For the quarter ending 2025-09-30, NNI had -$34,980K decrease in cash & cash equivalents over the period. $100,771K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 100,676 | 258,983 |
| Depreciation and amortization, including debt discountsand loan premiums and deferred origination costs | 15,855 | 52,406 |
| Loan discount and deferred lender fees accretion | -15,605 | -42,502 |
| Provision for loan losses | -3,563 | 33,267 |
| Derivative market value adjustments | -788 | -10,190 |
| Payments to clearinghouse - initial and variation margin, net | -985 | -4,030 |
| Gain on partial redemption of allo investment | 0 | 175,044 |
| Loss on sale of loans, net | -2,471 | 909 |
| (gain) loss on investments, net | 27,426 | 19,650 |
| Loss from repurchases of debt, net | -7,865 | - |
| Deferred income tax benefit | 6,459 | -88,924 |
| Non-cash compensation expense | 3,551 | 6,513 |
| Impairment expense and provision for beneficial interests | 9,145 | 11,879 |
| Decrease in loan and investment accrued interest receivable | 324 | -15,218 |
| Decrease in accounts receivable | 20,304 | -32,523 |
| Decrease in other assets | -19,978 | -23,510 |
| Decrease in the carrying amount of rou asset | -907 | -1,958 |
| Decrease in accrued interest payable | -257 | -6,072 |
| Increase (decrease) in other liabilities | 13,727 | 65,986 |
| Decrease in the carrying amount of lease liability | -981 | -3,384 |
| Other | -464 | -1,011 |
| Total adjustments | 11,765 | -86,054 |
| Net cash provided by operating activities | 112,441 | 172,929 |
| Purchases of loans-Nonrelated Party | 1,616,279 | 368,499 |
| Purchases of loans-Related Party | 70,001 | 136,667 |
| Net proceeds from loan repayments, claims, and capitalized interest | 1,200,066 | 881,096 |
| Proceeds from sale of loans-Nonrelated Party | 167,772 | 72,626 |
| Proceeds from sale of loans-Related Party | 229,983 | 60,181 |
| Purchases of available-for-sale securities | 175,608 | 240,476 |
| Proceeds from sales of available-for-sale securities | 96,345 | 109,609 |
| Proceeds from beneficial interest in loan securitizations | 17,630 | 38,235 |
| Purchases of other investments and issuance of notes receivable | 88,162 | 161,828 |
| Proceeds from other investments and repayments of notes receivable | 56,390 | 454,829 |
| Redemption of held-to-maturity debt securities | 2,753 | 7,796 |
| Purchases of property and equipment | 11,670 | 7,074 |
| Net cash provided by investing activities | -190,781 | 709,828 |
| Payments on bonds and notes payable | 621,392 | 1,117,852 |
| Proceeds from issuance of bonds and notes payable | 557,346 | 25 |
| Payments of debt issuance costs | 804 | 3,999 |
| Increase in bank deposits, net | 94,723 | 195,911 |
| Decrease in due to customers | 13,627 | -49,489 |
| Dividends paid | 10,835 | 20,322 |
| Repurchases of common stock | 27,273 | 25,818 |
| Proceeds from issuance of common stock | 472 | 920 |
| Acquisition of noncontrolling interest | 0 | 3,944 |
| Issuance of noncontrolling interests | 39,404 | 15,580 |
| Distribution to noncontrolling interests | 1,860 | 3,351 |
| Net cash used in financing activities | 43,408 | -1,012,339 |
| Effect of exchange rate changes on cash and restricted cash | -48 | 338 |
| Net decrease in cash, cash equivalents, and restricted cash | -34,980 | -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)