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Nelnet, Inc.NYSE:NNI Stock Report

Market Cap US$4.6b
Share Price
US$127.09
My Fair Value
US$130
2.2% undervalued intrinsic discount
1Y12.5%
7D3.1%
Portfolio Value
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Nelnet, Inc.

NYSE:NNI Stock Report

Market Cap: US$4.6b

Nelnet (NNI) Stock Overview

Engages in loan servicing, education technology services, and payment businesses worldwide. More details

NNI fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance4/6
Financial Health3/6
Dividends4/6

Rewards

Price-To-Earnings ratio (13.9x) is below the US market (19.2x)

Earnings grew by 112.7% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

Earnings have declined by 15.5% per year over past 5 years


NNI Community Fair Values

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Nelnet, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Nelnet
Historical stock prices
Current Share PriceUS$127.09
52 Week HighUS$136.17
52 Week LowUS$98.15
Beta0.87
1 Month Change-2.44%
3 Month Change9.26%
1 Year Change12.53%
3 Year Change59.18%
5 Year Change112.45%
Change since IPO482.98%

Recent News & Updates

Recent updates

Nelnet: Key Drivers Pushing Shares To New Highs

Jul 10

Nelnet (NYSE:NNI) Has Announced A Dividend Of $0.28

May 12
Nelnet (NYSE:NNI) Has Announced A Dividend Of $0.28

It May Be Possible That Nelnet, Inc.'s (NYSE:NNI) CEO Compensation Could Get Bumped Up

May 09
It May Be Possible That Nelnet, Inc.'s (NYSE:NNI) CEO Compensation Could Get Bumped Up

Nelnet: Consistent Value Creation Not Being Rewarded By The Market

Mar 16

Nelnet (NYSE:NNI) Is Paying Out A Dividend Of $0.28

Feb 03
Nelnet (NYSE:NNI) Is Paying Out A Dividend Of $0.28

Getting In Cheap On Nelnet, Inc. (NYSE:NNI) Might Be Difficult

Jan 23
Getting In Cheap On Nelnet, Inc. (NYSE:NNI) Might Be Difficult

Nelnet's (NYSE:NNI) Dividend Will Be $0.28

Nov 11
Nelnet's (NYSE:NNI) Dividend Will Be $0.28

Investors Appear Satisfied With Nelnet, Inc.'s (NYSE:NNI) Prospects

Oct 17
Investors Appear Satisfied With Nelnet, Inc.'s (NYSE:NNI) Prospects

Nelnet: Attractive Valuation At A Large Discount To Intrinsic Value

Sep 19

Why Investors Shouldn't Be Surprised By Nelnet, Inc.'s (NYSE:NNI) P/E

Jul 03
Why Investors Shouldn't Be Surprised By Nelnet, Inc.'s (NYSE:NNI) P/E

Here's Why Nelnet, Inc.'s (NYSE:NNI) CEO Compensation Is The Least Of Shareholders Concerns

May 10
Here's Why Nelnet, Inc.'s (NYSE:NNI) CEO Compensation Is The Least Of Shareholders Concerns

Nelnet: An Appealing Valuation Emerges After A Challenging 2023

May 04

Some Confidence Is Lacking In Nelnet, Inc.'s (NYSE:NNI) P/E

Jan 04
Some Confidence Is Lacking In Nelnet, Inc.'s (NYSE:NNI) P/E

Nelnet: The Compounding Conglomerate

Dec 22

Nelnet: Broad Exposure Leaves Unappealing Valuation

Aug 25

Nelnet declares $0.26 dividend

Feb 02

Nelnet to reduce workforce by 560 associates in its Diversified Services division

Jan 18

Nelnet (NYSE:NNI) Is Increasing Its Dividend To $0.26

Nov 24
Nelnet (NYSE:NNI) Is Increasing Its Dividend To $0.26

Nelnet Non-GAAP EPS of $1.73 misses by $0.02

Nov 07

Federal judge to rule on lawsuit seeking to overturn student loan forgiveness plan

Oct 12

Nelnet goes ex-dividend tomorrow

Aug 30

Nelnet Q2 Non-GAAP EPS, net interest income down Y/Y

Aug 08

Nelnet acquires solar construction firm, GRNE Solutions

Jul 05

Do Nelnet's (NYSE:NNI) Earnings Warrant Your Attention?

Mar 30
Do Nelnet's (NYSE:NNI) Earnings Warrant Your Attention?

Shareholder Returns

NNIUS Consumer FinanceUS Market
7D3.1%4.6%1.5%
1Y12.5%39.1%18.6%

Return vs Industry: NNI underperformed the US Consumer Finance industry which returned 39.1% over the past year.

Return vs Market: NNI underperformed the US Market which returned 18.6% over the past year.

Price Volatility

Is NNI's price volatile compared to industry and market?
NNI volatility
NNI Average Weekly Movement2.9%
Consumer Finance Industry Average Movement6.2%
Market Average Movement6.5%
10% most volatile stocks in US Market17.2%
10% least volatile stocks in US Market3.1%

Stable Share Price: NNI has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: NNI's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19776,739Jeff Noordhoeknelnetinc.com

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 processing, due diligence procedures, funds management reconciliation, and claim processing services.

Nelnet, Inc. Fundamentals Summary

How do Nelnet's earnings and revenue compare to its market cap?
NNI fundamental statistics
Market capUS$4.60b
Earnings (TTM)US$329.57m
Revenue (TTM)US$1.56b
13.9x
P/E Ratio
2.9x
P/S Ratio

Is NNI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NNI income statement (TTM)
RevenueUS$1.56b
Cost of RevenueUS$254.24m
Gross ProfitUS$1.31b
Other ExpensesUS$975.53m
EarningsUS$329.57m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)9.11
Gross Margin83.70%
Net Profit Margin21.13%
Debt/Equity Ratio227.0%

How did NNI perform over the long term?

See historical performance and comparison

Dividends

0.9%
Current Dividend Yield
12%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/09/21 03:18
End of Day Share Price 2025/09/19 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Nelnet, Inc. is covered by 9 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mary KaneCitigroup Inc
Moshe OrenbuchCredit Suisse
Matthew SnowlingFBR Capital Markets & Co.