Nelnet, Inc.
NNI
NYSE·Financial Services·Financial - Credit Services·Mkt cap $4.6B
$127.31
▲ +0.03%
P/E
15.28
Mkt Cap
$4.6B
52-Wk Range
$116.62–$144.38
52-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 0.5% 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 1.6x vs Digital Payments peers. Elevated but may be justified by growth trajectory.
Growth
Stable outlook
Increasing demand for education technology solutions as K-12 schools digitize operations and expand online learning
Value
Growth premium of 1.6x vs Digital Payments peers. Elevated but may be justified by growth trajectory.
Momentum
Stable
-0.0% over 3m
Quality
Excellent
Emerging growth company (-67% revenue growth). Early stage with higher risk.
Dividend
Modest
1.04% 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: Nov 5, 2026
AUG 6, 2026
Reported EPS of $1.77 vs $2.13 consensus (-16.9% surprise). Revenue of $410.0M vs $419.9M expected (-2.4%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-16.9%
Revenue trend · last 8Q
—
+31%
+6%
+72%
+40%
+72%
+13%
-67%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$266.4M
$293.0M
$466.1M
$612.8M
$494.6M
$503.9M
$525.5M
$204.9M
Margins · last 8Q
Gross
0.0%
Operating
0.0%
Profit
32.5%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How NNI stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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