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Upturn AI Summary - About
Nelnet Inc(NNI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NNI
09/25/2026: NNI (1-star) is currently NOT-A-BUY. Pass it for now.
Nelnet Inc is a diversified financial services and technology company known for its significant position in U.S. student loan servicing and K-12 education software. Its business model relies on the steady cash flow of legacy servicing operations while expanding into higher-growth areas like renewable energy and payment technology. The primary investment story centers on its unique ability to manage a complex, multi-sector portfolio that provides long-term value. Key risks include heavy dependence on federal policy changes in student lending and competitive pressure in the ed-tech space. The stock may suit value-oriented investors who appreciate a diversified asset base, though they should monitor regulatory shifts and the firm’s continued execution in newer growth markets.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The business has steady growth segments but is anchored by mature, regulated business lines. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and longer-term value-based performance patterns. |
| Value investor | Strong fit | The company is often viewed as a holding company with diversified assets that may be undervalued relative to their combined worth. |
| Dividend investor | Mixed fit | The dividend is reliable but modest, reflecting a strategy focused on capital reinvestment. |
| Low-risk investor | Mixed fit | Regulatory risks inherent in student loan servicing provide a layer of policy uncertainty. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can react to legislative changes affecting student loans. |
| Valuation risk | Low | The company has a history of prudent capital allocation and asset management. |
| Competition risk (ed-tech) | Medium / high | Software competitors are constantly innovating in the school management space. |
| Business quality | Strong | Nelnet has built a diverse, cash-generative business model over several decades. |
| Dividend income | Low | Income is not the primary driver for total return for this stock. |
| Execution risk | Medium | Integration of new businesses and management of solar projects requires operational discipline. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -5.3% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.45B USD | Price to earnings Ratio 14.87 | 1Y Target Price 130 |
Price to earnings Ratio 14.87 | 1Y Target Price 130 | ||
Volume (30-day avg) 145.4K shares | Beta 0.76 | 52 Weeks Range 116.02 - 143.64 | Updated Date 09/25/2026 |
52 Weeks Range 116.02 - 143.64 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 1.03% | Basic EPS (TTM) 8.36 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Loan Servicing | Servicing student loans for the Department of Education. | Steady fee-based income from managing existing loan portfolios. |
| Nelnet Business Services | FACTS platform and payment processing for schools. | Software-as-a-service model provides reliable recurring revenue. |
| Renewable Energy | Solar project development and tax equity. | Capitalizes on tax incentives for long-term project growth. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14.87 | Forward PE 13.05 | Enterprise Value 11.18B | Price to Sales(TTM) 2.99 |
Enterprise Value 11.18B | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 8.02 | Enterprise Value to EBITDA - | Shares Outstanding 25.16M | Shares Floating 16.10M |
Shares Outstanding 25.16M | Shares Floating 16.10M | ||
Percent Insiders 30.9 | Percent Institutions 49 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Nelnet Inc
Exchange NYSE | Headquarters Lincoln, NE, United States | ||
IPO Launch date 2003-12-11 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 5744 | Website https://www.nelnet.com |
Full time employees 5744 | Website https://www.nelnet.com | ||
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.
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