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Nelnet, Inc. Class A (NNI)
Price$136.53
Favorite Metrics
Price vs S&P 500 (26W)1.90%
Price vs S&P 500 (4W)1.81%
Market Capitalization$4.93B
P/E Ratio (Annual)11.50x
Indicated Dividend Yield (Annual)0.97%
All Metrics
P/CF (Annual)11.65x
Book Value / Share (Quarterly)$102.74
P/TBV (Annual)1.31x
Indicated Dividend (Annual)$1.20
Revenue Growth (3Y)0.12%
Cash Flow / Share (Quarterly)$11.06
Payout Ratio (TTM)10.03%
Price vs S&P 500 (YTD)-0.03%
Gross Margin (TTM)63.53%
Net Profit Margin (TTM)21.61%
EPS (TTM)$11.78
10-Day Avg Trading Volume0.14M
EPS Excl Extra (TTM)$11.78
Revenue Growth (5Y)7.13%
EPS (Annual)$11.79
Dividend / Share (Annual)$1.19
ROI (Annual)3.26%
Gross Margin (Annual)63.53%
Net Profit Margin (5Y Avg)16.61%
Cash / Share (Quarterly)$8.25
P/E Basic Excl Extra (TTM)11.50x
Revenue Growth QoQ (YoY)-11.75%
EPS Growth (5Y)5.52%
P/E Normalized (Annual)11.50x
ROA (Last FY)3.05%
Revenue Growth TTM (YoY)-4.59%
EBITD / Share (TTM)$14.20
ROE (5Y Avg)9.19%
Operating Margin (TTM)26.54%
Cash Flow / Share (Annual)$11.06
P/B Ratio1.34x
P/B Ratio (Quarterly)1.30x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)7.10x
Net Interest Coverage (TTM)12.35x
ROA (TTM)3.07%
EPS Growth QoQ (YoY)-7.59%
EV / EBITDA (TTM)27.28x
EPS Incl Extra (Annual)$11.79
Current Ratio (Annual)0.23x
Quick Ratio (Quarterly)0.23x
3-Month Avg Trading Volume0.13M
52-Week Price Return29.69%
EV / Free Cash Flow (Annual)35.50x
P/E Incl Extra (TTM)11.50x
Revenue / Employee (TTM)$0
Tangible BV / Share (Quarterly)$101.92
P/S Ratio (Annual)2.49x
Asset Turnover (Annual)0.14x
52-Week High$142.87
Operating Margin (5Y Avg)20.39%
EPS Excl Extra (Annual)$11.79
CapEx CAGR (5Y)-25.37%
Tangible BV CAGR (5Y)7.42%
26-Week Price Return5.88%
Quick Ratio (Annual)0.23x
13-Week Price Return-0.50%
Total Debt / Equity (Annual)2.56x
Current Ratio (Quarterly)0.23x
Enterprise Value$14,082.858
Revenue / Share Growth (5Y)8.71%
Asset Turnover (TTM)0.14x
Book Value / Share Growth (5Y)8.20%
Revenue / Employee (Annual)$0
Pretax Margin (Annual)26.54%
Cash / Share (Annual)$8.25
3-Month Return Std Dev19.97%
Gross Margin (5Y Avg)63.74%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)-0.59%
EBITDA Interim CAGR (5Y)-26.72%
ROE (Last FY)11.63%
EPS Basic Excl Extra (Annual)$11.79
P/FCF (TTM)12.42x
Receivables Turnover (TTM)11.22x
EV / Free Cash Flow (TTM)35.50x
Total Debt / Equity (Quarterly)2.56x
EPS Incl Extra (TTM)$11.78
Receivables Turnover (Annual)11.22x
ROI (TTM)3.27%
Dividend Growth Rate (5Y)7.88%
P/S Ratio (TTM)2.49x
Pretax Margin (5Y Avg)20.39%
Revenue / Share (Annual)$54.57
Tangible BV / Share (Annual)$101.92
Forward P/E14.84x
Free OCF CAGR (5Y)31.87%
Price vs S&P 500 (52W)-0.14%
P/E Ratio (TTM)11.50x
EPS Growth TTM (YoY)67.27%
Year-to-Date Return2.61%
5-Day Price Return2.73%
EPS Normalized (Annual)$11.79
ROA (5Y Avg)1.77%
Net Profit Margin (Annual)21.61%
Month-to-Date Return5.79%
Cash Flow / Share (TTM)$8.12
EBITD / Share (Annual)$14.21
EPS Growth (3Y)2.86%
Operating Margin (Annual)26.54%
LT Debt / Equity (Annual)2.11x
P/CF (TTM)11.65x
ROI (5Y Avg)1.87%
P/E Excl Extra (TTM)11.50x
LT Debt / Equity (Quarterly)2.11x
EPS Basic Excl Extra (TTM)$11.78
P/TBV (Quarterly)1.31x
Payout Ratio (Annual)10.03%
P/B Ratio (Annual)1.30x
Dividend / Share (TTM)$1.19
Pretax Margin (TTM)26.54%
Book Value / Share (Annual)$102.74
Price vs S&P 500 (13W)-1.19%
Net Margin Growth (5Y)-2.93%
Dividend Yield (TTM)0.87%
Beta0.82x
P/FCF (Annual)12.42x
Revenue / Share (TTM)$54.96
ROE (TTM)11.96%
52-Week Low$102.00
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.25
2.25
2.25
2.25
Industry Peers — Personal Credit Institutions(15)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
NNINelnet, Inc. Class A | 11.50x | 11.96% | 26.54% | 7.13% | $136.53 |
AFRMAffirm Holdings, Inc. Class A Common Stock | 380.57x | 8.83% | 6.21% | 44.63% | $60.28 |
OMFOneMain Holdings, Inc. | 8.63x | 23.40% | 16.04% | 4.82% | $57.65 |
CACCCredit Acceptance Corp | 12.82x | 26.63% | 44.38% | 6.78% | $494.56 |
SLMSLM Corporation | 5.78x | 31.14% | 26.74% | 7.17% | $22.18 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 5.78x | 31.14% | 26.74% | 7.17% | $74.20 |
ENVAEnova International, Inc. | 12.72x | 24.45% | 40.35% | 21.75% | $156.11 |
BFHBread Financial Holdings, Inc. | 6.97x | 16.12% | 13.65% | 3.44% | $84.52 |
LCLendingClub Corporation | 14.14x | 9.47% | 11.38% | 2.92% | $16.60 |
ATLCAtlanticus Holdings Corporation | 8.34x | 19.92% | 18.46% | 13.90% | $66.96 |
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 8.20x | 19.92% | 18.46% | 13.90% | $24.99 |
About
Nelnet Inc is a diversified financial services company specializing in student loan servicing and management. The company operates through four segments: loan servicing systems and technology, education technology and payment solutions for K-12 and institutional clients, student and consumer loan asset acquisition and management (its primary revenue driver), and Nelnet Bank, which focuses on private education and unsecured consumer lending. Through these businesses, Nelnet provides integrated solutions spanning loan origination, servicing, technology platforms, and direct lending.