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Dec 31, 2021

Nelnet Q4 2021 Earnings Report

Nelnet's financial performance for Q4 2021 was reported, with GAAP net income at $132.7 million and revenue from loan servicing and systems reaching $150.4 million.

Key Takeaways

Nelnet reported a GAAP net income of $132.7 million, or $3.46 per share, for the fourth quarter of 2021. The company's Loan Servicing and Systems segment saw revenue increase to $150.4 million, driven by additional work on U.S. Department of Education contracts and servicing the former Wells Fargo loan portfolio. The Asset Generation and Management segment reported net interest income of $70.1 million.

Nelnet reported GAAP net income of $132.7 million, or $3.46 per share, for Q4 2021.

Loan Servicing and Systems revenue increased to $150.4 million due to additional contracts and servicing the former Wells Fargo loan portfolio.

The AGM segment reported net interest income of $70.1 million.

As of December 31, 2021, the company was servicing $529.0 billion in loans for 16.4 million borrowers.

Total Revenue
$394M
Previous year: $530M
-25.5%
EPS
$2.5
Previous year: $6.1
-59.0%
Total Loans Serviced
$529B
Previous year: $490B
+7.9%
Gross Profit
$324M
Previous year: $237M
+36.5%
Cash and Equivalents
$1.71B
Previous year: $1.11B
+53.9%
Free Cash Flow
$139M
Previous year: $7.17M
+1837.1%
Total Assets
$21.7B
Previous year: $22.6B
-4.3%

Nelnet

Nelnet

Nelnet Revenue by Segment

Forward Guidance

Nelnet anticipates choppy earnings over the quarters as its investment portfolio grows.

Revenue & Expenses

Visualization of income flow from segment revenue to net income