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Open Lending Corp（LPRO）与NELNET INC（NNI）财务数据对比。点击上方公司名可切换其他公司
NELNET INC的季度营收约是Open Lending Corp的5.5倍（$107.1M vs $19.3M）。Open Lending Corp同比增速更快（134.0% vs 33.8%）。过去两年NELNET INC的营收复合增速更高（20.1% vs -13.8%）
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Nelnet（耐尔奈特）是总部位于美国内布拉斯加州林肯市的综合性企业集团，核心业务涵盖金融服务领域，主营学生贷款、消费贷款的发放与服务，同时设有投资板块与互联网银行，还持有有线电视及网络服务商Allo Fiber 26%的股权。
LPRO vs NNI — 直观对比
营收规模更大
NNI
是对方的5.5倍
$19.3M
营收增速更快
LPRO
高出100.2%
33.8%
两年增速更快
NNI
近两年复合增速
-13.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $19.3M | $107.1M |
| 净利润 | — | $57.8M |
| 毛利率 | 76.0% | 50.5% |
| 营业利润率 | 3.9% | — |
| 净利率 | — | 53.9% |
| 营收同比 | 134.0% | 33.8% |
| 净利润同比 | — | -8.8% |
| 每股收益（稀释后） | $-0.00 | $1.62 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收LPRONNI
| Q4 25 | $19.3M | $107.1M | ||
| Q3 25 | $24.2M | $85.3M | ||
| Q2 25 | $25.3M | $79.4M | ||
| Q1 25 | $24.4M | $82.7M | ||
| Q4 24 | $-56.9M | $80.1M | ||
| Q3 24 | $23.5M | $72.2M | ||
| Q2 24 | — | $66.4M | ||
| Q1 24 | — | $74.2M |
净利润LPRONNI
| Q4 25 | — | $57.8M | ||
| Q3 25 | $-7.6M | $106.7M | ||
| Q2 25 | $1.0M | $181.5M | ||
| Q1 25 | $617.0K | $82.6M | ||
| Q4 24 | — | $63.4M | ||
| Q3 24 | $1.4M | $2.4M | ||
| Q2 24 | — | $45.1M | ||
| Q1 24 | — | $73.2M |
毛利率LPRONNI
| Q4 25 | 76.0% | 50.5% | ||
| Q3 25 | 78.0% | 29.6% | ||
| Q2 25 | 78.2% | 29.8% | ||
| Q1 25 | 75.1% | 30.5% | ||
| Q4 24 | 111.0% | 13.7% | ||
| Q3 24 | 73.9% | 0.1% | ||
| Q2 24 | — | 27.3% | ||
| Q1 24 | — | 15.3% |
营业利润率LPRONNI
| Q4 25 | 3.9% | — | ||
| Q3 25 | -31.9% | — | ||
| Q2 25 | 4.6% | — | ||
| Q1 25 | 3.1% | — | ||
| Q4 24 | 138.0% | 97.7% | ||
| Q3 24 | 7.9% | -3.1% | ||
| Q2 24 | — | 88.0% | ||
| Q1 24 | — | — |
净利率LPRONNI
| Q4 25 | — | 53.9% | ||
| Q3 25 | -31.3% | 125.1% | ||
| Q2 25 | 4.1% | 228.4% | ||
| Q1 25 | 2.5% | 99.8% | ||
| Q4 24 | — | 79.1% | ||
| Q3 24 | 6.1% | 3.3% | ||
| Q2 24 | — | 67.9% | ||
| Q1 24 | — | 98.6% |
每股收益（稀释后）LPRONNI
| Q4 25 | $-0.00 | $1.62 | ||
| Q3 25 | $-0.06 | $2.94 | ||
| Q2 25 | $0.01 | $4.97 | ||
| Q1 25 | $0.01 | $2.26 | ||
| Q4 24 | $-1.20 | $1.75 | ||
| Q3 24 | $0.01 | $0.07 | ||
| Q2 24 | — | $1.23 | ||
| Q1 24 | — | $1.97 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $176.6M | $296.0M |
| 总债务越低越好 | $84.8M | $7.8B |
| 股东权益账面价值 | $75.0M | $3.7B |
| 总资产 | $236.7M | $14.1B |
| 负债/权益比越低杠杆越低 | 1.13× | 2.11× |
8季度趋势，按日历期对齐
现金及短期投资LPRONNI
| Q4 25 | $176.6M | $296.0M | ||
| Q3 25 | $222.1M | $216.4M | ||
| Q2 25 | $230.7M | $225.8M | ||
| Q1 25 | $236.2M | $220.5M | ||
| Q4 24 | $243.2M | $194.5M | ||
| Q3 24 | $250.2M | $219.7M | ||
| Q2 24 | — | $145.5M | ||
| Q1 24 | — | $179.7M |
总债务LPRONNI
| Q4 25 | $84.8M | $7.8B | ||
| Q3 25 | $134.4M | $7.8B | ||
| Q2 25 | $136.1M | $7.9B | ||
| Q1 25 | $137.9M | $8.7B | ||
| Q4 24 | $139.7M | $8.3B | ||
| Q3 24 | $141.5M | $8.9B | ||
| Q2 24 | — | $9.6B | ||
| Q1 24 | — | $10.6B |
股东权益LPRONNI
| Q4 25 | $75.0M | $3.7B | ||
| Q3 25 | $72.8M | $3.7B | ||
| Q2 25 | $78.9M | $3.6B | ||
| Q1 25 | $79.8M | $3.4B | ||
| Q4 24 | $78.1M | $3.3B | ||
| Q3 24 | $220.5M | $3.3B | ||
| Q2 24 | — | $3.3B | ||
| Q1 24 | — | $3.3B |
总资产LPRONNI
| Q4 25 | $236.7M | $14.1B | ||
| Q3 25 | $287.7M | $13.9B | ||
| Q2 25 | $296.7M | $13.7B | ||
| Q1 25 | $304.2M | $14.2B | ||
| Q4 24 | $296.4M | $13.8B | ||
| Q3 24 | $395.7M | $14.1B | ||
| Q2 24 | — | $14.5B | ||
| Q1 24 | — | $15.4B |
负债/权益比LPRONNI
| Q4 25 | 1.13× | 2.11× | ||
| Q3 25 | 1.84× | 2.14× | ||
| Q2 25 | 1.72× | 2.21× | ||
| Q1 25 | 1.73× | 2.53× | ||
| Q4 24 | 1.79× | 2.48× | ||
| Q3 24 | 0.64× | 2.72× | ||
| Q2 24 | — | 2.90× | ||
| Q1 24 | — | 3.20× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $5.5M | $137.6M |
| 自由现金流经营现金流 - 资本支出 | — | $130.1M |
| 自由现金流率自由现金流/营收 | — | 121.5% |
| 资本支出强度资本支出/营收 | 0.0% | 7.0% |
| 现金转化率经营现金流/净利润 | — | 2.38× |
| 过去12个月自由现金流最近4个季度 | — | $396.7M |
8季度趋势，按日历期对齐
经营现金流LPRONNI
| Q4 25 | $5.5M | $137.6M | ||
| Q3 25 | $-5.7M | $112.4M | ||
| Q2 25 | $848.0K | $81.8M | ||
| Q1 25 | $-3.8M | $91.2M | ||
| Q4 24 | $-3.4M | $180.5M | ||
| Q3 24 | $11.4M | $137.0M | ||
| Q2 24 | — | $133.4M | ||
| Q1 24 | — | $211.9M |
自由现金流LPRONNI
| Q4 25 | — | $130.1M | ||
| Q3 25 | — | $100.8M | ||
| Q2 25 | $837.0K | $78.1M | ||
| Q1 25 | $-3.9M | $87.8M | ||
| Q4 24 | $-3.4M | $163.2M | ||
| Q3 24 | $11.3M | $132.6M | ||
| Q2 24 | — | $122.8M | ||
| Q1 24 | — | $188.7M |
自由现金流率LPRONNI
| Q4 25 | — | 121.5% | ||
| Q3 25 | — | 118.2% | ||
| Q2 25 | 3.3% | 98.3% | ||
| Q1 25 | -15.9% | 106.1% | ||
| Q4 24 | 5.9% | 203.7% | ||
| Q3 24 | 48.0% | 183.8% | ||
| Q2 24 | — | 184.9% | ||
| Q1 24 | — | 254.2% |
资本支出强度LPRONNI
| Q4 25 | 0.0% | 7.0% | ||
| Q3 25 | 0.0% | 13.7% | ||
| Q2 25 | 0.0% | 4.7% | ||
| Q1 25 | 0.2% | 4.1% | ||
| Q4 24 | -0.0% | 21.7% | ||
| Q3 24 | 0.5% | 6.2% | ||
| Q2 24 | — | 16.0% | ||
| Q1 24 | — | 31.3% |
现金转化率LPRONNI
| Q4 25 | — | 2.38× | ||
| Q3 25 | — | 1.05× | ||
| Q2 25 | 0.82× | 0.45× | ||
| Q1 25 | -6.22× | 1.10× | ||
| Q4 24 | — | 2.85× | ||
| Q3 24 | 7.92× | 57.39× | ||
| Q2 24 | — | 2.96× | ||
| Q1 24 | — | 2.89× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
LPRO
暂无分部数据
NNI
| Reinsurance Premiums Earned | $33.5M | 31% |
| Tuition Payment Plan Services | $32.2M | 30% |
| Private Education And Consumer Loan Servicing | $24.8M | 23% |
| Software Services | $11.4M | 11% |
| Solar Construction Revenue | $3.4M | 3% |
| Investment Advice | $1.4M | 1% |
