Nelnet, Inc. Class A (NNI)

Price$129.16

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-11.26%

Price vs S&P 500 (4W)-12.80%

VGM Score48.63

Market Capitalization$4.69B

P/E Ratio (Annual)10.95x

Indicated Dividend Yield (Annual)1.01%

All Metrics

P/CF (Annual)11.09x

Book Value / Share (Quarterly)$103.79

P/TBV (Annual)1.31x

Indicated Dividend (Annual)$1.32

Revenue Growth (3Y)0.12%

Cash Flow / Share (Quarterly)$10.31

Payout Ratio (TTM)10.71%

Price vs S&P 500 (YTD)-12.73%

Gross Margin (TTM)64.93%

Net Profit Margin (TTM)20.83%

EPS (TTM)$11.48

10-Day Avg Trading Volume0.13M

EPS Excl Extra (TTM)$11.48

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)$6.68

P/E Basic Excl Extra (TTM)11.25x

Revenue Growth QoQ (YoY)3.85%

EPS Growth (5Y)5.52%

P/E Normalized (Annual)10.95x

ROA (Last FY)3.05%

Revenue Growth TTM (YoY)-0.60%

EBITD / Share (TTM)$14.61

ROE (5Y Avg)9.19%

Operating Margin (TTM)24.76%

Cash Flow / Share (Annual)$11.06

P/B Ratio1.26x

P/B Ratio (Quarterly)1.24x

Net Income / Employee (Annual)$74,600

EV / Revenue (TTM)6.94x

Net Interest Coverage (TTM)12.35x

ROA (TTM)2.99%

EPS Growth QoQ (YoY)-12.89%

EV / EBITDA (TTM)26.25x

EPS Incl Extra (Annual)$11.79

Current Ratio (Annual)0.23x

Quick Ratio (Quarterly)0.19x

3-Month Avg Trading Volume0.13M

52-Week Price Return11.58%

EV / Free Cash Flow (Annual)35.02x

P/E Incl Extra (TTM)11.25x

Revenue / Employee (TTM)$348,600

Tangible BV / Share (Quarterly)$101.07

P/S Ratio (Annual)2.37x

Asset Turnover (Annual)0.14x

52-Week High$144.38

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 Return4.67%

Quick Ratio (Annual)0.23x

13-Week Price Return-0.57%

Total Debt / Equity (Annual)2.56x

Current Ratio (Quarterly)0.19x

Enterprise Value$13.90B

Revenue / Share Growth (5Y)8.71%

Asset Turnover (TTM)0.14x

Book Value / Share Growth (5Y)8.20%

Revenue / Employee (Annual)$345,300

Pretax Margin (Annual)26.54%

Cash / Share (Annual)$8.25

3-Month Return Std Dev31.91%

Gross Margin (5Y Avg)63.74%

Net Income / Employee (TTM)$72,600

EBITDA CAGR (5Y)-0.33%

EBITDA Interim CAGR (5Y)-13.78%

ROE (Last FY)11.63%

EPS Basic Excl Extra (Annual)$11.79

P/FCF (TTM)12.66x

Receivables Turnover (TTM)12.26x

EV / Free Cash Flow (TTM)37.50x

Total Debt / Equity (Quarterly)2.53x

EPS Incl Extra (TTM)$11.48

Receivables Turnover (Annual)11.22x

ROI (TTM)3.20%

Dividend Growth Rate (5Y)7.88%

P/S Ratio (TTM)2.34x

Pretax Margin (5Y Avg)20.39%

Revenue / Share (Annual)$54.57

Tangible BV / Share (Annual)$101.92

Forward P/E15.15x

Free OCF CAGR (5Y)31.87%

Price vs S&P 500 (52W)-16.63%

P/E Ratio (TTM)11.25x

EPS Growth TTM (YoY)57.27%

Year-to-Date Return-1.80%

5-Day Price Return1.26%

EPS Normalized (Annual)$11.79

ROA (5Y Avg)1.77%

Net Profit Margin (Annual)21.61%

Month-to-Date Return-7.85%

Cash Flow / Share (TTM)$8.12

EBITD / Share (Annual)$15.41

EPS Growth (3Y)2.86%

Operating Margin (Annual)26.54%

LT Debt / Equity (Annual)2.11x

P/CF (TTM)11.59x

ROI (5Y Avg)1.87%

P/E Excl Extra (TTM)11.25x

LT Debt / Equity (Quarterly)2.06x

EPS Basic Excl Extra (TTM)$11.48

P/TBV (Quarterly)1.28x

Payout Ratio (Annual)10.03%

P/B Ratio (Annual)1.30x

Dividend / Share (TTM)$1.24

Pretax Margin (TTM)24.76%

Book Value / Share (Annual)$102.74

Price vs S&P 500 (13W)-10.32%

Net Margin Growth (5Y)-2.93%

Dividend Yield (TTM)0.95%

Beta0.79x

P/FCF (Annual)11.83x

Revenue / Share (TTM)$55.50

ROE (TTM)11.39%

52-Week Low$112.16

vGradeC

gGradeC

mGradeC

vgmGradeC

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Earnings Surprise History

Q1 261.94est. 2.69

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

2.25

Industry Peers — Personal Credit Institutions(14)

Symbol	Value Score	Growth Score	Momentum Score	Price
NNINelnet, Inc. Class A	C	C	C	$129.16
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	A	$72.91
OMFOneMain Holdings, Inc.	B	C	C	$54.76
CACCCredit Acceptance Corp	C	C	B	$561.66
SLMSLM Corporation	C	C	C	$22.06
ENVAEnova International, Inc.	C	C	B	$164.33
BFHBread Financial Holdings, Inc.	B	C	B	$89.39
LCLendingClub Corporation	C	C	B	$18.39
ATLCAtlanticus Holdings Corporation	C	C	A	$82.61
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	C	A	$25.15
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	C	A	$25.71

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.