Skip to content
Company Analysis

Nelnet, Inc. NNI

A comprehensive view of key metrics, scores, and financial health for Nelnet, Inc.

Overview of Nelnet, Inc.

NNI NYQ
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
Nelnet, Inc. (NNI), is a Mid Cap company, in the Credit Services industry, last closed at $133.17, about 19.6% overvalued vs fair value, +6.8% 1Y return, ranked 546/1078 in sector.
Metrics P/E 11.3× Rev Growth 15.9% ROE 12.2% Div Yield 0.90%
USD 133.17
-0.66%
(Delayed)
• Vol 90d: 29.6%
52-Week Range
Market Cap
$4.74B
Enterprise Value
$12.20B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://nelnetinc.com
HQ Lincoln, NE
Employees 6,739
Fiscal year Dec 31

Next Events

Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$59
$107
$201
Current: $133.17 -20% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$851.5M
-12.5%%
Interest Expense
$496.9M
Net Interest Income
$354.5M
21%%
Total Revenue
$1.4B
15.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.4%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$112.3M
26.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Nelnet, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
27
/100
Developing
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
34
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing NNI's balance between Growth (38.8%), Profitability (26.4%), and Safety (34.8%). Growth 39% Safety 35% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

61th percentile vs peers
62
Key Signals
NII Growth YoY 21.1% 79p EPS Growth YoY 1.35 90p Equity Growth YoY 10.0% 52p Asset Growth YoY 2.1% 31p
Strengths
  • EPS Growth YoY in top 20% of peers (1.35, 90th percentile)
  • Equity/Assets in top 20% of peers (25.4%, 93th percentile)
  • Financial Leverage in top 20% of peers (3.96, 92th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Dividends/Tangible Equity in top 20% of peers (1.3%, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

41th percentile vs peers
42
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

55th percentile vs peers
55
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Nelnet, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$107.07
- - -
-19.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000