Nelnet Inc (NNI) FinancialsNNINelnet Inc

Nelnet, Inc. (NNI) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Government loan servicing, accounting for 29.7% of total sales, equivalent to $74.64M. Other significant revenue streams include Education Technology And Services and Payment Processing. Understanding this composition is critical for investors evaluating how NNI navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Nelnet, Inc. maintains a gross margin of 68.15%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 12.99%, while the net margin is 9.03%. These profitability ratios, combined with a Return on Equity (ROE) of 8.08%, provide a clear picture of how effectively NNI converts its operational activities into shareholder value.

In the context of the broader market, NNI competes directly with industry leaders such as HRI and OTF. With a market capitalization of $4.56B, it holds a significant position in the sector. When comparing efficiency, NNI's gross margin of 68.15% stands against HRI's 18.11% and OTF's N/A. Such benchmarking helps identify whether Nelnet, Inc. is trading at a premium or discount relative to its financial performance.

Nelnet's total revenue for Q2 2026 was $503.37 million, with a net income of $65.43 million, reflecting a gross margin of 68.15%. However, the company reported a decline in net income compared to previous quarters, which raises concerns about its profitability moving forward.