0001258602-18-000020.txt : 20180227 0001258602-18-000020.hdr.sgml : 20180227 20180227161719 ACCESSION NUMBER: 0001258602-18-000020 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20180227 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20180227 DATE AS OF CHANGE: 20180227 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NELNET INC CENTRAL INDEX KEY: 0001258602 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 840748903 STATE OF INCORPORATION: NE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-31924 FILM NUMBER: 18645312 BUSINESS ADDRESS: STREET 1: 121 SOUTH 13TH ST STREET 2: STE 201 CITY: LINCOLN STATE: NE ZIP: 68508 BUSINESS PHONE: 402-458-2370 MAIL ADDRESS: STREET 1: 121 SOUTH 13TH ST STREET 2: STE 201 CITY: LINCOLN STATE: NE ZIP: 68508 8-K 1 a22718form8-k.htm 8-K Document


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
February 27, 2018

NELNET, INC.
(Exact name of registrant as specified in its charter)
Nebraska
 
001-31924
 
84-0748903
(State or other jurisdiction of incorporation)
 
(Commission File Number)
 
(I.R.S. Employer Identification No.)

121 South 13th Street, Suite 100
Lincoln, Nebraska
 
68508
(Address of principal executive offices)
 
(Zip Code)

Registrant's telephone number, including area code (402) 458-2370
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act
(17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company    [ ]

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.                        [ ]




Item 2.02 Results of Operations and Financial Condition.
On February 27, 2018, Nelnet, Inc. (the “Company”) issued a press release with respect to its financial results for the quarter ended December 31, 2017. A copy of the press release is furnished as Exhibit 99.1 to this report. In addition, a copy of the supplemental financial information for the quarter ended December 31, 2017, which was made available on the Company's website at www.nelnetinvestors.com on February 27, 2018 in connection with the press release, is furnished as Exhibit 99.2 to this report. A copy of the 2017 letter to the Company's shareholders from the Chief Executive Officer of the Company is also furnished as Exhibit 99.3 to this report.

The above information and Exhibits 99.1, 99.2, and 99.3 shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), nor shall such information and Exhibits be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing. In addition, information on the Company's website is not incorporated by reference into this report and should not be considered part of this report.

Certain statements contained in the exhibits furnished with this report may be considered forward looking in nature and are subject to various risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, the Company's actual results may vary materially from those anticipated, estimated, or expected. Among the key risks and uncertainties that may have a direct bearing on the Company's future operating results, performance, or financial condition expressed or implied by the forward-looking statements are the matters discussed in the Risk Factors section of the Company's Annual Report on Form 10-K for the year ended December 31, 2017 filed with the SEC on February 27, 2018. Although the Company may from time to time voluntarily update its prior forward-looking statements, it disclaims any commitment to do so except as required by securities laws.

Item 9.01 Financial Statements and Exhibits.

(d)    Exhibits. The following exhibits are furnished as part of this report:







SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: February 27, 2018
NELNET, INC.
By:    /s/ JAMES D. KRUGER     
Name:
James D. Kruger
Title:
Chief Financial Officer




 EX-99.1 2 exhibit99122718earningsrel.htm EXHIBIT 99.1 Exhibit


Nelnet Reports Fourth Quarter 2017 Results
•
GAAP net income $1.17 per share, $1.11 per share excluding adjustments
•
Acquired Great Lakes for $150 million on February 7

LINCOLN, Neb., February 27, 2018-Nelnet - (NYSE: NNI) today reported GAAP net income of $48.1 million, or $1.17 per share, for the fourth quarter of 2017, compared with GAAP net income of $98.3 million, or $2.32 per share, for the same period a year ago.

Net income, excluding derivative market value and foreign currency transaction adjustments, was $45.6 million, or $1.11 per share, for the fourth quarter of 2017, compared with $44.5 million, or $1.05 per share, for the same period in 2016. For additional information on these non-GAAP metrics, including reconciliations to GAAP net income, see "Non-GAAP Performance Measures" below.

The decrease in GAAP net income for the three months ended December 31, 2017, compared with the same period in 2016, was due to a reduction in net gains from changes in the fair values of derivative instruments and the foreign currency transaction adjustments caused by the re-measurement of the company's Euro-denominated bonds to U.S. dollars. The company also reported a decrease in net interest income earned on its loan portfolio due to the expected runoff of the portfolio. In addition, ALLO's dilutive impact to Nelnet's consolidated earnings has increased as it continues to build its network in Lincoln, Nebraska.
  
Several other items impacted the company's fourth quarter 2017 earnings, including:

•
Costs incurred of $7.9 million (pre-tax) after the Tax Cuts and Jobs Act (tax reform) was signed into law on December 22, 2017, including $4.1 million (pre-tax) for paying associate bonuses

•
Losses recognized related to the sale and impairment of certain assets of $6.4 million (pre-tax), including $3.6 million (pre-tax) for the sale of Peterson's, the company's test prep and publishing subsidiary

•
Loss from repurchasing the company's own asset-backed debt securities that had above market interest rates of $2.7 million (pre-tax)

In total, these items increased expenses by $17.0 million (pre-tax), or $10.5 million after tax ($0.26 per share), during the fourth quarter of 2017.

Due to tax reform, the company re-measured its net deferred tax liabilities to reflect the reduction in the corporate federal statutory tax rate, resulting in a decrease to income tax expense of $19.3 million, or $0.47 per share. Beginning in 2018, Nelnet expects its future effective tax rate will range between 23 to 24 percent versus its historical rate that ranged between 35 to 38 percent.

"The tax law changes at the end of 2017 resulted in a mixed earnings performance for the fourth quarter," said Jeff Noordhoek, chief executive officer of Nelnet. "The company capitalized on certain opportunities to deduct expenses at a higher tax rate in 2017. Although some of these transactions negatively affected our operating results in the quarter, we created long-term real cash value by lowering the company’s overall tax liability. Nelnet will use the additional earnings from the lower tax rate to invest in current and future business opportunities. These investments will provide on-going opportunities for existing and new associates at Nelnet."

Nelnet operates four primary business segments, earning interest income on student loans in its Asset Generation and Management segment, and fee-based revenue in its Loan Systems and Servicing, Tuition Payment Processing and Campus Commerce, and Communications segments.

Asset Generation and Management

For the fourth quarter of 2017, Nelnet reported net interest income of $73.2 million, compared with $79.0 million for the same period a year ago. The company's average balance of student loans decreased to $22.4 billion for the fourth quarter of 2017, compared with $25.5 billion for the same period in 2016. Core student loan spread increased to 1.26 percent for the quarter ended December 31, 2017, compared with 1.24 percent for the same period in 2016, as a result of an increase in variable loan spread due to a tightening in the basis between the asset and debt indices in which the company earns interest on its loans and funds such loans. The increase in core student loan spread was partially offset by a decrease in fixed-rate floor income. Net interest income included $22.1 million and $38.3 million of fixed-rate floor income in the fourth quarter of 2017 and 2016, respectively.





During 2017, the company began to purchase consumer loans. As the company's federally insured student loan portfolio continues to amortize, the company is actively expanding its private education and consumer loan portfolios.

Loan Systems and Servicing

Revenue from the Loan Systems and Servicing segment was $55.9 million for the fourth quarter of 2017, compared with $53.8 million for the same period in 2016. As of December 31, 2017, the company was servicing $211.4 billion in government-owned, Federal Family Education Loan (FFEL) Program, private education, and consumer loans.

Revenue increased in the fourth quarter of 2017, compared with the same period in 2016, due to growth in private education and consumer loan servicing volume from existing and new clients. As of December 31, 2017, this portfolio was $11.5 billion, up from $7.9 billion as of December 31, 2016. Revenue from this portfolio increased $2.6 million from the fourth quarter of 2016, or 54 percent, to $7.5 million for the three months ended December 31, 2017.

As of December 31, 2017, the company was servicing $172.7 billion of government-owned loans for the Department of Education (Department), compared with $162.5 billion of loans as of December 31, 2016. Revenue from this contract decreased to $38.4 million for the fourth quarter of 2017, compared with $39.3 million for the same period a year ago.

On February 7, 2018, the company completed the acquisition of Great Lakes Educational Loan Services, Inc. (Great Lakes). Nelnet paid $150.0 million in cash for 100 percent of the stock of Great Lakes. Headquartered in Madison, Wisconsin, Great Lakes has approximately 1,800 employees and, like Nelnet, was awarded a contract to service government-owned student loans on behalf of the Department. These contracts are scheduled to expire in June 2019.

Beginning February 7, 2018, the operating results of Great Lakes will be included in the company's Loan Systems and Servicing operating segment. As of December 31, 2017, Great Lakes was servicing $224.4 billion in government-owned student loans for 7.5 million borrowers, $10.7 billion in FFEL Program loans for almost 479,000 borrowers, and $8.5 billion in private or consumer loans for over 415,000 borrowers. During 2017, Great Lakes recognized approximately $230 million in servicing revenue.

On February 20, 2018, the Department’s Office of Federal Student Aid released information regarding the new federal student loan servicing procurement process. The contract solicitation process is divided into two phases. Responses for Phase One are due on April 6, 2018. The company intends to respond to Phase One of the solicitation.

Tuition Payment Processing and Campus Commerce

For the fourth quarter of 2017, revenue from the Tuition Payment Processing and Campus Commerce segment was $32.5 million, an increase of $1.9 million, or 6 percent, from the same period in 2016. The increase in revenue was primarily driven by growth in managed tuition payment plans, campus commerce customer transactions and payments volume, and new school customers. This operating segment serves over 10 million students and families at nearly 11,500 K-12 schools and 970 colleges and universities.

Communications

Revenue from ALLO was $8.1 million for the fourth quarter of 2017, compared with $4.5 million for the same period in 2016. The number of households served as of December 31, 2017, was 20,428, an increase of 10,614, or more than 100 percent, from the number of households served as of December 31, 2016.

For the fourth quarter of 2017, ALLO recognized a net loss of $5.5 million, compared with a net loss of $2.6 million for the same period in 2016. The company anticipates this operating segment will be dilutive to consolidated earnings as it continues to build its network in Lincoln, Nebraska and other communities, due to large upfront capital expenditures and associated depreciation and upfront customer acquisition costs. ALLO's management uses earnings (loss) before interest, income taxes, depreciation, and amortization (EBITDA) to eliminate certain non-cash and non-operating items in order to consistently measure performance from period to period. For the fourth quarter of 2017, ALLO had negative EBITDA of $2.8 million, compared with negative EBITDA of $1.7 million for the same period in 2016. For additional information on this non-GAAP metric, including a reconciliation to ALLO's GAAP net loss, see "Non-GAAP Performance Measures" below.

ALLO incurred capital expenditures of $115.1 million in 2017, including $36.7 million in the fourth quarter of 2017. The company currently anticipates total network expenditures of approximately $75.0 million in 2018; however, the amount of capital expenditures could change based on customer demand for ALLO's services. The number of residential households passed, which represents the estimated number of single residence homes, apartments, and condominiums that ALLO already serves, and those




in which ALLO has the capacity to connect to its network distribution system without further material extensions to the transmission lines (but have not been connected), increased to 71,426 as of December 31, 2017, compared with 30,962 as of December 31, 2016.

In the fourth quarter of 2017, ALLO announced plans to expand its network to make services available in Hastings, Nebraska and Fort Morgan, Colorado.  This will expand total households in ALLO’s current markets from 137,500 to over 152,000. ALLO plans to continue expansion to additional communities in Nebraska and Colorado over the next several years.

Liquidity and Capital Activities

For the year ended December 31, 2017, the company generated $227.5 million in net cash from operating activities. In addition, as of December 31, 2017, the company had a total of $147.7 million in cash and cash equivalents and available-for-sale investments, consisting primarily of student loan asset-backed securities. The company also has a $350.0 million unsecured line of credit that has a maturity date of December 12, 2021. As of December 31, 2017, $10.0 million was outstanding on the line of credit and $340.0 million was available for future use.

The company paid cash dividends of $6.5 million, or $0.16 per share, during the fourth quarter of 2017.

The company intends to use its liquidity position to capitalize on market opportunities, including: FFEL Program, private education, and consumer loan acquisitions; strategic acquisitions and investments; expansion of ALLO's communications network; and capital management initiatives, including stock repurchases, debt repurchases, and dividend distributions. The timing and size of these opportunities will vary and will have a direct impact on the company's cash and investment balances.

Year-End Results

GAAP net income for the year ended December 31, 2017 was $173.2 million, or $4.14 per share, compared with GAAP net income of $256.8 million, or $6.02 per share, for 2016. Net income, excluding derivative market value and foreign currency adjustments, in 2017 was $185.1 million, or $4.43 per share, compared with $212.3 million, or $4.97 per share, for 2016. For additional information on these non-GAAP metrics, including reconciliations to GAAP net income, see "Non-GAAP Performance Measures" below.





Non-GAAP Performance Measures

The company prepares its financial statements and presents its financial results in accordance with GAAP. However, it also provides additional non-GAAP financial information related to specific items management believes to be important in the evaluation of its operating results and performance. A reconciliation of the company's GAAP net income to net income, excluding derivative market value and foreign currency transaction adjustments, and a discussion of why the company believes providing this additional information is useful to investors, is provided below.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
 
(dollars in thousands, except share data)
GAAP net income attributable to Nelnet, Inc.
$
48,100

 
98,346

 
173,166

 
256,751

Realized and unrealized derivative market value adjustments
(3,997
)
 
(61,452
)
 
(26,379
)
 
(59,895
)
Unrealized foreign currency transaction adjustments
(35
)
 
(25,392
)
 
45,600

 
(11,849
)
Net tax effect
1,532

 
33,001

 
(7,304
)
 
27,263

Net income, excluding derivative market value and foreign currency transaction adjustments
$
45,600

 
44,503

 
185,083

 
212,270

 
 
 
 
 
 
 
 
Earnings per share:
 
 
 
 
 
 
 
GAAP net income attributable to Nelnet, Inc.
$
1.17

 
2.32

 
4.14

 
6.02

Realized and unrealized derivative market value adjustments
(0.10
)
 
(1.45
)
 
(0.63
)
 
(1.40
)
Unrealized foreign currency transaction adjustments
—

 
(0.60
)
 
1.09

 
(0.28
)
Net tax effect
0.04

 
0.78

 
(0.17
)
 
0.63

Net income, excluding derivative market value and foreign currency transaction adjustments
$
1.11

 
1.05

 
4.43

 
4.97


"Derivative market value and foreign currency transaction adjustments" include (i) both the realized portion of gains and losses (corresponding to variation margin received or paid on derivative instruments that are settled daily at a central clearinghouse under new rules effective January 3, 2017) and the unrealized portion of gains and losses that are caused by changes in fair values of derivatives that do not qualify for "hedge treatment" under GAAP; and (ii) the unrealized foreign currency transaction gains or losses caused by the re-measurement of the company's Euro-denominated bonds to U.S. dollars. In October 2017, the company remarketed its Euro-denominated bonds to denominate those bonds in U.S. dollars. "Derivative market value and foreign currency transaction adjustments" does not include "derivative settlements" that represent the cash paid or received during the current period to settle with derivative instrument counterparties the economic effect of the company's derivative instruments based on their contractual terms. The tax effects in the preceding table are calculated by multiplying the realized and unrealized derivative market value adjustments and unrealized foreign currency transaction adjustments by the applicable statutory income tax rate.

The company believes these point-in-time estimates of asset and liability values related to its derivative instruments and Euro-denominated bonds that are or were subject to interest and currency rate fluctuations are or were subject to volatility, primarily due to timing and market factors beyond the control of management, and affect the period-to-period comparability of the results of operations. Accordingly, the company’s management utilizes operating results excluding these items for comparability purposes when making decisions regarding the company’s performance and in presentations with credit rating agencies, lenders, and investors. Consequently, the company reports this non-GAAP information because the company believes that it provides additional information regarding operational and performance indicators that are closely assessed by management. There is no comprehensive, authoritative guidance for the presentation of such non-GAAP information, which is only meant to supplement GAAP results by providing additional information that management utilizes to assess performance.





A reconciliation of ALLO's GAAP net loss to earnings (loss) before net interest expense, income taxes, depreciation, and amortization (EBITDA), is provided below.
 
Three months ended December 31,
 
2017
 
2016
 
(dollars in thousands)
Net loss
$
(5,449
)
 
(2,599
)
Net interest expense
2,058

 
600

Income tax benefit
(3,341
)
 
(1,593
)
Depreciation and amortization
3,955

 
1,923

Earnings (loss) before interest, income taxes,
depreciation, and amortization (EBITDA)
$
(2,777
)
 
(1,669
)

EBITDA is a supplemental non-GAAP performance measure that is frequently used in capital-intensive industries such as telecommunications. ALLO's management uses EBITDA to compare ALLO's performance to that of its competitors and to eliminate certain non-cash and non-operating items in order to consistently measure performance from period to period. EBITDA excludes interest and income taxes because these items are associated with a company's particular capitalization and tax structures. EBITDA also excludes depreciation and amortization expense because these non-cash expenses primarily reflect the impact of historical capital investments, as opposed to the cash impacts of capital expenditures made in recent periods, which may be evaluated through cash flow measures. The company reports EBITDA for ALLO because the company believes that it provides useful additional information for investors regarding a key metric used by management to assess ALLO's performance. There are limitations to using EBITDA as a performance measure, including the difficulty associated with comparing companies that use similar performance measures whose calculations may differ from ALLO's calculations. In addition, EBITDA should not be considered a substitute for other measures of financial performance, such as net income or any other performance measures derived in accordance with GAAP.

Forward-Looking and Cautionary Statements

This press release contains forward-looking statements within the meaning of federal securities laws. The words "anticipate," "continue," "expect," "future," "intend," "scheduled," "will," and similar expressions, as well as statements in future tense, are intended to identify forward-looking statements. These statements are based on management's current expectations as of the date of this release and are subject to known and unknown risks and uncertainties that may cause actual results or performance to differ materially from those expressed or implied by the forward-looking statements. Such risks include, but are not limited to: risks related to the company's student loan portfolio, such as interest rate basis and repricing risk and changes in levels of student loan repayment or default rates; the use of derivatives to manage exposure to interest rate fluctuations; the uncertain nature of the expected benefits from the acquisition of Great Lakes and the ability to successfully integrate technology, shared services, and other activities and successfully maintain and increase allocated volumes of student loans serviced under existing and any future servicing contracts with the Department; risks to the company related to the Department's initiative to procure new contracts for federal student loan servicing, including the risk that the company on a post-Great Lakes acquisition basis may not be awarded a contract; risks related to the development by the company and Great Lakes of a new student loan servicing platform, including risks as to whether the expected benefits from the new platform will be realized; the uncertain nature of expected benefits from FFEL Program, private education, and consumer loan purchases and initiatives to purchase additional FFEL Program, private education, and consumer loans; financing and liquidity risks, including risks of changes in the securitization and other financing markets for student loans; risks and uncertainties from changes in the educational credit and services marketplace resulting from changes in applicable laws, regulations, and government programs and budgets, such as the expected decline over time in FFEL Program loan interest income and fee-based revenues due to the discontinuation of FFEL Program loan originations in 2010 and the resulting initiatives by the company to adjust to a post-FFEL Program environment; the uncertain nature of the expected benefits from the acquisition of ALLO on December 31, 2015, and the ability to successfully integrate its communications operations and successfully expand its fiber network in existing service areas and additional communities and manage related construction risks; risks and uncertainties related to initiatives to pursue additional strategic investments and acquisitions, including investments and acquisitions that are intended to diversify the company both within and outside of its historical core education-related businesses; and changes in general economic and credit market conditions.

For more information, see the "Risk Factors" sections and other cautionary discussions of risks and uncertainties included in documents filed or furnished by the company with the Securities and Exchange Commission, including the cautionary information about forward-looking statements contained in the company's supplemental financial information for the fourth quarter ended December 31, 2017. All forward-looking statements in this release are as of the date of this release. Although the company may voluntarily update or revise its forward-looking statements from time to time to reflect actual results or changes in the company's expectations, the company disclaims any commitment to do so except as required by securities laws.





Consolidated Statements of Income
(Dollars in thousands, except share data)
(unaudited)
 
Three months ended
 
Year ended
 
December 31,
2017
 
September 30,
2017
 
December 31,
2016
 
December 31, 2017
 
December 31,
2016
Interest income:
 
 
 
 
 
 
 
 
 
Loan interest
$
193,556

 
191,755

 
183,505

 
757,731

 
751,280

Investment interest
3,080

 
5,129

 
2,792

 
12,695

 
9,466

Total interest income
196,636

 
196,884

 
186,297

 
770,426

 
760,746

Interest expense:
 
 
 
 
 
 
 
 
 
Interest on bonds and notes payable
123,401

 
121,650

 
107,337

 
465,188

 
388,183

Net interest income
73,235

 
75,234

 
78,960

 
305,238

 
372,563

Less provision for loan losses
3,750

 
6,000

 
3,000

 
14,450

 
13,500

Net interest income after provision for loan losses
69,485

 
69,234

 
75,960

 
290,788

 
359,063

Other income:
 
 
 
 
 
 
 
 
 
Loan systems and servicing revenue
55,921

 
55,950

 
53,764

 
223,000

 
214,846

Tuition payment processing, school information, and campus commerce revenue
32,457

 
35,450

 
30,519

 
145,751

 
132,730

Communications revenue
8,122

 
6,751

 
4,492

 
25,700

 
17,659

Enrollment services revenue
—

 
—

 
—

 
—

 
4,326

Other income
7,952

 
19,756

 
15,218

 
52,826

 
53,929

Gain (loss) on sale of loans and debt repurchases, net
(2,635
)
 
116

 
5,720

 
2,902

 
7,981

Derivative market value and foreign currency transaction adjustments and derivative settlements, net
7,014

 
7,173

 
83,187

 
(18,554
)
 
49,795

Total other income
108,831

 
125,196

 
192,900

 
431,625

 
481,266

Operating expenses:
 
 
 
 
 
 
 
 
 
Salaries and benefits
81,201

 
74,193

 
68,017

 
301,885

 
255,924

Depreciation and amortization
11,854

 
10,051

 
9,116

 
39,541

 
33,933

Loan servicing fees
3,064

 
7,939

 
5,726

 
22,734

 
25,750

Cost to provide communications services
3,160

 
2,632

 
1,697

 
9,950

 
6,866

Cost to provide enrollment services
—

 
—

 
—

 
—

 
3,623

Other expenses
38,809

 
30,518

 
31,245

 
121,619

 
115,419

Total operating expenses
138,088

 
125,333

 
115,801

 
495,729

 
441,515

Income before income taxes
40,228

 
69,097

 
153,059

 
226,684

 
398,814

Income tax benefit (expense)
5,486

 
(25,562
)
 
(54,128
)
 
(64,863
)
 
(141,313
)
Net income
45,714

 
43,535

 
98,931

 
161,821

 
257,501

Net loss (income) attributable to noncontrolling interests
2,386

 
2,768

 
(585
)
 
11,345

 
(750
)
Net income attributable to Nelnet, Inc.
$
48,100

 
46,303

 
98,346

 
173,166

 
256,751

Earnings per common share:
 
 
 
 
 
 
 
 
 
Net income attributable to Nelnet, Inc. shareholders - basic and diluted
$
1.17

 
1.11

 
2.32

 
4.14

 
6.02

Weighted average common shares outstanding - basic and diluted
41,012,731

 
41,553,316

 
42,314,467

 
41,791,941

 
42,669,070






Condensed Consolidated Balance Sheets
(Dollars in thousands)
(unaudited)

 
As of
 
As of
 
As of
 
December 31, 2017
 
September 30, 2017
 
December 31, 2016
Assets:
 
 
 
 
 
Loans receivable, net
$
21,814,507

 
22,528,845

 
24,903,724

Cash, cash equivalents, investments, and other receivables
307,290

 
530,927

 
323,798

Restricted cash
875,314

 
830,762

 
1,100,663

Goodwill and intangible assets, net
177,186

 
188,054

 
195,125

Other assets
790,138

 
690,122

 
669,785

Total assets
$
23,964,435

 
24,768,710

 
27,193,095

Liabilities:
 
 
 
 
 
Bonds and notes payable
$
21,356,573

 
22,240,279

 
24,668,490

Other liabilities
442,475

 
397,991

 
453,680

Total liabilities
21,799,048

 
22,638,270

 
25,122,170

Equity:
 
 
 
 
 
Total Nelnet, Inc. shareholders' equity
2,149,529

 
2,111,851

 
2,061,655

Noncontrolling interests
15,858

 
18,589

 
9,270

Total equity
2,165,387

 
2,130,440

 
2,070,925

Total liabilities and equity
$
23,964,435

 
24,768,710

 
27,193,095

Contacts:
Media, Ben Kiser, 402.458.3024, or Investors, Phil Morgan, 402.458.3038, both of Nelnet, Inc.








 EX-99.2 3 exhibit992-nnix22718x10qxs.htm EXHIBIT 99.2 Exhibit


For Release: February 27, 2018
Investor Contact: Phil Morgan, 402.458.3038
Nelnet, Inc. supplemental financial information for the fourth quarter 2017
(All dollars are in thousands, except per share amounts, unless otherwise noted)
The following information should be read in connection with Nelnet, Inc.'s (the “Company's”) press release for fourth quarter 2017 earnings, dated February 27, 2018, and the Company's Annual Report on Form 10-K for the year ended December 31, 2017.
Forward-looking and cautionary statements
This supplemental financial information contains forward-looking statements and information that are based on management's current expectations as of the date of this document.  Statements that are not historical facts, including statements about the Company's plans and expectations for future financial condition, results of operations or economic performance, or that address management's plans and objectives for future operations, and statements that assume or are dependent upon future events, are forward-looking statements. The words “may,” “should,” “could,” “would,” “predict,” “potential,” “continue,” “expect,” “anticipate,” “future,” “intend,” “scheduled,” “plan,” “believe,” “estimate,” “assume,” “forecast,” “will,” and similar expressions, as well as statements in future tense, are intended to identify forward-looking statements.
The forward-looking statements are based on assumptions and analyses made by management in light of management's experience and its perception of historical trends, current conditions, expected future developments, and other factors that management believes are appropriate under the circumstances. These statements are subject to known and unknown risks, uncertainties, assumptions, and other factors that may cause the actual results and performance to be materially different from any future results or performance expressed or implied by such forward-looking statements.  These factors include, among others, the risks and uncertainties set forth in the “Risk Factors” section of the Company's Annual Report on Form 10-K for the year ended December 31, 2017 (the "2017 Annual Report"), and include such risks and uncertainties as:

•
loan portfolio risks such as interest rate basis and repricing risk resulting from the fact that the interest rate characteristics of the student loan assets do not match the interest rate characteristics of the funding for those assets, the risk of loss of floor income on certain student loans originated under the Federal Family Education Loan Program (the "FFEL Program" or "FFELP"), risks related to the use of derivatives to manage exposure to interest rate fluctuations, uncertainties regarding the expected benefits from purchased securitized and unsecuritized FFELP, private education, and consumer loans and initiatives to purchase additional FFELP, private education, and consumer loans, and risks from changes in levels of loan prepayment or default rates;
•
financing and liquidity risks, including risks of changes in the general interest rate environment and in the securitization and other financing markets for loans, including adverse changes resulting from slower than expected payments on student loans in FFELP securitization trusts, which may increase the costs or limit the availability of financings necessary to purchase, refinance, or continue to hold student loans;
•
risks from changes in the educational credit and services markets resulting from changes in applicable laws, regulations, and government programs and budgets, such as the expected decline over time in FFELP loan interest income and fee-based revenues due to the discontinuation of new FFELP loan originations in 2010 and potential government initiatives or legislative proposals to consolidate existing FFELP loans to the Federal Direct Loan Program or otherwise allow FFELP loans to be refinanced with Federal Direct Loan Program loans;
•
the uncertain nature of the expected benefits from the acquisition of Great Lakes Educational Loan Services, Inc. ("Great Lakes") on February 7, 2018 and the ability to successfully integrate technology, shared services, and other activities and successfully maintain and increase allocated volumes of student loans serviced under existing and any future servicing contracts with the U.S. Department of Education (the "Department"), which current contract between the Company and the Department accounted for 21 percent of the Company's revenue in 2017, risks to the Company related to the Department's initiative to procure new contracts for federal student loan servicing, including the risk that the Company on a post-Great Lakes acquisition basis may not be awarded a contract, risks related to the development by the Company and Great Lakes of a new student loan servicing platform, including risks as to whether the expected benefits from the new platform will be realized, and risks related to the Company's ability to comply with agreements with third-party customers for the servicing of FFELP, Federal Direct Loan Program, and private education and consumer loans;
•
risks related to a breach of or failure in the Company's operational or information systems or infrastructure, or those of third-party vendors, including cybersecurity risks related to the potential disclosure of confidential student loan borrower and other customer information;
•
uncertainties inherent in forecasting future cash flows from student loan assets and related asset-backed securitizations;
•
the uncertain nature of the expected benefits from the acquisition of ALLO Communications LLC on December 31, 2015 and the ability to integrate its communications operations and successfully expand its fiber network in existing service areas and additional communities and manage related construction risks;
•
risks and uncertainties related to initiatives to pursue additional strategic investments and acquisitions, including investments and acquisitions that are intended to diversify the Company both within and outside of its historical core education-related businesses; and
•
risks and uncertainties associated with litigation matters and with maintaining compliance with the extensive regulatory requirements applicable to the Company's businesses, reputational and other risks, including the risk of increased regulatory costs, resulting from the recent politicization of student loan servicing, and uncertainties inherent in the estimates and assumptions about future events that management is required to make in the preparation of the Company's consolidated financial statements.

All forward-looking statements contained in this report are qualified by these cautionary statements and are made only as of the date of this document. Although the Company may from time to time voluntarily update or revise its prior forward-looking statements to reflect actual results or changes in the Company's expectations, the Company disclaims any commitment to do so except as required by securities laws.

1



Consolidated Statements of Income
(Dollars in thousands, except share data)
(unaudited)

 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Interest income:
 
 
 
 
 
 
 
Loan interest
$
193,556

 
183,505

 
757,731

 
751,280

Investment interest
3,080

 
2,792

 
12,695

 
9,466

Total interest income
196,636

 
186,297

 
770,426

 
760,746

Interest expense:
 
 
 
 
 
 
 
Interest on bonds and notes payable
123,401

 
107,337

 
465,188

 
388,183

Net interest income
73,235

 
78,960

 
305,238

 
372,563

Less provision for loan losses
3,750

 
3,000

 
14,450

 
13,500

Net interest income after provision for loan losses
69,485

 
75,960

 
290,788

 
359,063

Other income:
 
 
 
 
 
 
 
Loan systems and servicing revenue
55,921

 
53,764

 
223,000

 
214,846

Tuition payment processing, school information, and campus commerce revenue
32,457

 
30,519

 
145,751

 
132,730

Communications revenue
8,122

 
4,492

 
25,700

 
17,659

Enrollment services revenue
—

 
—

 
—

 
4,326

Other income
7,952

 
15,218

 
52,826

 
53,929

Gain (loss) on sale of loans and debt repurchases, net
(2,635
)
 
5,720

 
2,902

 
7,981

Derivative settlements, net
2,982

 
(3,657
)
 
667

 
(21,949
)
Derivative market value and foreign currency transaction adjustments, net
4,032

 
86,844

 
(19,221
)
 
71,744

Total other income
108,831

 
192,900

 
431,625

 
481,266

Operating expenses:
 
 
 
 
 
 
 
Salaries and benefits
81,201

 
68,017

 
301,885

 
255,924

Depreciation and amortization
11,854

 
9,116

 
39,541

 
33,933

Loan servicing fees
3,064

 
5,726

 
22,734

 
25,750

Cost to provide communications services
3,160

 
1,697

 
9,950

 
6,866

Cost to provide enrollment services
—

 
—

 
—

 
3,623

Other expenses
38,809

 
31,245

 
121,619

 
115,419

Total operating expenses
138,088

 
115,801

 
495,729

 
441,515

Income before income taxes
40,228

 
153,059

 
226,684

 
398,814

Income tax benefit (expense)
5,486

 
(54,128
)
 
(64,863
)
 
(141,313
)
Net income
45,714

 
98,931

 
161,821

 
257,501

Net loss (income) attributable to noncontrolling interests
2,386

 
(585
)
 
11,345

 
(750
)
Net income attributable to Nelnet, Inc.
$
48,100

 
98,346

 
173,166

 
256,751

Earnings per common share:
 
 
 
 
 
 
 
Net income attributable to Nelnet, Inc. shareholders - basic and diluted
$
1.17

 
2.32

 
4.14

 
6.02

Weighted average common shares outstanding - basic and diluted
41,012,731

 
42,314,467

 
41,791,941

 
42,669,070



2


Condensed Consolidated Balance Sheets
(Dollars in thousands)
(unaudited)


 
As of December 31,
 
2017
 
2016
Assets:
 
 
 
Loans receivable, net
$
21,814,507

 
24,903,724

Cash, cash equivalents, investments, and notes receivable
307,290

 
323,798

Restricted cash
875,314

 
1,100,663

Goodwill and intangible assets, net
177,186

 
195,125

Other assets
790,138

 
669,785

Total assets
$
23,964,435

 
27,193,095

Liabilities:
 
 
 
Bonds and notes payable
$
21,356,573

 
24,668,490

Other liabilities
442,475

 
453,680

Total liabilities
21,799,048

 
25,122,170

Equity:
 
 
 
Total Nelnet, Inc. shareholders' equity
2,149,529

 
2,061,655

Noncontrolling interests
15,858

 
9,270

Total equity
2,165,387

 
2,070,925

Total liabilities and equity
$
23,964,435

 
27,193,095



3


Overview

The Company is a diverse company with a focus on delivering education-related products and services and student loan asset management. The largest operating businesses engage in student loan servicing, tuition payment processing and school information systems, and communications. A significant portion of the Company's revenue is net interest income earned on a portfolio of federally insured student loans. The Company also makes investments to further diversify the Company both within and outside of its historical core education-related businesses, including, but not limited to, investments in real estate and start-up ventures.

GAAP Net Income and Non-GAAP Net Income, Excluding Adjustments

The Company prepares its financial statements and presents its financial results in accordance with GAAP. However, it also provides additional non-GAAP financial information related to specific items management believes to be important in the evaluation of its operating results and performance. A reconciliation of the Company's GAAP net income to net income, excluding derivative market value and foreign currency transaction adjustments, and a discussion of why the Company believes providing this additional
information is useful to investors, is provided below.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
GAAP net income attributable to Nelnet, Inc.
$
48,100

 
98,346

 
173,166

 
256,751

Realized and unrealized derivative market value adjustments
(3,997
)
 
(61,452
)
 
(26,379
)
 
(59,895
)
Unrealized foreign currency transaction adjustments
(35
)
 
(25,392
)
 
45,600

 
(11,849
)
Net tax effect (a)
1,532

 
33,001

 
(7,304
)
 
27,263

Net income, excluding derivative market value and foreign currency transaction adjustments (b)
$
45,600


44,503

 
185,083

 
212,270

 
 
 
 
 
 
 
 
Earnings per share:
 
 
 
 
 
 
 
GAAP net income attributable to Nelnet, Inc.
$
1.17

 
2.32

 
4.14

 
6.02

Realized and unrealized derivative market value adjustments
(0.10
)
 
(1.45
)
 
(0.63
)
 
(1.40
)
Unrealized foreign currency transaction adjustments
—

 
(0.60
)
 
1.09

 
(0.28
)
Net tax effect (a)
0.04

 
0.78

 
(0.17
)
 
0.63

Net income, excluding derivative market value and foreign currency transaction adjustments (b)
$
1.11


1.05

 
4.43

 
4.97

(a)
The tax effects are calculated by multiplying the realized and unrealized derivative market value adjustments and unrealized foreign currency transaction adjustments by the applicable statutory income tax rate.

(b)
"Derivative market value and foreign currency transaction adjustments" include (i) both the realized portion of gains and losses (corresponding to variation margin received or paid on derivative instruments that are settled daily at a central clearinghouse under new rules effective January 3, 2017) and the unrealized portion of gains and losses that are caused by changes in fair values of derivatives which do not qualify for "hedge treatment" under GAAP; and (ii) the unrealized foreign currency transaction gains or losses caused by the re-measurement of the Company's Euro-denominated bonds to U.S. dollars.  "Derivative market value and foreign currency transaction adjustments" does not include "derivative settlements" that represent the cash paid or received during the current period to settle with derivative instrument counterparties the economic effect of the Company's derivative instruments based on their contractual terms.

The accounting for derivatives requires that changes in the fair value of derivative instruments be recognized currently in earnings, with no fair value adjustment of the hedged item, unless specific hedge accounting criteria is met.  Management has structured all of the Company’s derivative transactions with the intent that each is economically effective; however, the Company’s derivative instruments do not qualify for hedge accounting.  As a result, the change in fair value of derivative instruments is reported in current period earnings with no consideration for the corresponding change in fair value of the hedged item.  Under GAAP, the cumulative net realized and unrealized gain or loss caused by changes in fair values of derivatives in which the Company plans to hold to maturity will equal zero over the life of the contract. However, the net realized and unrealized gain or loss during any given reporting period fluctuates significantly from period to period. In addition, the Company has incurred unrealized foreign currency transaction adjustments for periodic fluctuations in currency exchange rates between the U.S. dollar and Euro in connection with its student loan asset-backed Euro-denominated bonds with an interest rate based on a spread to the EURIBOR index. The principal and accrued interest on these bonds were remeasured at each reporting period and recorded in the Company's consolidated balance sheet in U.S. dollars based on the foreign currency exchange rate on that date.

The Company believes these point-in-time estimates of asset and liability values related to its derivative instruments and Euro-denominated bonds that are or were subject to interest and currency rate fluctuations are or were subject to volatility mostly due to timing and market factors beyond the control of management, and affect the period-to-period comparability of the results of operations. Accordingly, the Company’s management utilizes operating results excluding these items for comparability purposes when making decisions regarding the Company’s performance and in presentations with credit rating agencies, lenders, and investors. Consequently, the Company reports this non-GAAP information because the Company believes that it provides additional information regarding operational and performance indicators that are closely assessed by management. There is no comprehensive, authoritative guidance for the presentation of such non-GAAP information, which is only meant to supplement GAAP results by providing additional information that management utilizes to assess performance.

On October 25, 2017, the Company completed a remarketing of the Company’s bonds that were prior to that date denominated in Euros, to denominate those bonds in U.S. dollars and reset the interest rate to be based on the 3-month LIBOR index. The Company also terminated a cross-currency interest rate swap associated with those bonds. As a result, foreign currency transaction adjustments will not be incurred with respect to those bonds after October 25, 2017.

4


Recent Events

Acquisition of Great Lakes

On February 7, 2018, the Company acquired 100 percent of the outstanding stock of Great Lakes for a purchase price of $150.0 million in cash.  The Company and Great Lakes are two of the four large private sector companies (referred to as Title IV Additional Servicers, or “TIVAS”) that have student loan servicing contracts awarded by the Department in June 2009 to provide servicing for loans owned by the Department.  These contracts are currently scheduled to expire on June 16, 2019. 

Going forward, Great Lakes and the Company will continue to service their respective government-owned portfolios on behalf of the Department, while maintaining their distinct brands, independent servicing operations, and teams. Likewise, each entity will continue to compete for new student loan volume under its respective existing contract with the Department. Nelnet will integrate technology, as well as shared services and other activities, to become more efficient and effective in meeting borrower needs.

The Company and Great Lakes have also been working together for almost two years to develop a new, state-of-the-art servicing system for government-owned student loans through their GreatNet joint venture.  The efficiencies gained by leveraging a single platform for government-owned loans supporting millions more borrowers will give the Company and Great Lakes opportunities to invest in strategies to further enhance borrower experiences.   

Headquartered in Madison, Wisconsin, Great Lakes has approximately 1,800 employees.  As of December 31, 2017, Great Lakes was servicing $224.4 billion in government-owned student loans for 7.5 million borrowers, $10.7 billion in FFEL Program loans for almost 479,000 borrowers, and $8.5 billion in private or consumer loans for over 415,000 borrowers.  During 2017, Great Lakes recognized approximately $230 million in servicing revenue. 

As of December 31, 2017 (on a pro-forma basis), the combined companies serviced $455 billion of loans for 16.2 million borrowers, including $397 billion in government-owned student loans for 13.4 million borrowers, $38 billion in FFEL Program loans for 1.9 million borrowers, and $20 billion in private or consumer loans for almost 918,000 borrowers.

Department of Education Servicing Contract

On February 20, 2018, the Department’s Office of Federal Student Aid ("FSA") released information regarding a new contract procurement process to service all student loans owned by the Department.  The contract solicitation process is divided into two phases.  Responses for Phase One are due on April 6, 2018.  The contract solicitation requests responses from interested vendors for nine components, including:
 
•
Component A: Enterprise-wide digital platform and related middleware
•
Component B: Enterprise-wide contact center platform, customer relationship management (CRM), and related middleware
•
Component C: Solution 3.0 (core processing, related middleware, and rules engine)
•
Component D: Solution 2.0 (core processing, related middleware, and rules engine)
•
Component E: Solution 3.0 business process operations
•
Component F: Solution 2.0 business process operations
•
Component G: Enterprise-wide data management platform
•
Component H: Enterprise-wide identity and access management (IAM)
•
Component I: Cybersecurity and data protection
The solicitation indicates Component C (Solution 3.0) is anticipated to be tailored for new customers and Component D (Solution 2.0) is anticipated to serve as the primary environment for FSA’s existing customers. After Solution 3.0 is deployed, FSA will determine the best distribution of loans between Solution 2.0 and Solution 3.0. In addition, more than one business process solution may be selected for Components E and F.
 
Vendors may provide a response for an individual, multiple, or all components.  The Company intends to respond to Phase One of the solicitation.

5


Segment Reporting

The Company has four reportable operating segments. The Company's reportable operating segments include:

• Loan Systems and Servicing
• Tuition Payment Processing and Campus Commerce
• Communications
• Asset Generation and Management

The Company earns fee-based revenue through its Loan Systems and Servicing, Tuition Payment Processing and Campus Commerce, and Communications operating segments. In addition, the Company earns interest income on its loan portfolio in its Asset Generation and Management operating segment.

The Company’s operating segments are defined by the products and services they offer and the types of customers they serve, and they reflect the manner in which financial information is currently evaluated by management. See note 1, "Description of Business," included in the 2017 Annual Report for a description of each operating segment, including the primary products and services offered.

The management reporting process measures the performance of the Company’s operating segments based on the management structure of the Company, as well as the methodology used by management to evaluate performance and allocate resources. Executive management (the "chief operating decision maker") evaluates the performance of the Company’s operating segments based on their financial results prepared in conformity with U.S. GAAP.  

The accounting policies of the Company's operating segments are the same as those described in note 3 "Summary of Significant Accounting Policies and Practices," included in the 2017 Annual Report. Intersegment revenues are charged by a segment that provides a product or service to another segment. Intersegment revenues and expenses are included within each segment consistent with the income statement presentation provided to management. Income taxes are allocated based on 38% of income before taxes for each individual operating segment. The difference between the consolidated income tax expense and the sum of taxes calculated for each operating segment is included in income taxes in Corporate and Other Activities.

Corporate and Other Activities

Other business activities and operating segments that are not reportable are combined and included in Corporate and Other Activities. Corporate and Other Activities includes the following items:

•
Income earned on certain investment activities
•
Interest expense incurred on unsecured debt transactions
•
Other product and service offerings that are not considered reportable operating segments including, but not limited to, Whitetail Rock Capital Management, LLC, the Company's SEC-registered investment advisor subsidiary

Corporate and Other Activities also include certain corporate activities and overhead functions related to executive management, human resources, accounting, legal, enterprise risk management, information technology, occupancy, and marketing. These costs are allocated to each operating segment based on estimated use of such activities and services.

6


Segment Results

The following tables include the results of each of the Company's operating segments reconciled to the consolidated financial
statements.
 
Three months ended December 31, 2017
 
Loan Systems and Servicing
 
Tuition Payment Processing and Campus Commerce
 
Communications
 
Asset
Generation and
Management
 
Corporate and Other Activities
 
Eliminations
 
Total
Total interest income
$
152

 
8

 
1

 
195,560

 
3,617

 
(2,702
)
 
196,636

Interest expense
3

 
—

 
2,059

 
123,358

 
683

 
(2,702
)
 
123,401

Net interest income
149

 
8

 
(2,058
)
 
72,202

 
2,934

 
—

 
73,235

Less provision for loan losses
—

 
—

 
—

 
3,750

 
—

 
—

 
3,750

Net interest income (loss) after provision for loan losses
149

 
8

 
(2,058
)
 
68,452

 
2,934

 
—

 
69,485

Other income:
 

 
 

 
 
 
 

 
 

 
 

 
 

Loan systems and servicing revenue
55,921

 
—

 
—

 
—

 
—

 
—

 
55,921

Intersegment servicing revenue
10,835

 
—

 
—

 
—

 
—

 
(10,835
)
 
—

Tuition payment processing, school information, and campus commerce revenue
—

 
32,457

 
—

 
—

 
—

 
—

 
32,457

Communications revenue
—

 
—

 
8,122

 
—

 
—

 
—

 
8,122

Other income
—

 
—

 
—

 
4,273

 
3,680

 
—

 
7,952

Gain (loss) on sale of loans and debt repurchases, net
—

 
—

 
—

 
(2,664
)
 
29

 
—

 
(2,635
)
Derivative settlements, net
—

 
—

 
—

 
3,169

 
(188
)
 
—

 
2,982

Derivative market value and foreign currency transaction adjustments, net
—

 
—

 
—

 
3,763

 
269

 
—

 
4,032

Total other income
66,756

 
32,457

 
8,122

 
8,541

 
3,790

 
(10,835
)
 
108,831

Operating expenses:
 

 
 

 
 
 
 
 
 

 
 
 
 

Salaries and benefits
39,324

 
18,515

 
4,458

 
393

 
18,512

 
—

 
81,201

Depreciation and amortization
1,220

 
2,371

 
3,955

 
—

 
4,309

 
—

 
11,854

Loan servicing fees
—

 
—

 
—

 
3,064

 
—

 
—

 
3,064

Cost to provide communications services
—

 
—

 
3,160

 
—

 
—

 
—

 
3,160

Other expenses
10,793

 
5,066

 
2,652

 
1,412

 
18,884

 
—

 
38,809

Intersegment expenses, net
8,374

 
2,650

 
629

 
11,716

 
(12,535
)
 
(10,835
)
 
—

Total operating expenses
59,711

 
28,602

 
14,854

 
16,585

 
29,170

 
(10,835
)
 
138,088

Income (loss) before income taxes
7,194

 
3,863

 
(8,790
)
 
60,408

 
(22,446
)
 
—

 
40,228

Income tax (expense) benefit
(3,718
)
 
(1,468
)
 
3,341

 
(22,955
)
 
30,287

 
—

 
5,486

Net income (loss)
3,476

 
2,395

 
(5,449
)
 
37,453

 
7,841

 
—

 
45,714

  Net loss (income) attributable to noncontrolling interests
2,591

 
—

 
—

 
—

 
(205
)
 
—

 
2,386

Net income (loss) attributable to Nelnet, Inc.
$
6,067

 
2,395

 
(5,449
)
 
37,453

 
7,636

 
—

 
48,100



7


 
Three months ended December 31, 2016
 
Loan Systems and Servicing
 
Tuition Payment Processing and Campus Commerce
 
Communications
 
Asset
Generation and
Management
 
Corporate and Other
Activities
 
Eliminations
 
Total
Total interest income
$
31

 
2

 
—

 
184,398

 
4,386

 
(2,520
)
 
186,297

Interest expense
—

 
—

 
600

 
107,883

 
1,373

 
(2,520
)
 
107,337

Net interest income
31

 
2

 
(600
)
 
76,515

 
3,013

 
—

 
78,960

Less provision for loan losses
—

 
—

 
—

 
3,000

 
—

 
—

 
3,000

Net interest income (loss) after provision for loan losses
31

 
2

 
(600
)
 
73,515

 
3,013

 
—

 
75,960

Other income:
 

 
 

 
 
 
 

 
 

 
 

 
 

Loan systems and servicing revenue
53,764

 
—

 
—

 
—

 
—

 
—

 
53,764

Intersegment servicing revenue
10,945

 
—

 
—

 
—

 
—

 
(10,945
)
 
—

Tuition payment processing, school information, and campus commerce revenue
—

 
30,519

 
—

 
—

 
—

 
—

 
30,519

Communications revenue
—

 
—

 
4,492

 
—

 
—

 
—

 
4,492

Other income
—

 
—

 
—

 
3,348

 
11,871

 
—

 
15,218

Gain on sale of loans and debt repurchases, net
—

 
—

 
—

 
3,585

 
2,135

 
—

 
5,720

Derivative settlements, net
—

 
—

 
—

 
(3,439
)
 
(219
)
 
—

 
(3,657
)
Derivative market value and foreign currency transaction adjustments, net
—

 
—

 
—

 
79,132

 
7,712

 
—

 
86,844

Total other income
64,709

 
30,519

 
4,492

 
82,626

 
21,499

 
(10,945
)
 
192,900

Operating expenses:
 

 
 

 
 
 
 

 
 

 
 

 
 

Salaries and benefits
35,221

 
16,470

 
2,857

 
481

 
12,987

 
—

 
68,017

Depreciation and amortization
540

 
2,884

 
1,923

 
—

 
3,770

 
—

 
9,116

Loan servicing fees
—

 
—

 
—

 
5,726

 
—

 
—

 
5,726

Cost to provide communications services
—

 
—

 
1,697

 
—

 
—

 
—

 
1,697

Other expenses
9,080

 
5,364

 
1,260

 
1,238

 
14,303

 
—

 
31,245

Intersegment expenses, net
6,036

 
1,925

 
347

 
11,702

 
(9,066
)
 
(10,945
)
 
—

Total operating expenses
50,877

 
26,643

 
8,084

 
19,147

 
21,994

 
(10,945
)
 
115,801

Income (loss) before income taxes
13,863

 
3,878

 
(4,192
)
 
136,994

 
2,518

 
—

 
153,059

Income tax (expense) benefit
(5,268
)
 
(1,473
)
 
1,593

 
(52,057
)
 
3,077

 
—

 
(54,128
)
Net income (loss)
8,595

 
2,405

 
(2,599
)
 
84,937

 
5,595

 
—

 
98,931

  Net loss (income) attributable to noncontrolling interests
—

 
—

 
—

 
—

 
(585
)
 
—

 
(585
)
Net income (loss) attributable to Nelnet, Inc.
$
8,595

 
2,405

 
(2,599
)
 
84,937

 
5,010

 
—

 
98,346





8


 
Year ended December 31, 2017
 
Loan Systems and Servicing
 
Tuition Payment Processing and Campus Commerce
 
Communications
 
Asset
Generation and
Management
 
Corporate and Other Activities
 
Eliminations
 
Total
Total interest income
$
513

 
17

 
3

 
764,225

 
13,643

 
(7,976
)
 
770,426

Interest expense
3

 
—

 
5,427

 
464,256

 
3,477

 
(7,976
)
 
465,188

Net interest income
510

 
17

 
(5,424
)
 
299,969

 
10,166

 
—

 
305,238

Less provision for loan losses
—

 
—

 
—

 
14,450

 
—

 
—

 
14,450

Net interest income (loss) after provision for loan losses
510

 
17

 
(5,424
)
 
285,519

 
10,166

 
—

 
290,788

Other income:
 

 
 

 
 
 
 

 
 

 
 

 
 

Loan systems and servicing revenue
223,000

 
—

 
—

 
—

 
—

 
—

 
223,000

Intersegment servicing revenue
41,674

 
—

 
—

 
—

 
—

 
(41,674
)
 
—

Tuition payment processing, school information, and campus commerce revenue
—

 
145,751

 
—

 
—

 
—

 
—

 
145,751

Communications revenue
—

 
—

 
25,700

 
—

 
—

 
—

 
25,700

Other income
—

 
—

 
—

 
13,424

 
39,402

 
—

 
52,826

Gain (loss) on sale of loans and debt repurchases, net
—

 
—

 
—

 
(1,567
)
 
4,469

 
—

 
2,902

Derivative settlements, net
—

 
—

 
—

 
1,448

 
(781
)
 
—

 
667

Derivative market value and foreign currency transaction adjustments, net
—

 
—

 
—

 
(19,357
)
 
136

 
—

 
(19,221
)
Total other income
264,674

 
145,751

 
25,700

 
(6,052
)
 
43,226

 
(41,674
)
 
431,625

Operating expenses:
 

 
 

 
 
 
 
 
 

 
 
 
 

Salaries and benefits
156,256

 
69,500

 
14,947

 
1,548

 
59,633

 
—

 
301,885

Depreciation and amortization
2,864

 
9,424

 
11,835

 
—

 
15,418

 
—

 
39,541

Loan servicing fees
—

 
—

 
—

 
22,734

 
—

 
—

 
22,734

Cost to provide communications services
—

 
—

 
9,950

 
—

 
—

 
—

 
9,950

Other expenses
39,126

 
19,138

 
8,074

 
3,900

 
51,381

 
—

 
121,619

Intersegment expenses, net
31,871

 
9,079

 
2,101

 
42,830

 
(44,208
)
 
(41,674
)
 
—

Total operating expenses
230,117

 
107,141

 
46,907

 
71,012

 
82,224

 
(41,674
)
 
495,729

Income (loss) before income taxes
35,067

 
38,627

 
(26,631
)
 
208,455

 
(28,832
)
 
—

 
226,684

Income tax (expense) benefit
(18,128
)
 
(14,678
)
 
10,120

 
(79,213
)
 
37,036

 
—

 
(64,863
)
Net income (loss)
16,939

 
23,949

 
(16,511
)
 
129,242

 
8,204

 
—

 
161,821

  Net loss (income) attributable to noncontrolling interests
12,640

 
—

 
—

 
—

 
(1,295
)
 
—

 
11,345

Net income (loss) attributable to Nelnet, Inc.
$
29,579

 
23,949

 
(16,511
)
 
129,242

 
6,909

 
—

 
173,166



9


 
Year ended December 31, 2016
 
Loan Systems and Servicing
 
Tuition Payment Processing and Campus Commerce
 
Communications
 
Asset
Generation and
Management
 
Corporate and Other Activities
 
Eliminations
 
Total
Total interest income
$
111

 
9

 
1

 
754,788

 
10,913

 
(5,076
)
 
760,746

Interest expense
—

 
—

 
1,271

 
385,913

 
6,076

 
(5,076
)
 
388,183

Net interest income
111

 
9

 
(1,270
)
 
368,875

 
4,837

 
—

 
372,563

Less provision for loan losses
—

 
—

 
—

 
13,500

 
—

 
—

 
13,500

Net interest income (loss) after provision for loan losses
111

 
9

 
(1,270
)
 
355,375

 
4,837

 
—

 
359,063

Other income:
 

 
 

 
 
 
 

 
 

 
 

 
 

Loan systems and servicing revenue
214,846

 
—

 
—

 
—

 
—

 
—

 
214,846

Intersegment servicing revenue
45,381

 
—

 
—

 
—

 
—

 
(45,381
)
 
—

Tuition payment processing, school information, and campus commerce revenue
—

 
132,730

 
—

 
—

 
—

 
—

 
132,730

Communications revenue
—

 
—

 
17,659

 
—

 
—

 
—

 
17,659

Enrollment services revenue
—

 
—

 
—

 
—

 
4,326

 
—

 
4,326

Other income
—

 
—

 
—

 
15,709

 
38,221

 
—

 
53,929

Gain on sale of loans and debt repurchases, net
—

 
—

 
—

 
5,846

 
2,135

 
—

 
7,981

Derivative settlements, net
—

 
—

 
—

 
(21,034
)
 
(915
)
 
—

 
(21,949
)
Derivative market value and foreign currency transaction adjustments, net
—

 
—

 
—

 
70,368

 
1,376

 
—

 
71,744

Total other income
260,227

 
132,730

 
17,659

 
70,889

 
45,143

 
(45,381
)
 
481,266

Operating expenses:
 

 
 

 
 
 
 
 
 

 
 
 
 

Salaries and benefits
132,072

 
62,329

 
7,649

 
1,985

 
51,889

 
—

 
255,924

Depreciation and amortization
1,980

 
10,595

 
6,060

 
—

 
15,298

 
—

 
33,933

Loan servicing fees
—

 
—

 
—

 
25,750

 
—

 
—

 
25,750

Cost to provide communications services
—

 
—

 
6,866

 
—

 
—

 
—

 
6,866

Cost to provide enrollment services
—

 
—

 
—

 
—

 
3,623

 
—

 
3,623

Other expenses
40,715

 
18,486

 
4,370

 
6,005

 
45,843

 
—

 
115,419

Intersegment expenses, net
24,204

 
6,615

 
958

 
46,494

 
(32,889
)
 
(45,381
)
 
—

Total operating expenses
198,971

 
98,025

 
25,903

 
80,234

 
83,764

 
(45,381
)
 
441,515

Income (loss) before income taxes
61,367

 
34,714

 
(9,514
)
 
346,030

 
(33,784
)
 
—

 
398,814

Income tax (expense) benefit
(23,319
)
 
(13,191
)
 
3,615

 
(131,492
)
 
23,074

 
—

 
(141,313
)
Net income (loss)
38,048

 
21,523

 
(5,899
)
 
214,538

 
(10,710
)
 
—

 
257,501

  Net loss (income) attributable to noncontrolling interests
—

 
—

 
—

 
—

 
(750
)
 
—

 
(750
)
Net income (loss) attributable to Nelnet, Inc.
$
38,048

 
21,523

 
(5,899
)
 
214,538

 
(11,460
)
 
—

 
256,751



10



Net Interest Income, Net of Settlements on Derivatives
The following table summarizes the components of "net interest income" and "derivative settlements, net."

Derivative settlements represent the cash paid or received during the current period to settle with derivative instrument counterparties the economic effect of the Company's derivative instruments based on their contractual terms. Derivative accounting requires that net settlements with respect to derivatives that do not qualify for "hedge treatment" under GAAP be recorded in a separate income statement line item below net interest income.  The Company maintains an overall risk management strategy that incorporates the use of derivative instruments to reduce the economic effect of interest rate volatility.  As such, management believes derivative settlements for each applicable period should be evaluated with the Company’s net interest income as presented in the table below.  Net interest income (net of settlements on derivatives) is a non-GAAP financial measure, and the Company reports this non-GAAP information because the Company believes that it provides additional information regarding operational and performance indicators that are closely assessed by management.  There is no comprehensive, authoritative guidance for the presentation of such non-GAAP information, which is only meant to supplement GAAP results by providing additional information that management utilizes to assess performance.  See "Derivative Settlements" included in this supplement for the net settlement activity recognized by the Company for each type of derivative for the periods presented in the table below.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Variable loan interest margin
$
48,788

 
39,292

 
189,594

 
199,215

Settlements on associated derivatives (a)
(1,791
)
 
(1,036
)
 
(9,390
)
 
(3,392
)
Variable loan interest margin, net of settlements on derivatives
46,997

 
38,256

 
180,204

 
195,823

Fixed rate floor income
22,053

 
38,250

 
106,434

 
169,979

Settlements on associated derivatives (b)
4,961

 
(2,402
)
 
10,838

 
(17,643
)
Fixed rate floor income, net of settlements on derivatives
27,014

 
35,848

 
117,272

 
152,336

Investment interest
3,080

 
2,792

 
12,695

 
9,466

Corporate debt interest expense
(686
)
 
(1,374
)
 
(3,485
)
 
(6,096
)
Non-portfolio related derivative settlements (c)
(188
)
 
(219
)
 
(781
)
 
(915
)
Net interest income (net of settlements on derivatives)
$
76,217

 
75,303

 
305,905

 
350,614


(a)
Includes the net settlements paid/received related to the Company’s 1:3 basis swaps and cross-currency interest rate swap.

(b)
Includes the net settlements paid/received related to the Company’s floor income interest rate swaps.

(c)
Includes the net settlements paid/received related to the Company’s hybrid debt hedges.


11


Student Loan Servicing Volumes (dollars in millions)

stulnservicingvolq417a01.jpg
Company owned
 
$21,397
 
$19,742
 
$18,886
 
$18,433
 
$18,079
 
$17,429
 
$16,962
 
$16,352
 
$15,789
 
$18,403
 
$17,827
% of total
 
15.5%
 
12.2%
 
10.7%
 
10.1%
 
9.8%
 
9.0%
 
8.7%
 
8.2%
 
7.9%
 
8.9%
 
8.4%
Number of servicing borrowers:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Government servicing
 
5,305,498

 
5,915,449

 
5,842,163

 
5,786,545

 
5,726,828

 
6,009,433

 
5,972,619

 
5,924,099

 
5,849,283

 
5,906,404
 
5,877,414
FFELP servicing
 
1,462,122

 
1,397,295

 
1,335,538

 
1,298,407

 
1,296,198

 
1,357,412

 
1,312,192

 
1,263,785

 
1,218,706

 
1,317,552
 
1,420,311
Private education and consumer loan servicing
 
195,580

 
202,529

 
245,737

 
250,666

 
267,073

 
292,989

 
355,096

 
389,010

 
454,182

 
478,150
 
502,114
Total:
 
6,963,200

 
7,515,273

 
7,423,438

 
7,335,618

 
7,290,099

 
7,659,834

 
7,639,907

 
7,576,894

 
7,522,171

 
7,702,106
 
7,799,839
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of remote hosted borrowers
 
1,915,203

 
1,611,654

 
1,755,341

 
1,796,783

 
1,842,961

 
2,103,989

 
2,230,019

 
2,305,991

 
2,317,151

 
2,714,588

 
2,812,713



12


Communications Financial and Operating Data

Certain financial and operating data for ALLO is summarized in the tables below.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Residential revenue
$
5,844

 
2,786

 
17,705

 
10,480

Business revenue
2,219

 
1,585

 
7,735

 
6,362

Other revenue
59

 
121

 
260

 
817

Total revenue
$
8,122

 
4,492

 
25,700

 
17,659

 
 
 
 
 
 
 
 
Net (loss) income
$
(5,449
)
 
(2,599
)
 
(16,511
)
 
(5,899
)
EBITDA (a)
(2,777
)
 
(1,669
)
 
(9,372
)
 
(2,184
)
 
 
 
 
 
 
 
 
Capital expenditures
36,672

 
14,170

 
115,102

 
38,817

 
 
 
 
 
 
 
 
Revenue contribution:
 
 
 
 
 
 
 
Internet
48.4
%
 
41.4
%
 
45.8
%
 
38.8
%
Television
30.8

 
32.1

 
30.7

 
32.1

Telephone
19.3

 
26.1

 
21.5

 
26.5

Other
1.5

 
0.4

 
2.0

 
2.6

 
100.0
%
 
100.0
%
 
100.0
%
 
100.0
%


 
As of
December 31, 2017
 
As of September 30, 2017
 
As of
June 30, 2017
 
As of
March 31, 2017
 
As of
December 31, 2016
 
As of September 30, 2016
 
As of
June 30, 2016
 
As of
March 31, 2016
 
As of
December 31, 2015
Residential customer information:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Households served
20,428

 
16,394

 
12,460

 
10,524

 
9,814

 
8,745

 
8,314

 
7,909

 
7,600

Households passed (b)
71,426

 
54,815

 
45,880

 
34,925

 
30,962

 
22,977

 
22,977

 
21,274

 
21,274

Total households in current markets
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
28,874

Total households in current markets and new markets announced (c)
152,626

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500

 
137,500


(a)
Earnings (loss) before interest, income taxes, depreciation, and amortization ("EBITDA") is a supplemental non-GAAP performance measure that is frequently used in capital-intensive industries such as telecommunications. ALLO's management uses EBITDA to compare ALLO's performance to that of its competitors and to eliminate certain non-cash and non-operating items in order to consistently measure performance from period to period. EBITDA excludes interest and income taxes because these items are associated with a company's particular capitalization and tax structures. EBITDA also excludes depreciation and amortization expense because these non-cash expenses primarily reflect the impact of historical capital investments, as opposed to the cash impacts of capital expenditures made in recent periods, which may be evaluated through cash flow measures. The Company reports EBITDA for ALLO because the Company believes that it provides useful additional information for investors regarding a key metric used by management to assess ALLO's performance. There are limitations to using EBITDA as a performance measure, including the difficulty associated with comparing companies that use similar performance measures whose calculations may differ from ALLO's calculations. In addition, EBITDA should not be considered a substitute for other measures of financial performance, such as net income or any other performance measures derived in accordance with GAAP. A reconciliation of EBITDA from ALLO's net loss under GAAP is presented in the following table:

13


 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Net loss
$
(5,449
)
 
(2,599
)
 
(16,511
)
 
(5,899
)
Net interest expense
2,058

 
600

 
5,424

 
1,270

Income tax benefit
(3,341
)
 
(1,593
)
 
(10,120
)
 
(3,615
)
Depreciation and amortization
3,955

 
1,923

 
11,835

 
6,060

Earnings (loss) before interest, income taxes, depreciation, and amortization (EBITDA)
$
(2,777
)
 
(1,669
)
 
(9,372
)
 
(2,184
)
(b)
Represents the number of single residence homes, apartments, and condominiums that ALLO already serves and those in which ALLO has the capacity to connect to its network distribution system without further material extensions to the transmission lines, but have not been connected.
(c)
In November 2015, ALLO announced plans to expand its network to make services available to substantially all commercial and residential premises in Lincoln, Nebraska. During the fourth quarter of 2017, ALLO announced plans to expand its network to make services available in Hastings, Nebraska and Fort Morgan, Colorado. ALLO plans to expand to additional communities in Nebraska and Colorado over the next several years.

Other Income

The following table summarizes the components of "other income."
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Investment advisory fees
$
1,062

 
2,762

 
12,723

 
6,129

Peterson's revenue
3,290

 
3,599

 
12,572

 
14,254

Borrower late fee income
2,506

 
2,928

 
11,604

 
12,838

Realized and unrealized gains on investments classified as available-for-sale and trading, net
(671
)
 
1,329

 
2,514

 
2,773

Other
1,765

 
4,600

 
13,413

 
17,935

Other income
$
7,952

 
15,218

 
52,826

 
53,929


Derivative Settlements

The following table summarizes the components of "derivative settlements, net" included in the attached consolidated statements of income.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
1:3 basis swaps
$
(1,233
)
 
555

 
(3,069
)
 
1,493

Interest rate swaps - floor income hedges
4,961

 
(2,402
)
 
10,838

 
(17,643
)
Interest rate swaps - hybrid debt hedges
(188
)
 
(219
)
 
(781
)
 
(915
)
Cross-currency interest rate swap
(558
)
 
(1,591
)
 
(6,321
)
 
(4,884
)
Total derivative settlements - income (expense)
$
2,982

 
(3,657
)
 
667

 
(21,949
)


14


Derivative Market Value and Foreign Currency Transaction Adjustments

"Derivative market value and foreign currency transaction adjustments" include (i) the realized and unrealized gains and losses that are caused by changes in fair values of derivatives which do not qualify for "hedge treatment" under GAAP; and (ii) the unrealized foreign currency transaction gains or losses caused by the re-measurement of the Company's Euro-denominated bonds to U.S. dollars.

The following table summarizes the components of “derivative market value and foreign currency transaction adjustments” included in the attached consolidated statements of income.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Change in fair value of derivatives -
income (expense)
$
3,997

 
61,452

 
26,379

 
59,895

Foreign currency transaction adjustment - income (expense)
35

 
25,392

 
(45,600
)
 
11,849

Derivative market value and foreign currency transaction adjustments - income (expense)
$
4,032

 
86,844

 
(19,221
)
 
71,744


Loans Receivable

Loans receivable consisted of the following:
 
As of December 31,
 
2017
 
2016
Federally insured student loans:
 
 
 
Stafford and other
$
4,418,881

 
5,186,047

Consolidation
17,302,725

 
19,643,937

Total
21,721,606

 
24,829,984

Private education loans
212,160

 
273,659

Consumer loans
62,111

 
—

 
21,995,877

 
25,103,643

Loan discount, net of unamortized loan premiums and deferred origination costs
(113,695
)
 
(129,507
)
Non-accretable discount
(13,085
)
 
(18,570
)
Allowance for loan losses:
 
 
 
Federally insured loans
(38,706
)
 
(37,268
)
Private education loans
(12,629
)
 
(14,574
)
Consumer loans
(3,255
)
 
—

 
$
21,814,507

 
24,903,724



15


Loan Activity

The following table sets forth the activity of loans:

 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Beginning balance
$
22,713,913

 
25,819,365

 
25,103,643

 
28,555,749

Loan acquisitions:
 
 
 
 
 
 
 
Federally insured student loans
113,052

 
105,042

 
254,740

 
295,443

Private education loans
3,087

 
12,473

 
3,785

 
60,667

Consumer loans
26,456

 
—

 
71,726

 
—

Total loan acquisitions
142,595

 
117,515

 
330,251

 
356,110

Repayments, claims, capitalized interest, and other
(569,131
)
 
(531,029
)
 
(2,257,450
)
 
(2,520,835
)
Consolidation loans lost to external parties
(238,297
)
 
(302,208
)
 
(1,127,364
)
 
(1,242,621
)
Loans sold
(53,203
)
 
—

 
(53,203
)
 
(44,760
)
Ending balance
$
21,995,877

 
25,103,643

 
21,995,877

 
25,103,643



16


Loan Spread Analysis

The following table analyzes the loan spread on the Company’s portfolio of loans, which represents the spread between the yield earned on loan assets and the costs of the liabilities and derivative instruments used to fund the assets.
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Variable loan yield, gross
3.80
 %
 
3.03
 %
 
3.53
 %
 
2.90
 %
Consolidation rebate fees
(0.85
)
 
(0.84
)
 
(0.84
)
 
(0.83
)
Discount accretion, net of premium and deferred origination costs amortization (a)
0.07

 
0.06

 
0.07

 
0.06

Variable loan yield, net
3.02


2.25

 
2.76

 
2.13

Loan cost of funds - interest expense (b)
(2.21
)
 
(1.55
)
 
(1.99
)
 
(1.41
)
Loan cost of funds - derivative settlements (c) (d)
(0.03
)
 
(0.02
)
 
(0.04
)
 
(0.01
)
Variable loan spread
0.78


0.68

 
0.73

 
0.71

Fixed rate floor income, gross
0.39

 
0.60

 
0.45

 
0.63

Fixed rate floor income - derivative settlements (c) (e)
0.09

 
(0.04
)
 
0.05

 
(0.06
)
Fixed rate floor income, net of settlements on derivatives
0.48


0.56

 
0.50

 
0.57

Core loan spread
1.26
 %

1.24
 %
 
1.23
 %
 
1.28
 %
 
 
 
 
 
 
 
 
Average balance of loans
$
22,397,323

 
25,538,721

 
23,560,412

 
26,863,526

Average balance of debt outstanding
21,952,133

 
25,362,201

 
23,250,268

 
26,729,196


(a)
In the third quarter of 2016, the Company revised its policy to correct for an error in its method of applying the interest method used to amortize premiums and accrete discounts on its student loan portfolio. Under the Company's revised policy, as of September 30, 2016, the constant prepayment rate used by the Company to amortize/accrete student loan premiums/discounts was decreased. During the third quarter of 2016, the Company recorded an adjustment to reflect the net impact on prior periods for the correction of this error that resulted in an $8.2 million reduction to the Company's net loan discount balance and a corresponding increase in interest income. The impact of this adjustment was excluded from the above table.

(b)
In the fourth quarter of 2016, the Company redeemed certain debt securities prior to their legal maturity and recognized $7.4 million in interest expense to write off the remaining debt discount associated with these bonds. The impact of this expense was excluded from the above table.

(c)
Derivative settlements represent the cash paid or received during the current period to settle with derivative instrument counterparties the economic effect of the Company's derivative instruments based on their contractual terms. Derivative accounting requires that net settlements with respect to derivatives that do not qualify for "hedge treatment" under GAAP be recorded in a separate income statement line item below net interest income.  The Company maintains an overall risk management strategy that incorporates the use of derivative instruments to reduce the economic effect of interest rate volatility.  As such, management believes derivative settlements for each applicable period should be evaluated with the Company’s net interest income (loan spread) as presented in this table. The Company reports this non-GAAP information because it believes that it provides additional information regarding operational and performance indicators that are closely assessed by management.  There is no comprehensive, authoritative guidance for the presentation of such non-GAAP information, which is only meant to supplement GAAP results by providing additional information that management utilizes to assess performance.  See "Derivative Settlements" included in this supplement for the net settlement activity recognized by the Company for each type of derivative for the periods presented in this table.

(d)
Derivative settlements include the net settlements paid/received related to the Company’s 1:3 basis swaps and cross-currency interest rate swap.

(e)
Derivative settlements include the net settlements paid/received related to the Company’s floor income interest rate swaps.


17


A trend analysis of the Company's core and variable student loan spreads is summarized below.
loanspreadsq42017a01.jpg
(a)
The interest earned on a large portion of the Company's FFELP student loan assets is indexed to the one-month LIBOR rate.  The Company funds a majority of its assets with three-month LIBOR indexed floating rate securities.  The relationship between the indices in which the Company earns interest on its loans and funds such loans has a significant impact on student loan spread.  This table (the right axis) shows the difference between the Company's liability base rate and the one-month LIBOR rate by quarter.

The primary difference between variable student loan spread and core student loan spread is fixed rate floor income.  A summary of fixed rate floor income and its contribution to core student loan spread follows:
 
Three months ended December 31,
 
Year ended December 31,
 
2017
 
2016
 
2017
 
2016
Fixed rate floor income, gross
$
22,053

 
38,250

 
106,434

 
169,979

Derivative settlements (a)
4,961

 
(2,402
)
 
10,838

 
(17,643
)
Fixed rate floor income, net
$
27,014


35,848

 
117,272

 
152,336

Fixed rate floor income contribution to spread, net
0.48
%
 
0.56
%
 
0.50
%
 
0.57
%

(a)
Includes settlement payments on derivatives used to hedge student loans earning fixed rate floor income.


18


Fixed Rate Floor Income

The following table shows the Company’s federally insured student loan assets that were earning fixed rate floor income as of December 31, 2017.
Fixed interest rate range
 
Borrower/lender weighted average yield
 
Estimated variable conversion rate (a)
 
Loan balance
 
 
 
4.0 - 4.49%
 
4.24%
 
1.60%
 
$
1,122,268

4.5 - 4.99%
 
4.71%
 
2.07%
 
844,518

5.0 - 5.49%
 
5.22%
 
2.58%
 
525,738

5.5 - 5.99%
 
5.67%
 
3.03%
 
369,930

6.0 - 6.49%
 
6.19%
 
3.55%
 
424,652

6.5 - 6.99%
 
6.70%
 
4.06%
 
407,146

7.0 - 7.49%
 
7.17%
 
4.53%
 
146,457

7.5 - 7.99%
 
7.71%
 
5.07%
 
243,926

8.0 - 8.99%
 
8.18%
 
5.54%
 
542,818

> 9.0%
 
9.05%
 
6.41%
 
184,513

 
 
 
 
 
 
$
4,811,966



(a)
The estimated variable conversion rate is the estimated short-term interest rate at which loans would convert to a variable rate. As of December 31, 2017, the weighted average estimated variable conversion rate was 3.17% and the short-term interest rate was 136 basis points.


The following table summarizes the outstanding derivative instruments as of December 31, 2017 used by the Company to economically hedge loans earning fixed rate floor income.
Maturity
 
Notional amount
 
Weighted average fixed rate paid by the Company (a)
 
 
2018
 
$
1,350,000

 
1.07
%
2019
 
3,250,000

 
0.97

2020
 
1,500,000

 
1.01

2023
 
750,000

 
2.28

2024
 
300,000

 
2.28

2025
 
100,000

 
2.32

2027
 
50,000

 
2.32

 
 
$
7,300,000

 
1.21
%

(a)
For all interest rate derivatives, the Company receives discrete three-month LIBOR.

19
 EX-99.3 4 a8kexh993shareholderlett.htm EXHIBIT 99.3 a8kexh993shareholderlett
2017 Letter to Shareholders | Page 1 Dear Shareholders: Last year was an interesting time in the life of our company. Interesting is a great way to say there is rarely a dull moment in business today, and Nelnet was no exception in 2017. We celebrated many successes, worked through a few minor setbacks, and created a host of opportunities. As Executive Chairman Mike Dunlap and I have discussed virtually every year in our shareholder letters, we believe the ultimate success of any business should primarily be measured by the per share fundamental value it creates. Ultimately, long-term fundamental value is simply the total amount of net cash a business generates over its life. We measure success based on the free cash flow created in each of our businesses, return on invested capital, and growth in per share book value of the company overall. From these perspectives, we had a very solid year. We recognize that financial success comes from living out our Core Values and we strive to keep these values in front of our associates each day. We are very proud of the work that is being done by all of our talented associates. They are our most valuable resource, and fostering an environment where they can succeed is a priority. Nelnet’s Core Values: • Provide superior customer experiences • Create an awesome work environment • Pursue opportunities for diversification and growth • Communicate openly and honestly • Give back to the communities in which we live and work At our roots, we are a finance company. While we have diversified into many fee-based businesses, we still maintain our strengths in asset management, finance, and securitization. Our journey began with student loans, and today we are acutely aware of the amortization of our student loan assets. It was quite evident in 2017, with a $3.1 billion decrease in the portfolio outstanding to $21.8 billion at year-end. As our legacy portfolio runs off, we have been evaluating various loan assets, including private education and consumer loans, in which we can leverage our core financial strengths. This year, we will look to add assets through which we can earn acceptable returns and leverage our servicing, processing, and payment capabilities. That being said, our intent is not to grow simply for the sake of growth, but rather to focus on value-based lending instead of volume-based lending. For example, we are confident we could generate a sizable number of loan assets on our balance sheet that would either layer on credit or liquidity risk we are not comfortable taking, or would not hit our return on investment targets. That strategy would demonstrate growth, yet simultaneously not be the best use of our cash in the current economic environment. February 27, 2018

 
2017 Letter to Shareholders | Page 2 It may sound strange in today’s asset-hungry financial services environment, but we intend to invest our capital in businesses and loan assets that will generate positive cash flow, grow profitably over time, and hit the appropriate risk-adjusted returns on our invested capital. If we can’t accomplish those goals, we will either wait until we can, or return capital to our shareholders in the form of dividends and stock repurchases. At the senior management level, if we are doing our jobs, we are establishing solid business strategies, recruiting top talent to implement those strategies, running efficient operations, and deploying capital effectively. As it relates to capital allocation, we are continually faced with five choices: invest in existing operations for future growth, acquire or start new businesses, pay down debt, pay dividends, or repurchase stock. Below we share how we deployed capital in 2017 and provide insight into our future direction in our various businesses. To summarize the year: • Our loan portfolio generated substantial cash flow and net income for the company, yet experienced large pay downs, as expected. • Our servicing business grew in total amount and types of loans serviced organically and through product expansion. We will continue to grow in 2018 through industry consolidation and our acquisition of Great Lakes Educational Loan Services, Inc.; we believe we are well-positioned to respond to the government servicing contract procurement. • Our payments business continued to generate solid growth and will continue to make additional investments in technology and new products. • We made long-term investments in our fiber optic communications business with a total of $115 million in capital expenditures invested in plant and infrastructure and began to see revenue production through line and customer growth. • We divested the Peterson’s Publishing business because it no longer fit our strategic goals. • We remain extremely positive about our investment in Hudl. • We paid $24 million in dividends to our shareholders and repurchased $69 million in stock from our shareholders. • The changes in tax code created some noise in our financial statements at year-end but should have a very positive impact in 2018 and beyond. A great way to evaluate Nelnet’s performance is to consider where we are generating and spending cash. Some of the more significant cash activities during 2017 are summarized below. In 2017, we generated over $380 million of cash from the following selected activities: +$270 million from the portfolio +$52 million from servicing operations +$49 million from our payments processing division +$12 million from asset and investment management

 
2017 Letter to Shareholders | Page 3 In 2017, we used more than $600 million of cash through the following selected activities: -$171 million in net investment activity (including debt repurchases) -$130 million in capital expenditures and operating losses for expansion of our fiber optic communications division -$97 million in income taxes -$93 million in stock repurchases and dividends -$75 million in private education and consumer loan acquisitions -$41 million in capital expenditures for facilities and infrastructure Nelnet is in a fortunate position to have businesses on both ends of the spectrum – those that are not capital intensive, generating significant cash and opportunities for additional investment, and those with a long-term high return potential that require significant capital. We have been looking at the after-tax return on committed capital in all of our businesses, assuming they are in a mature state. The somewhat difficult part is calculating the true current equity investment we have allocated in each of those divisions. The goal is to evaluate whether we believe continued investment in those divisions is a good decision. In 2017, the return on committed capital related to our student loan portfolio was in the high single digits, which is lower than past years because we currently have significant cash trapped in reserve accounts in the trust estates holding the portfolio, as well as a decreasing amount of fixed rate floor income as interest rates rise and the loans amortize. If the internal rate of return over the life of our portfolio is considered, it is significantly greater than the 2017 return on equity, and is probably the best investment we will have made in our business careers. As the portfolio continues to amortize and capital is released from the various trust estates, it will be available for further investment in diversified assets, other business opportunities, or returned to shareholders. Our servicing business is our most mature fee-based business and, in reality, our least capital-intensive business as it relies on well-established infrastructure and technology. The return on committed capital was in excess of 20 percent in 2017. While its traditional product offerings are mature and do not require significant capital to maintain, it also offers unique opportunities for capital deployment to improve borrower experience through industry consolidation, acquisitions, and new product development, as evidenced by our acquisition of Great Lakes and expansion into consumer loan servicing. Our payments business has mature products and new products. The return on committed capital in 2017 was in excess of 20 percent. We have been providing payment plans in K-12 schools since 1985 and processing payments on higher education campuses since 1997. We have tremendous opportunity to develop and integrate new products in schools, as well as develop modern infrastructure for the payment processing industry. Coupled with international expansion, we see increasing opportunity for investment and capital deployment in our payments business. Our investment in fiber optic communications is in its infancy. We are making significant capital and infrastructure investments with confidence in our ability to add customers to our network and create long-term cash flow value. // Return on Committed Capital

 
2017 Letter to Shareholders | Page 4 Our servicing business, Nelnet Diversified Solutions (NDS), had a strong year on many fronts. The revenue generated by the business was $265 million, up from $260 million in 2016. The division booked income before taxes of $35 million for the year, which included all of the costs for our joint venture with Great Lakes, before elimination of the amount attributable to their portion. The major drivers in the business were increases in federal Direct, private education, Federal Family Education Loan (FFEL) Program loans, and consumer loans. NDS is experiencing a runoff of FFEL Program loans as they naturally amortize and pay off; however, we are also winning a fair number of FFEL Program loan servicing transfers as loan holders consolidate servicing to a handful of loan servicers as the entire outstanding FFEL Program portfolio pays off. We have made strides growing in consumer and private education loan servicing and in the back-up servicing space for FinTech lenders. In 2018, we believe we will continue to grow servicing in the consumer loan industry as FinTechs are looking to partner with highly capitalized, investment grade rated servicers with state-of-the-art, highly scalable origination and repayment servicing systems. The first half of 2017 was consumed with our joint venture with Great Lakes servicing to bid on the government’s procurement for a single servicing platform for student loans. Our joint venture team worked tirelessly to put together what we believed to be a winning proposal, and once that particular procurement was cancelled, we pivoted to work on an acquisition of Great Lakes’ servicing operation. This acquisition was completed on February 7, 2018. Our fundamental belief in this instance is that one plus one is significantly greater than two. Both Nelnet and Great Lakes are industry leaders in customer satisfaction scores and together we boast more than 90 years of experience serving student loan borrowers. Once we started working with the Great Lakes teams to plan the acquisition, we confirmed our previous belief that we share similar cultures with a deep focus on exceptional customer experiences. Our combined organization is now made up of approximately 6,100 associates, with more than 4,300 associates servicing $455 billion of loans for 16.2 million borrowers. We have identified duplicative costs in certain areas of Nelnet and Great Lakes that bring opportunities to gain efficiencies. We both spend significant dollars on our core processing systems, and although they are written in different code bases, they perform the same functionality. Our thesis is that we can combine the loan portfolios onto a single platform and use the savings to provide an even better experience to our lender and borrower customers. Our objective is to develop a modernized, state-of-the-art system that operates at the highest quality and lowest cost. // Loan Servicing

 
2017 Letter to Shareholders | Page 5 // Tuition Payment Processing and Campus Commerce Nelnet Business Solutions (NBS) is our campus commerce and tuition payment processing division. The business had a record year in 2017, earning revenue of $146 million, up from $133 million in 2016, and $120 million in 2015. NBS earned income before taxes of $39 million in 2017, up from $35 million in 2016, and $31 million in 2015. We characterize the business as a technology service value-added payments company. We continue to expand our services to nearly 11,500 private, faith-based K-12 schools by integrating our products and services into a complete school management solution. Our FACTS Management company is the leading brand in this space and we intend to expand the use of the FACTS brand in the coming year. The scope of our leading products and services for schools includes tuition management and billing services, financial needs assessment and scholarship administration, student information systems and learning management, enrollment management, emergency notification, donation, and parent portal reporting. Nelnet Campus Commerce is our higher education brand in the United States, serving 970 colleges and universities with payment processing, billing and tuition management products, and services that ultimately make higher education more affordable. This business is characterized by products and services that have deep integration with enterprise resource planning (ERP) partners on campus. The efficacy of deployment is critical to the success of both student experiences and institutional client relationships. Nelnet Campus Commerce differentiates its services by professionalizing its approach to integration with information technology experts on campus and ERP partners. We continue to advance the mobility of our products while maintaining the highest level of security and Payment Card Industry (PCI) compliance. One of the unique happenings in NBS in 2017 was the ongoing investment in payment products and services, primarily under the PaymentSpring name. This investment will create another card processing solution for our clients on top of our deep integration with existing processors. Our back-end technology deployment allows for a deeper level of reporting and pricing analysis for our value-added reseller clients, such as colleges and universities, than is available from existing processors today. The investment in back-end processing as well as a state-of-the- art front-end customer interface will position Nelnet to better serve existing clients as well as offer a competitive solution to expand into other areas of the payments industry. In 2017, the company incurred almost $6 million in net operating costs related to providing and developing these products and services. We will continue to invest additional capital into these products and services, which will impact our operating results over the next several years. NBS recently launched a product that supported a national giving platform for a single day of giving during Catholic Schools Week. Through the sponsorship of the National Catholic Educational Association and FACTS donation management technology, we are giving back to the schools we serve and increasing the vitality of private education. We also see opportunity in the federal liberalization of 529 savings plan funds for the payment of private education expenses. We are evaluating the business requirements necessary to allow consumers to transfer 529 savings plan funds to tuition expenses at our client schools. This type of investment results in a stronger private school system in the United States, indirectly benefitting FACTS by enhancing the financial stability of the industry. UniLink, NBS’ operating subsidiary in Australia, is a payment and commerce provider to higher education institutions Down Under with dominant market share serving over 70 percent of all higher education institutions in the country. Australia presents a growth opportunity in K-12 education as well. In 2017, we focused on refining

 
2017 Letter to Shareholders | Page 6 // Telecommunications Nelnet acquired ALLO Communications on December 31, 2015. Since then, ALLO has become an integral part of Nelnet and an exciting part of our future. Revenue from ALLO was $26 million in 2017, compared with $18 million in 2016. We anticipate that ALLO will be dilutive to our consolidated earnings as it continues to build its network in Lincoln, Nebraska and other communities, due to depreciation of large upfront capital expenditures and upfront customer acquisition costs. In 2017, ALLO incurred a net loss of $17 million, compared with a net loss of $6 million for 2016. ALLO's management uses earnings (loss) before interest, income taxes, depreciation, and amortization (EBITDA) to eliminate certain non-cash and non-operating items in order to consistently measure performance from period to period. In 2017, ALLO had negative EBITDA of $9 million, compared with negative EBITDA of $2 million for 2016. (1) ALLO stands out from other telecommunications providers because of its superior network and technology and hassle-free customer service. In 2004, ALLO began creating gigabit communities (offering internet speeds of 1 GIG or more) by overbuilding rural Nebraska communities with an all-fiber optic network. These ubiquitous fiber networks provide communities with the fastest internet speeds, unmatched broadband, and superior video and telephone services to meet the bandwidth demands of residents and businesses. Fiber sets ALLO apart from the competition. As cloud computing, streaming services, and the internet of things have become conventional, the need for internet speed and bandwidth is almost insatiable. The fiber light signal moves faster, carries more data, maintains speed over long distances, and is less susceptible to interference from things such as power lines. These capabilities dramatically improve how a community’s businesses, schools, and medical offices operate, as well as how people live and communicate, impacting a community’s growth and ability to be economically vibrant. our FACTS commerce solution for the Australian market and moving from a beta client user base to a full market launch to all private K-12 institutions. We expect to grow in the coming years in K-12 education in Australia as the FACTS brand and product solution are accepted by the market. We are pleased with the consistent performance of NBS and expect our revenue and earnings to continue to grow. We are proud of our investment in the vitality of our industry and look forward to continuing our leading role as an advocate for education nationally. (1) Earnings (loss) before interest, income taxes, depreciation, and amortization ("EBITDA") is a supplemental non-GAAP performance measure that is frequently used in capital-intensive industries such as telecommunications. EBITDA excludes interest and income taxes because these items are associated with a company's particular capitalization and tax structures. EBITDA also excludes depreciation and amortization expense because these non-cash expenses primarily reflect the impact of historical capital investments, as opposed to the cash impacts of capital expenditures made in recent periods, which may be evaluated through cash flow measures. The company reports EBITDA for ALLO because the company believes that it provides useful additional information for investors regarding a key metric used by management to assess ALLO's performance. There are limitations to using EBITDA as a performance measure, including the difficulty associated with comparing companies that use similar performance measures whose calculations may differ from ALLO's calculations. In addition, EBITDA should not be considered a substitute for other measures of financial performance, such as net income or any other performance measures derived in accordance with GAAP. A reconciliation of EBITDA from ALLO’s net loss under GAAP can be found in the company's Annual Report on Form 10-K for the year ended December 31, 2017, filed with the Securities and Exchange Commission on February 27, 2018.

 
2017 Letter to Shareholders | Page 7 The number of households ALLO served as of December 31, 2017, was 20,428, an increase of 10,614, or more than 100 percent, from the number of households served as of December 31, 2016. ALLO has also significantly increased the number of households that are passed by its network and are either in service or readily capable of being served to 71,426 as of December 31, 2017, compared with 30,962 as of December 31, 2016. ALLO has invested significantly in its fiber network, primarily in Lincoln, Nebraska, with capital expenditures of $39 million and $115 million in 2016 and 2017, respectively. The company currently anticipates total network expenditures of approximately $75 million in 2018, which will substantially complete passing Lincoln’s businesses and consumers. In 2017, ALLO directionally bored more than 3 million feet and installed over 1,100 miles of fiber optic cable. In the fourth quarter of 2017, ALLO announced plans to develop Hastings, Nebraska and Fort Morgan, Colorado, which will increase total households available in ALLO’s current markets from 137,500 to over 152,000. ALLO plans to continue expansion to additional communities in Nebraska and Colorado over the next several years. Fort Morgan’s unique model has the city funding and managing construction of the all-fiber network passing all businesses and homes in the market. ALLO will lease and operate the network to serve subscribers. In Hastings, ALLO purchased the fiber network and business customer contracts of Glenwood Telecommunications at the end of the year, providing a head start in building out the rest of the community. // Asset Generation and Management and Investment Advisory Services As expected, our portfolio continues to amortize. Our FFEL Program, private education, and consumer loan portfolios totaled $24.9 billion at the end of 2016, dropping to $21.8 billion at the end of 2017. It was one of the lightest years in our corporate history on the FFEL Program loan acquisition front. We acquired $255 million of FFEL Program loans. Over the course of 2017, we issued $1.5 billion in FFEL Program loan asset- backed securities, creating new residuals that we expect to return $150 million in cash flow over the course of their lives. In 2017, we began to acquire unsecured consumer loans as we made investments to strengthen our credit expertise and increase our servicing footprint in the FinTech space. We ended the year with more than $62 million of personal loan investments on our balance sheet. Essentially, we are growing our experience to validate our assumptions on loan performance. Often overlooked in Nelnet’s business holdings is our registered investment advisor, Whitetail Rock, which had a very strong year in 2017. As of year-end, Whitetail had $874 million in assets under management for third parties, primarily invested in student loan asset-backed securities, an area where we have substantial experience. For managing the portfolio, Whitetail earned $2.6 million in management fees. As spread markets tightened, Whitetail traded almost $1.3 billion (purchased $628 million and sold $661 million) for its clients generating $10.1 million in performance fees for their stellar performance. While management fees should be relatively stable in 2018, trading conditions are currently more difficult and performance fees could be limited in future years.

 
2017 Letter to Shareholders | Page 8 // Divestiture of Peterson’s Publishing Peterson’s Publishing’s primary products are test preparation books and services, and we strived for years to couple their national brand with our ability to help students plan and pay for their higher education. However, as a result of rapid changes in the publishing industry and the discontinuation of new FFEL Program loan originations, we finally decided that Peterson’s no longer fit with our future plans for Nelnet, and a divestment at year-end worked out well with the changes to the tax laws. We wish the best of luck to the Peterson’s associates and their new owners and thank everyone for their hard work completing the transaction. // Hudl Investment Since 2010, Nelnet has invested significantly in Hudl, a sports software company revolutionizing how teams around the world analyze game and practice film. In 2010, we invested $100,000; in 2014, we invested $726,000; in 2015, we invested $40.6 million; and in 2017, we invested $10.4 million. Our investments in Hudl total $51.8 million to date. Hudl continues to be an amazing growth story and our confidence in the company’s products, business plan, and management team only continues to grow. In November 2017, the company moved into its new global headquarters in Lincoln, Nebraska, which is now home to more than 350 “Hudlies.” In total, the company has grown to more than 1,000 associates across 15 countries. Hudl now boasts more than 4.2 million active users and more than 160,000 active teams across more than 30 sports. In United States high school football, where Hudl got its start, over 98 percent of schools pay for a Hudl subscription and actively use the service to analyze their practice, game, and opponent scout film, to find teachable moments to improve, and to build highlights to showcase their best moments. More than 4,000 high schools use Hudl’s Sideline product to do that same video analysis live during the game, technology that is not yet allowed in the NCAA or NFL. Hudl's Recruit product is used by over 95 percent of NCAA Division I football teams to find and evaluate prospective players. Hudl products are used by more than 41,000 active United States high school and club basketball teams, representing just over 60 percent of the high school market but only a small fraction of the club basketball opportunity. In addition, 29 of the 30 NBA teams and over 70 percent of NCAA Division I men’s and women’s basketball teams use a Hudl product. The company has also seen big growth in United States high school and club soccer (more than 17,000 active teams) and lacrosse (more than 6,000 active teams). In December, Hudl announced that it acquired VolleyMetrics, the global leader in video and analysis tools in collegiate and professional volleyball. With the VolleyMetrics addition, Hudl now serves more than 11,000 teams across United States high schools and clubs, over 70 percent of NCAA Division I men’s and women’s volleyball teams, and more than 10 professional leagues around the world. Globally, Hudl serves more than 3,000 teams spanning top collegiate and professional organizations. This includes all 20 English Premier League teams, all 18 Australian Football League teams, and 18 Chinese Basketball Association teams.

 
2017 Letter to Shareholders | Page 9 Brands like Gatorade, Nike, and T-Mobile have taken notice of Hudl’s highly-coveted user base and have partnered with the company to advertise and create deeper brand integrations within the product. Hudl will continue to grow its paid team subscriptions across all levels in 2018 and will enhance its advertising offering to brands interested in connecting with its global user base. Hudl is a long-term investment for us, and we remain very bullish about the future of the company. // Our Future As I have discussed in prior shareholder letters, Nelnet has been profitable every year since we went public in December 2003. Since that time, we have paid cumulatively almost $1.4 billion in federal and state taxes, with an annual effective tax rate ranging from 35 to 38 percent. The Tax Cuts and Jobs Act, signed into law on December 22, 2017, changes existing United States tax law and includes numerous provisions that affect businesses, including Nelnet. The act, for instance, introduces changes that impact United States corporate tax rates, business- related exclusions, and deductions and credits. What does the impact of this legislation mean for Nelnet? • We accelerated over $14 million of expenses into 2017 to maximize deductions, including sharing over $4 million in bonuses with our front-line associates in the fourth quarter of 2017. • The company re-measured its deferred tax liabilities and deferred tax assets upon enactment of the act in 2017, resulting in a decrease to income tax expense (and an increase to net income) of $19 million. • We expect our future effective tax rate, beginning in 2018, will be 23 to 24 percent, versus a historical rate ranging from 35 to 38 percent. The impacts of tax reform are not only positive for Nelnet; we believe the impacts will be substantial and positive for the United States economy. Nelnet will use the additional earnings from the lower tax rate to invest in current and future business opportunities, increasing shareholder value. Reinvesting these profits into our business will provide ongoing opportunities for existing and new Nelnet associates. Each year, we believe it is important to share Nelnet’s “fair value approach” with our shareholders. We feel it is a fundamental component to existing and potential shareholders’ understanding of how we lead our company and where it is going in the future. It is our goal for each Nelnet shareholder to record a gain or loss in market value proportional to the gain or loss in per-share fundamental value recorded by the company. To achieve this goal, we strive to maintain a one-to-one relationship between the company’s fundamental value and the market price. As that implies, we would rather see Nelnet’s stock price at a fair level than at an artificial level. Our fair value approach may not be preferred by all investors, but we believe it aligns with Nelnet’s long-term approach to both our business model and market value.

 
2017 Letter to Shareholders | Page 10 Nelnet’s Corporate Performance (Annual Percentage Change) Nelnet Per Share Book Value With Dividends Included Nelnet Per Share Market Value With Dividends Included S&P 500 With Dividends Included 2004 49.2% 20.2% 10.9% 2005 41.5% 51.1% 4.9% 2006 6.3% (32.7)% 15.8% 2007 (1.6)% (52.5)% 5.5% 2008 6.6% 13.3% (37.0)% 2009 21.0% 20.7% 26.5% 2010 23.7% 41.6% 15.1% 2011 22.6% 4.9% 2.1% 2012 16.7% 27.5% 16.0% 2013 26.1% 42.8% 32.4% 2014 21.1% 10.9% 13.7% 2015 16.0% (26.6%) 1.4% 2016 15.4% 52.7% 12.0% 2017 8.8% 9.1% 21.8% CAGR 18.9% 7.9% 8.7% In 2018, our primary focuses will be continuing to improve customer experiences in all of our businesses; deploying fiber to additional homes and businesses in our markets; integrating with Great Lakes in our servicing business; positioning ourselves to provide a state-of-the-art, next generation servicing system to our clients; adding more consumer and private education loans to our balance sheet; bringing new clients onto our payment processing systems; hiring, retaining, and energizing our associates; and investing our capital wisely. In a world of so much unpredictability, we recognize that it is more important than ever before to stay focused on our Core Values. Though there will always be factors out of our control, experience has taught us that if we support our associates and live out our values, success comes naturally. We look forward to a successful year in 2018 and thank you for your continued investment in our company. Sincerely, Jeff Noordhoek, Chief Executive Officer

 
2017 Letter to Shareholders | Page 11 Forward-Looking and Cautionary Statements This letter to shareholders contains forward-looking statements within the meaning of federal securities laws. Statements about the company’s plans and expectations for future financial condition, results of operations or economic performance, or that address management’s plans and objectives for future operations, and statements that assume or are dependent upon future events, are forward-looking statements. The words “anticipate,” “believe,” “continue,” “could,” “expect,” “forecast,” “future,” “intend,” “may,” “plan,” “potential,” “should,” “would,” “will,” and similar expressions, as well as statements in future tense, are intended to identify forward-looking statements. These statements are based on management’s current expectations as of the date of this letter and are subject to known and unknown risks and uncertainties that may cause actual results or performance to differ materially from those expressed or implied by the forward-looking statements. Such risks include, but are not limited to: risks related to the company’s student loan portfolio, such as interest rate basis and repricing risk and changes in levels of student loan repayment or default rates; the use of derivatives to manage exposure to interest rate fluctuations; the uncertain nature of expected benefits from FFEL Program, private education, and consumer loan purchases and initiatives to purchase additional FFEL Program, private education, and consumer loans; financing and liquidity risks, including risks of changes in the securitization and other financing markets for student loans; the uncertain nature of the expected benefits from the acquisition of Great Lakes and the ability to successfully integrate technology, shared services, and other activities and successfully maintain and increase allocated volumes of student loans serviced under existing and any future servicing contracts with the Department; risks to the company related to the Department’s initiative to procure new contracts for federal student loan servicing, including the risk that the company on a post-Great-Lakes-acquisition basis may not be awarded a contract; risks related to the development by the company and Great Lakes of a new student loan servicing platform, including risks as to whether the expected benefits from the new platform will be realized; risks and uncertainties from changes in the educational credit and services marketplace resulting from changes in applicable laws, regulations, and government programs and budgets, such as the expected decline over time in FFEL Program loan interest income and fee-based revenues due to the discontinuation of new FFEL Program loan originations in 2010 and the resulting initiatives by the company to adjust to a post-FFEL Program environment; the uncertain nature of the expected benefits from the acquisition of ALLO and the ability to successfully integrate its telecommunications operations and successfully expand its fiber network in existing service areas and additional communities and manage related construction risks; risks and uncertainties related to initiatives to pursue additional strategic investments and acquisitions, including investments and acquisitions that are intended to diversify the company both within and outside of its historical core education-related businesses; and changes in general economic and credit market conditions. For more information, see the “Risk Factors” sections and other cautionary discussions of risks and uncertainties included in documents filed or furnished by the company with the Securities and Exchange Commission (SEC), including the most recent Form 10-K filed by the company with the SEC. All forward-looking statements in this letter are as of the date of this letter. Although the company may voluntarily update or revise its forward-looking statements from time to time to reflect actual results or changes in the company’s expectations, the company disclaims any commitment to do so except as required by securities laws.

 
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