{"schema_version":"secwatch.filing_event.v1","accession":"0001258602-26-000013","form_type":"8-K","ticker":"NNI","cik":"0001258602","company_name":"NELNET INC","filed_at":"2026-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.676111+00:00","generated_at":"2026-05-15T23:25:42.969551+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Nelnet Q4 GAAP EPS $1.60 vs $1.73 YoY; record annual net income of $428.5M","bullets":["Q4 GAAP net income $57.8M ($1.60/diluted share) vs $63.2M ($1.73); adjusted EPS $1.56.","Full-year 2025 GAAP net income $428.5M ($11.79/share), up from $184.0M ($5.02) in 2024.","AGM net interest income rose to $63.5M, aided by $744.2M in Klarna Pay Later receivables.","Loan Servicing and Systems revenue fell to $116.6M; segment net income dropped to $8.9M.","Solar construction business sold in Nov 2025; Q4 loss of $27.3M ($20.7M after tax)."],"urls":{"canonical":"https://secwatch.observer/filing/0001258602-26-000013","json":"https://secwatch.observer/filing/0001258602-26-000013.json","markdown":"https://secwatch.observer/filing/0001258602-26-000013.md","text":"https://secwatch.observer/filing/0001258602-26-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1258602/000125860226000013/0001258602-26-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1258602/000125860226000013/nni-20260226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T23:25:42.969551+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"}