Nelnet Inc - Asset Resilience Ratio
Nelnet Inc (NNI) has an Asset Resilience Ratio of 10.13% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check strategic asset allocation of Nelnet Inc to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how Nelnet Inc's Asset Resilience Ratio has changed over time. See Nelnet Inc (NNI) net asset quality to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Nelnet Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see NNI market cap.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $295.98 Million | 2.1% |
| Short-term Investments | $1.13 Billion | 8.03% |
| Total Liquid Assets | $1.43 Billion | 10.13% |
Asset Resilience Insights
- Moderate Liquidity: Nelnet Inc has 10.13% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Nelnet Inc Industry Peers by Asset Resilience Ratio
Compare Nelnet Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Credit Acceptance Corporation
NASDAQ:CACC |
Credit Services | 1.26% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
CREDITACCESS GRAMEEN LIMITED
NSE:CREDITACC |
Credit Services | 3.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
BFI Finance Indonesia Tbk
JK:BFIN |
Credit Services | 1.84% |
|
IndoStar Capital Finance Limited
NSE:INDOSTAR |
Credit Services | 2.88% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
Annual Asset Resilience Ratio for Nelnet Inc (2001–2025)
The table below shows the annual Asset Resilience Ratio data for Nelnet Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 10.13% | $1.43 Billion | $14.06 Billion | +1.58pp |
| 2024-12-31 | 8.55% | $1.18 Billion | $13.78 Billion | +1.93pp |
| 2023-12-31 | 6.62% | $1.11 Billion | $16.71 Billion | -4.89pp |
| 2022-12-31 | 11.51% | $2.23 Billion | $19.37 Billion | +6.64pp |
| 2021-12-31 | 4.87% | $1.06 Billion | $21.68 Billion | +2.79pp |
| 2020-12-31 | 2.07% | $469.86 Million | $22.65 Billion | +1.29pp |
| 2019-12-31 | 0.79% | $186.61 Million | $23.71 Billion | +0.10pp |
| 2018-12-31 | 0.69% | $174.39 Million | $25.22 Billion | +0.09pp |
| 2017-12-31 | 0.60% | $143.73 Million | $23.96 Billion | -0.04pp |
| 2016-12-31 | 0.64% | $173.55 Million | $27.18 Billion | +0.17pp |
| 2015-12-31 | 0.47% | $142.01 Million | $30.49 Billion | 0.00pp |
| 2014-12-31 | 0.47% | $141.29 Million | $30.10 Billion | -0.18pp |
| 2013-12-31 | 0.65% | $181.08 Million | $27.77 Billion | +0.38pp |
| 2012-12-31 | 0.27% | $72.85 Million | $26.61 Billion | -2.10pp |
| 2011-12-31 | 2.38% | $614.32 Million | $25.85 Billion | -0.55pp |
| 2010-12-31 | 2.92% | $757.28 Million | $25.89 Billion | +4.18pp |
| 2009-12-31 | -1.26% | $-325.88 Million | $25.88 Billion | -5.42pp |
| 2008-12-31 | 4.16% | $1.16 Billion | $27.85 Billion | +0.99pp |
| 2007-12-31 | 3.17% | $923.87 Million | $29.16 Billion | -2.59pp |
| 2006-12-31 | 5.76% | $1.54 Billion | $26.80 Billion | +5.05pp |
| 2005-12-31 | 0.70% | $160.48 Million | $22.80 Billion | -5.77pp |
| 2004-12-31 | 6.47% | $981.14 Million | $15.16 Billion | -0.03pp |
| 2003-12-31 | 6.50% | $776.10 Million | $11.93 Billion | -0.69pp |
| 2002-12-31 | 7.20% | $703.08 Million | $9.77 Billion | +3.76pp |
| 2001-12-31 | 3.44% | $279.45 Million | $8.13 Billion | -- |
About Nelnet Inc
Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide. The company operates through four segments: Loan Servicing and Systems, Education Technology Services and Payments, Asset Generation and Management, and Nelnet Bank. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer, payment pro… Read more