NNI NELNET INC
FY2025 10-K
NELNET INC (NNI) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: education-focused consumer lending and loan servicing with technology-enabled services and payments
- • New emphasis: expansion of private education and consumer loan portfolios via Nelnet Bank launched in 2020
Management Discussion & Analysis
- • Revenue $1.43B ($509M Loan Servicing + $507M Education Tech), up ~3.4% YoY from $969M in 2024 fee-based segments
- • Net income $428.5M, up 133% YoY from $184.0M; operating margin ~30.3% ($428.5M/$1.414B total revenue) unchanged from 2024 (approx.)
Risk Factors
- • Regulatory risk from Payment Card Industry Data Security Standard (PCI DSS) compliance with ongoing external auditor assessments
- • Geopolitical risk exposure via third-party vendor attack surfaces continuously monitored for potential threats impacting operations
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