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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
$71,569K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from loan repayments, c...
Increase in bank deposits, net
Increase (decrease) in due to cu...
Others
Negative Cash Flow Breakdown
Purchases of loans-Nonrelated Pa...
Payments on bonds and notes paya...
Purchases of available-for-sale ...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
45,471
55,600
38,687
100,676
Depreciation and amortization, including debt discountsand loan premiums and deferred origination costs
21,770
21,163
22,361
15,855
Loan discount and deferred lender fees accretion
-42,133
-44,131
-49,172
-15,605
Provision for loan losses
41,077
53,244
38,147
-3,563
Provision for beneficial interests
2,441
4,130
11,311
-
Derivative market value adjustments
3,686
1,587
1,880
-788
Proceeds from termination of derivative instruments
-
-
0
-
(payments to) proceeds from clearinghouse - initial and variation margin, net
-
-
-895
-985
Gain on partial redemption of allo investment
0
-
0
0
Loss (gain) on sale of loans, net
-27
-105
-158
-2,471
Loss (gain) on investments, net
-10,111
-14,949
-22,518
27,426
Loss from repurchases of debt, net
-
-
-
-7,865
Deferred income tax benefit
-1,297
-10,895
78,158
6,459
Non-cash compensation expense
5,240
3,628
3,210
3,551
Impairment expense
0
-
8,588
9,145
Other
268
1,424
-6,522
-464
(increase) decrease in loan and investment accrued interest receivable
9,501
13,967
-25,780
324
Decrease in accounts receivable
-26,231
-15,334
45,590
20,304
(increase) decrease in other assets
-2,173
52,299
-14,215
-19,978
Decrease in the carrying amount of rou asset
-1,147
-1,005
-882
-907
Decrease in accrued interest payable
-651
-3,510
1,387
-257
Increase in other liabilities
-18,988
32,939
-27,907
13,727
Decrease in the carrying amount of lease liability
-1,270
-1,169
-1,000
-981
Total adjustments
32,423
17,515
98,928
11,765
Net cash provided by operating activities
77,894
73,115
137,615
112,441
Purchases of loans-Nonrelated Party
3,070,203
3,070,037
3,350,438
1,616,279
Purchases of loans-Related Party
115,659
299,380
479,377
70,001
Proceeds from loan repayments, claims, and capitalized interest, net
3,342,776
3,253,780
3,367,093
1,200,066
Proceeds from sale of loans-Nonrelated Party
49
213
127
167,772
Proceeds from sale of loans-Related Party
49,892
107,969
658,929
229,983
Purchases of available-for-sale securities
265,297
143,321
136,777
175,608
Proceeds from sales of available-for-sale securities
100,488
47,533
83,047
96,345
Proceeds from beneficial interest in loan securitizations
27,478
14,715
21,685
17,630
Purchases of other investments and issuance of notes receivable
172,132
99,521
341,845
88,162
Proceeds from other investments and repayments of notes receivable
51,203
32,273
21,819
56,390
Purchases of held-to-maturity debt securities
2,279
-
295
-
Redemption of held-to-maturity debt securities
1,784
1,406
883
2,753
Purchases of property and equipment
6,325
11,550
7,494
11,670
Business acquisitions, net of cash and restricted cash acquired
7,721
-197,007
-
-
Net cash (used in) provided by investing activities
-65,946
31,087
-162,643
-190,781
Payments on bonds and notes payable
642,143
353,098
876,674
621,392
Proceeds from issuance of bonds and notes payable
-15,599
270,658
835,829
557,346
Payments of debt issuance costs
125
2,056
3,018
804
Increase in bank deposits, net
474,722
75,354
192,408
94,723
Increase (decrease) in due to customers
306,576
-212,085
15,176
13,627
Dividends paid
11,821
11,834
11,836
10,835
Repurchases of common stock
24,353
16,280
16,255
27,273
Proceeds from issuance of common stock
573
379
490
472
Redemption of noncontrolling interest
0
1,500
0
0
Issuance of noncontrolling interests
48,591
7,658
98,041
39,404
Distribution to noncontrolling interests
1,905
1,371
2,368
1,860
Net cash used in financing activities
134,516
-244,175
231,793
43,408
Effect of exchange rate changes on cash and restricted cash
-10,675
-3,048
-15
-48
Net decrease in cash, cash equivalents, and restricted cash
135,789
-143,021
206,750
-34,980
Cash, cash equivalents, and restricted cash, beginning of period
830,525
973,546
766,796
931,020
Cash, cash equivalents, and restricted cash, end of period
966,314
-
-
-
Cash disbursements made for interest
215,947
-
-
-
Cash disbursements made for income taxes, net of refunds and credits received
3,900
-
-
-
Cash disbursements made for operating leases
2,901
-
-
-
Rou assets obtained in exchange for lease obligations
5,525
-
-
-
Student loans and other assets acquired
0
-
-
-
Borrowings and other liabilities assumed in acquisition of student loans
0
-
-
-
Distribution to noncontrolling interests
10,907
-
-
-
Issuance of noncontrolling interests
31,854
-
-
-
Federal and state tax credit utilized
33,100
-
-
-
Total cash and cash equivalents
172,430
-
-
-
Restricted cash
285,845
-
-
-
Restricted cash - due to customers
508,039
-
-
-
Cash, cash equivalents, and restricted cash
966,314
830,525
973,546
766,796
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Provision for loan losses
$41,077K
(23.48%↑ Y/Y)
Decrease in accounts
receivable
-$26,231K
(19.35%↑ Y/Y)
Depreciation and
amortization, including debt...
$21,770K
(-58.46%↓ Y/Y)
Loss (gain) on
investments, net
-$10,111K
(-151.46%↓ Y/Y)
Non-cash compensation
expense
$5,240K
(-19.55%↓ Y/Y)
Provision for beneficial
interests
$2,441K
(increase) decrease in
other assets
-$2,173K
(90.76%↑ Y/Y)
Decrease in the carrying
amount of rou asset
-$1,147K
(41.42%↑ Y/Y)
Loss (gain) on sale of
loans, net
-$27K
(-102.97%↓ Y/Y)
Increase in bank
deposits, net
$474,722K
(142.32%↑ Y/Y)
Net income
$45,471K
(-82.44%↓ Y/Y)
Total adjustments
$32,423K
(137.68%↑ Y/Y)
Increase (decrease) in
due to customers
$306,576K
(719.48%↑ Y/Y)
Issuance of
noncontrolling interests
$48,591K
(211.88%↑ Y/Y)
Proceeds from issuance of
common stock
$573K
(-37.72%↓ Y/Y)
Canceled cashflow
$77,794K
Net cash used in
financing activities
$134,516K
(113.29%↑ Y/Y)
Net cash provided by
operating activities
$77,894K
(-54.96%↓ Y/Y)
Canceled cashflow
$695,946K
Loan discount and
deferred lender fees...
-$42,133K
(0.87%↑ Y/Y)
Increase in other
liabilities
-$18,988K
(-128.78%↓ Y/Y)
(increase) decrease in loan
and investment...
$9,501K
(162.43%↑ Y/Y)
Derivative market value
adjustments
$3,686K
(136.17%↑ Y/Y)
Deferred income tax
benefit
-$1,297K
(98.54%↑ Y/Y)
Decrease in the carrying
amount of lease...
-$1,270K
(62.47%↑ Y/Y)
Decrease in accrued
interest payable
-$651K
(89.28%↑ Y/Y)
Other
$268K
(126.51%↑ Y/Y)
Net decrease in
cash, cash...
$135,789K
(205.06%↑ Y/Y)
Canceled cashflow
$76,621K
Payments on bonds and
notes payable
$642,143K
(-42.56%↓ Y/Y)
Repurchases of common stock
$24,353K
(-5.67%↓ Y/Y)
Proceeds from issuance of
bonds and notes...
-$15,599K
(-62496.00%↓ Y/Y)
Dividends paid
$11,821K
(-41.83%↓ Y/Y)
Distribution to
noncontrolling interests
$1,905K
(-43.15%↓ Y/Y)
Payments of debt issuance
costs
$125K
(-96.87%↓ Y/Y)
Proceeds from loan
repayments, claims, and...
$3,342,776K
(279.39%↑ Y/Y)
Proceeds from sales of
available-for-sale securities
$100,488K
(-8.32%↓ Y/Y)
Proceeds from other
investments and repayments...
$51,203K
(-88.74%↓ Y/Y)
Proceeds from sale of
loans-Related Party
$49,892K
(-17.10%↓ Y/Y)
Proceeds from beneficial
interest in loan...
$27,478K
(-28.13%↓ Y/Y)
Redemption of
held-to-maturity debt securities
$1,784K
(-77.12%↓ Y/Y)
Proceeds from sale of
loans-Nonrelated Party
$49K
(-99.93%↓ Y/Y)
Net cash (used in)
provided by investing...
-$65,946K
(-109.29%↓ Y/Y)
Effect of exchange rate
changes on cash and...
-$10,675K
(-3258.28%↓ Y/Y)
Canceled cashflow
$3,573,670K
Purchases of
loans-Nonrelated Party
$3,070,203K
(733.16%↑ Y/Y)
Purchases of
available-for-sale securities
$265,297K
(10.32%↑ Y/Y)
Purchases of other
investments and issuance of...
$172,132K
(6.37%↑ Y/Y)
Purchases of
loans-Related Party
$115,659K
(-15.37%↓ Y/Y)
Business acquisitions,
net of cash and...
$7,721K
Purchases of property and
equipment
$6,325K
(-10.59%↓ Y/Y)
Purchases of
held-to-maturity debt securities
$2,279K
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NELNET INC (NNI)
NELNET INC (NNI)