| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 359,659 | 258,983 |
| Depreciation and amortization, including debt discountsand loan premiums and deferred origination costs | 68,261 | 52,406 |
| Loan discount and deferred lender fees accretion | -58,107 | -42,502 |
| Provision for loan losses | 29,704 | 33,267 |
| Derivative market value adjustments | -10,978 | -10,190 |
| Payments to clearinghouse - initial and variation margin, net | -5,015 | -4,030 |
| Gain on partial redemption of allo investment | 175,044 | 175,044 |
| Loss on sale of loans, net | -1,562 | 909 |
| (gain) loss on investments, net | 47,076 | 19,650 |
| Loss from repurchases of debt, net | -7,865 | - |
| Deferred income tax benefit | -82,465 | -88,924 |
| Non-cash compensation expense | 10,064 | 6,513 |
| Impairment expense and provision for beneficial interests | 21,024 | 11,879 |
| Decrease in loan and investment accrued interest receivable | -14,894 | -15,218 |
| Decrease in accounts receivable | -12,219 | -32,523 |
| Decrease in other assets | -43,488 | -23,510 |
| Decrease in the carrying amount of rou asset | -2,865 | -1,958 |
| Decrease in accrued interest payable | -6,329 | -6,072 |
| Increase (decrease) in other liabilities | 79,713 | 65,986 |
| Decrease in the carrying amount of lease liability | -4,365 | -3,384 |
| Other | -1,475 | -1,011 |
| Total adjustments | -74,289 | -86,054 |
| Net cash provided by operating activities | 285,370 | 172,929 |
| Purchases of loans-Nonrelated Party | 1,984,778 | 368,499 |
| Purchases of loans-Related Party | 206,668 | 136,667 |
| Net proceeds from loan repayments, claims, and capitalized interest | 2,081,162 | 881,096 |
| Proceeds from sale of loans-Nonrelated Party | 240,398 | 72,626 |
| Proceeds from sale of loans-Related Party | 290,164 | 60,181 |
| Purchases of available-for-sale securities | 416,084 | 240,476 |
| Proceeds from sales of available-for-sale securities | 205,954 | 109,609 |
| Proceeds from beneficial interest in loan securitizations | 55,865 | 38,235 |
| Purchases of other investments and issuance of notes receivable | 249,990 | 161,828 |
| Proceeds from other investments and repayments of notes receivable | 511,219 | 454,829 |
| Redemption of held-to-maturity debt securities | 10,549 | 7,796 |
| Purchases of property and equipment | 18,744 | 7,074 |
| Net cash provided by investing activities | 519,047 | 709,828 |
| Payments on bonds and notes payable | 1,739,244 | 1,117,852 |
| Proceeds from issuance of bonds and notes payable | 557,371 | 25 |
| Payments of debt issuance costs | 4,803 | 3,999 |
| Increase in bank deposits, net | 290,634 | 195,911 |
| Decrease in due to customers | -35,862 | -49,489 |
| Dividends paid | 31,157 | 20,322 |
| Repurchases of common stock | 53,091 | 25,818 |
| Proceeds from issuance of common stock | 1,392 | 920 |
| Acquisition of noncontrolling interest | 3,944 | 3,944 |
| Issuance of noncontrolling interests | 54,984 | 15,580 |
| Distribution to noncontrolling interests | 5,211 | 3,351 |
| Net cash used in financing activities | -968,931 | -1,012,339 |
| Effect of exchange rate changes on cash and restricted cash | 290 | 338 |
| Net decrease in cash, cash equivalents, and restricted cash | -164,224 | -129,244 |
| Cash and cash equivalents at beginning of period | 931,020 | - |
| Cash and cash equivalents at end of period | 766,796 | - |
NELNET INC (NNI)
NELNET INC (NNI)