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Upturn AI SWOT - About
NNI 
Nelnet Inc (NNI)
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Upturn Advisory Summary
09/15/2025: NNI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $130
1 Year Target Price $130
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.97% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.50B USD | Price to earnings Ratio 13.77 | 1Y Target Price 130 |
Price to earnings Ratio 13.77 | 1Y Target Price 130 | ||
Volume (30-day avg) 1 | Beta 0.87 | 52 Weeks Range 97.68 - 136.17 | Updated Date 09/15/2025 |
52 Weeks Range 97.68 - 136.17 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 0.91% | Basic EPS (TTM) 9.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.14% | Operating Margin (TTM) 47.02% |
Management Effectiveness
Return on Assets (TTM) 2.27% | Return on Equity (TTM) 9.56% |
Valuation
Trailing PE 13.77 | Forward PE 15.75 | Enterprise Value 12091191296 | Price to Sales(TTM) 2.89 |
Enterprise Value 12091191296 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 8.93 | Enterprise Value to EBITDA - | Shares Outstanding 25515200 | Shares Floating 11999568 |
Shares Outstanding 25515200 | Shares Floating 11999568 | ||
Percent Insiders 44.1 | Percent Institutions 49.54 |
Upturn AI SWOT
Nelnet Inc
Company Overview
History and Background
Nelnet was founded in 1978 as Union Financial Services, primarily focused on student loan servicing. It later became Nelnet, expanding its services beyond student loans into payment processing, education technology, and renewable energy investments.
Core Business Areas
- Loan Servicing: Nelnet services a significant portfolio of student loans, providing administrative and collection services.
- Payment Processing: Through Nelnet Business Solutions, they offer payment processing solutions for education, government, and non-profit sectors.
- Education Technology: Nelnet provides educational services and technology solutions to schools and educational institutions.
- Investment: Nelnet makes strategic investments in renewable energy, real estate, and other ventures.
Leadership and Structure
Nelnet's leadership team includes Jeff Noordhoek (Chief Executive Officer) and Tim Thomsen (Chief Financial Officer). The company is structured into business units based on its core business areas, with corporate oversight from the executive leadership team.
Top Products and Market Share
Key Offerings
- Student Loan Servicing: Nelnet services federal and private student loans. Market share data is not publicly available in precise figures, but Nelnet is a major player in the student loan servicing industry, especially for federal loans. Competitors include MOHELA, EdFinancial Services, and Great Lakes Educational Loan Services (now part of Nelnet).
- Campus Commerce Solutions: Payment solutions for higher education institutions, including tuition payments, bookstore purchases, and other campus-related transactions. Competitors include TouchNet (Global Payments) and CashNet (Transact).
- Tuition Management: Tuition Management Systems, also known as FACTS, is tuition payment plan solutions, as well as other K-12 school needs. Competitors include Blackbaud and Smart Tuition (Finalsite)
Market Dynamics
Industry Overview
The student loan servicing industry is heavily influenced by government regulations and economic conditions. The payment processing industry is competitive, with rapid technological advancements. The education technology market is growing, driven by the need for innovative solutions in schools. The renewable energy market is expanding due to increasing environmental awareness and government incentives.
Positioning
Nelnet is positioned as a diversified financial services and technology company with a strong presence in the student loan and education sectors. Its competitive advantage lies in its established relationships with schools and government agencies, as well as its diversified business model.
Total Addressable Market (TAM)
The TAM for Nelnet's business areas is substantial. Student loan servicing is billions of dollars. Payment processing is also billions globally. Education technology is in the tens of billions. Renewable energy is a multi-trillion dollar market. Nelnet is positioned to capture a portion of each of these markets.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Established relationships with schools and government agencies
- Strong technology platform
- Experienced management team
- Proven track record in student loan servicing
Weaknesses
- Dependence on government regulations related to student loans
- Exposure to credit risk from student loans
- Competition in the payment processing industry
- Potential impact of economic downturns on student loan repayments
Opportunities
- Expansion into new education technology markets
- Growth in the renewable energy sector
- Acquisitions of smaller companies in related industries
- Increased demand for online education and payment solutions
Threats
- Changes in government regulations related to student loans
- Increased competition from other financial services and technology companies
- Economic downturns that could impact student loan repayments
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- SLM (SLM)
- Global Payments (GPN)
- Fiserv (FI)
Competitive Landscape
Nelnet's advantages include its established position in the student loan servicing industry and its diversified business model. Its disadvantages include its dependence on government regulations and competition in the payment processing industry.
Major Acquisitions
Great Lakes Educational Loan Services
- Year: 2018
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Nelnet's student loan servicing portfolio.
Growth Trajectory and Initiatives
Historical Growth: Nelnet has experienced growth through acquisitions, new product offerings, and expansion into new markets. Its growth has been consistent but not explosive.
Future Projections: Analyst estimates suggest continued growth in the coming years, driven by its diverse business model and strategic investments.
Recent Initiatives: Recent initiatives include investments in renewable energy projects, acquisitions of education technology companies, and expansion of its payment processing solutions.
Summary
Nelnet is a diversified financial services and technology company with a strong position in student loan servicing and education technology. Its diversification provides stability, but regulatory changes in student loans pose a risk. Its investment in renewable energy adds growth potential. It faces competition in payment processing and needs to manage credit risk effectively, but its overall financial health is stable.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Nelnet Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Reports (IBISWorld, etc.)
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data should be independently verified before making investment decisions.
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.
About Nelnet Inc
Exchange NYSE | Headquaters Lincoln, NE, United States | ||
IPO Launch date 2003-12-11 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 6739 | Website https://nelnetinc.com |
Full time employees 6739 | Website https://nelnetinc.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 acquires, manages, and owns loan assets. 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 incorporated in 1977 and is headquartered in Lincoln, Nebraska.
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