Company Overview
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. This segment also offers student loan servicing software; and business process outsourcing services primarily in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels, and processing and administrative services. The Education Technology Services and Payments segment provides financial management services; school information system software; a donation platform; education technology solutions; and customized professional development and coaching, and advanced learning and educational instruction services. This segment also offers tuition payment plans, and service and technology for student billings, payments, and refunds; solutions for in-person, online, and mobile payment experiences on campus; payment processing services, such as credit card and electronic transfer; learning management system; an integrated commerce payment platform; and a school management platform that provides administrative, information and financial management, and communication functions for K-12 schools. The Asset Generation and Management segment invest, allocates an manages loan assts. The Nelnet Bank segment operates as an internet industrial bank. It also offers investment advisory, investment, and reinsurance services, as well as engages in the real estate investment; and solar engineering, procurement, and construction businesses. The company was founded in 1977 and is headquartered in Lincoln, Nebraska.
Why Investors Should Care
Trades at a P/E of 11.4, below the sector median of 13.5.
Maintains a net profit margin of 25.3%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue -7.1%, earnings -12.9%.
- 5-Year Trend Long-term compounding — profit CAGR 7.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | -7.10% |
Compounded Profit Growth
| 5 Years: | 7.28% |
| 1 Year: | -12.90% |
Stock Price Performance
| 1 Year: | +8.66% |
| 6 Months: | -3.46% |
| 3 Months: | -2.40% |
| 1 Month: | +1.08% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- Death Cross3d ago
- RSI (14)49.20 · Neutral
P/E of 11.45 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 25.3%.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NNI Nelnet, Inc. R2K | 131.71 | 11.45 | $3.33B | 0.98% | - | 10.70% | - | 7.28% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 64.77M | 70.91M | 48.95M | 83.35M | 47.96M | 26.15M | 84.29M | 98.35M | 50.03M | 28.74M | 46.30M | 48.10M | 113.92M | 49.44M | 42.93M | 21.63M | 41.59M | 24.62M | 33.21M | 42.38M | -40.53M | 86.48M | 71.50M | 234.99M | 123.60M | 83.87M | 53.14M | 186.65M | 85.13M | 104.80M | 26.49M | 27.43M | 44.35M | 73.41M | 45.09M | 2.39M | 82.56M | 181.46M | 106.68M | 71.13M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.21 | 1.86 | - | 3.20 | 2.16 | 1.38 | 4.91 | 2.26 | 2.80 | 0.71 | 0.73 | 1.18 | 1.98 | 1.23 | 0.07 | 2.26 | 4.97 | 2.94 | 1.97 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | - | - | - | - | - |
| Net Income | 139.12M | 189.03M | 204.34M | 178.00M | 302.67M | 307.61M | 267.98M | 256.75M | 173.17M | 227.91M | 141.80M | 352.44M | 393.29M | 406.90M | 89.83M | 184.04M | 428.47M |
| Diluted EPS | 2.78 | 3.81 | 4.23 | 3.74 | - | - | - | - | - | - | 3.54 | 9.02 | 10.20 | 10.82 | 2.40 | 5.02 | 11.79 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Jan 2019 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 25.89B | 25.85B | 26.61B | 27.77B | 30.03B | 30.42B | 27.19B | 23.96B | 25.22B | - | 23.71B | 22.65B | 21.68B | 19.36B | 16.71B | 13.78B | 14.06B |
| Total Equity | 643.23M | 784.56M | 906.63M | 1.07B | 1.17B | 1.44B | 1.73B | 1.88B | 2.06B | 2.15B | 2.30B | - | 2.39B | 2.63B | 2.95B | 3.20B | 3.25B | 3.35B | 3.69B |
| Cash & Equivalents | 189.85M | 338.18M | 283.80M | 42.57M | 66.03M | 63.27M | 130.48M | 63.53M | 69.65M | 66.75M | 121.35M | 120.70M | 133.91M | 121.25M | 125.56M | 118.15M | 168.11M | 194.52M | 295.98M |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 19.32B | 17.63B | 14.64B | 11.83B | 8.31B | 7.78B |
| Total Liabilities | - | - | 24.99B | 24.79B | 25.44B | 26.33B | 28.37B | 28.53B | 25.12B | 21.80B | 22.91B | - | 21.32B | 20.02B | 18.73B | 16.17B | 13.51B | 10.48B | 10.49B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 324.71M | 194.87M | 310.86M | 299.32M | 387.18M | 357.45M | 391.37M | 300.19M | 322.27M | 270.89M | 298.92M | 349.10M | 480.33M | 683.06M | 432.03M | 662.89M | 422.99M |
| Investing Cash Flow | 1.81B | -161.30M | 1.44B | -792.65M | 496.58M | -109.51M | 1.42B | 3.41B | 2.95B | -732.35M | 1.52B | 621.22M | 1.19B | 2.27B | 1.94B | 2.41B | 356.40M |
| Financing Cash Flow | -1.99B | -87.95M | -1.99B | 516.80M | -886.52M | -180.73M | -1.88B | -3.58B | -3.50B | 711.78M | -1.79B | -1.23B | -1.43B | -2.79B | -2.70B | -3.17B | -737.14M |
| Capital Expenditure | -1.20M | -12.77M | -14.17M | -9.94M | -17.01M | -26.49M | -16.76M | -67.60M | -156.00M | -125.02M | -92.50M | -113.31M | -58.95M | -59.42M | -74.05M | -20.90M | -26.24M |
| Free Cash Flow | 323.50M | 182.10M | 296.69M | 289.37M | 370.17M | 330.96M | 374.60M | 232.59M | 166.26M | 145.87M | 206.42M | 235.79M | 421.38M | 623.64M | 357.98M | 641.99M | 396.75M |
| Share Buybacks | 430.00K | 39.80M | 27.13M | 22.81M | 13.14M | 15.71M | 96.17M | 69.09M | 68.90M | 45.33M | 40.41M | 73.36M | 58.11M | 97.69M | 28.03M | 83.29M | 69.35M |
| Dividends Paid | 3.49M | 34.13M | 17.76M | 66.24M | 18.57M | 18.54M | 19.02M | 21.19M | 24.10M | 26.84M | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 17.7% | 20.9% | 19.2% | 15.3% | 21.0% | 17.8% | 14.2% | 12.5% | 8.1% | 9.9% | 5.9% | 13.4% | 13.3% | 12.7% | 2.8% | 5.5% | 11.6% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Dimensional Fund Advisors LP | 7.30% | 1.85M | $243.88M |
| 2 | Magnolia Group, LLC | 6.59% | 1.67M | $220.29M |
| 3 | Farmers & Merchants Investments Inc | 4.68% | 1.18M | $156.32M |
| 4 | Blackrock Inc. | 3.86% | 978.03K | $129.09M |
| 5 | Vanguard Portfolio Management LLC | 2.68% | 679.39K | $89.67M |
| 6 | Vanguard Capital Management LLC | 2.28% | 577.94K | $76.28M |
| 7 | Geode Capital Management, LLC | 1.37% | 346.69K | $45.76M |
| 8 | American Century Companies Inc | 1.33% | 335.70K | $44.31M |
| 9 | State Street Corporation | 1.24% | 314.98K | $41.57M |
| 10 | General American Investors Company Inc | 0.92% | 234.03K | $30.89M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NNI
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NNI — Frequently Asked Questions
What is the current share price of Nelnet, Inc. (NNI)?
As of 2026-07-15 16:51 PDT, Nelnet, Inc. (NNI) trades at $131.71 on NYSE. Its 52-week range is $118.44 to $143.87.
What is the market capitalisation of NNI?
Nelnet, Inc. (NNI) has a market capitalisation of $3.33B on NYSE.
What is the P/E ratio of NNI?
NNI trades at a trailing price-to-earnings (P/E) ratio of 11.45. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.27.
Does NNI pay a dividend?
Nelnet, Inc. (NNI) currently offers a dividend yield of 0.98%.
What is the return on equity (ROE) of NNI?
NNI has a return on equity (ROE) of 10.70%.
Is NNI a good stock to buy?
This page provides a data-driven analysis of Nelnet, Inc. (NNI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.