{"schema_version":"secwatch.filing_event.v1","accession":"0001258602-25-000013","form_type":"8-K","ticker":"NNI","cik":"0001258602","company_name":"NELNET INC","filed_at":"2025-02-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.148554+00:00","generated_at":"2026-05-26T01:06:55.222774+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Nelnet reports Q4 GAAP net income $63.2M ($1.73/sh) vs loss of $7.9M; full-year doubles","bullets":["GAAP net income Q4 $63.2M ($1.73/sh) vs net loss $7.9M ($0.21) YoY; adjusted net income $52.7M ($1.44).","Full-year 2024 GAAP net income $184.0M ($5.02) vs $89.8M ($2.40); adjusted $176.4M ($4.81).","AGM loan portfolio averaged $9.4B (down from $12.5B) but net interest income rose to $48.3M from $35.6M; provision $13.5M on consumer loans.","Loan Servicing revenue $138.0M (+7%) with $10.9M non-recurring USDS revenue and $4.0M conversion from Discover portfolio; 15.8M borrowers.","Solar construction loss $17.0M ($13.0M after-tax) as legacy projects wind down; operating cash flow $663M in 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001258602-25-000013","json":"https://secwatch.observer/filing/0001258602-25-000013.json","markdown":"https://secwatch.observer/filing/0001258602-25-000013.md","text":"https://secwatch.observer/filing/0001258602-25-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1258602/000125860225000013/0001258602-25-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1258602/000125860225000013/nni-20250227.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T01:06:55.222774+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}