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Nelnet, Inc.
NNI
NYSE·Financial Services·Financial - Credit Services·Mkt cap $4.8B
$134.68
▼ -0.00%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$116.62 - $144.38
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 10.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Integrated ecosystem connecting education institutions, students, and financial services through proprietary software platforms
- Decades of operational expertise and established relationships with schools, financial institutions, and borrowers
- Diversified revenue streams across loan servicing, technology, communications, and banking reduce dependence on single market
- Scalable technology infrastructure and business process outsourcing capabilities with high switching costs
- Strategic asset ownership and banking operations provide capital deployment opportunities and margin expansion
Bear Case
2 risks
- Low volatility (beta 0.8).
- Growth premium of 1.4x vs Digital Payments peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Increasing demand for education technology solutions as K-12 schools digitize operations and expand online learning
Value
Growth premium of 1.4x vs Digital Payments peers. Reasonable for this growth rate.
Momentum
Stable
+4.0% over 3m
Quality
Excellent
High-growth business (64% revenue growth, 81% gross margin). Profitable with strong growth momentum.
Dividend
Modest
0.96% yield
Smart-money signal
Who's buying NNI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: May 6, 2026
MAY 7, 2026
Reported EPS of $1.94 vs $2.66 consensus (-27.1% surprise). Revenue of $419.1M vs $443.8M expected (-5.6%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-27.1%
Next: May 6, 2026
Revenue trend · last 8Q
—
—
+31%
+6%
+72%
+40%
+72%
+13%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$278.3M
$266.4M
$293.0M
$466.1M
$612.8M
$494.6M
$503.9M
$525.5M
Margins · last 8Q
Gross
—
Operating
—
Profit
13.5%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: TD Cowen · Jan 8, 2026