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Upturn AI SWOT - About
NNI 
Nelnet Inc (NNI)
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Upturn Advisory Summary
08/14/2025: 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 11.26% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.59B USD | Price to earnings Ratio 14.05 | 1Y Target Price 130 |
Price to earnings Ratio 14.05 | 1Y Target Price 130 | ||
Volume (30-day avg) 1 | Beta 0.9 | 52 Weeks Range 97.91 - 130.41 | Updated Date 08/15/2025 |
52 Weeks Range 97.91 - 130.41 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.87% | Basic EPS (TTM) 9.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-06 | When - | Estimate 1.91 | Actual 5.05 |
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 14.05 | Forward PE 18.69 | Enterprise Value 12176922624 | Price to Sales(TTM) 2.94 |
Enterprise Value 12176922624 | Price to Sales(TTM) 2.94 | ||
Enterprise Value to Revenue 9.07 | Enterprise Value to EBITDA - | Shares Outstanding 25515200 | Shares Floating 11979673 |
Shares Outstanding 25515200 | Shares Floating 11979673 | ||
Percent Insiders 44.17 | Percent Institutions 49.46 |
Upturn AI SWOT
Nelnet Inc
Company Overview
History and Background
Nelnet Inc. was founded in 1978 as Union Financial Services, later becoming Nelnet in 1998. Initially focused on student loan servicing, it has diversified into payment processing, education technology, and fiber internet services.
Core Business Areas
- Student Loan Servicing: Nelnet services student loans on behalf of the U.S. Department of Education and other lenders. This includes billing, collection, and customer service.
- Payment Processing: Nelnet Business Solutions (NBS) provides payment solutions for schools, businesses, and other organizations.
- Education Technology: Nelnet offers educational technology solutions, including enrollment management systems and learning management systems, primarily through its FACTS Tuition Management and RenWeb businesses.
- Fiber Internet: Nelnet provides fiber internet services through its Allo Communications subsidiary, operating in several communities.
- Investment: Nelnet makes strategic investments in renewable energy, real estate and other sectors.
Leadership and Structure
Nelnet is led by Chairman and CEO, Jeff Noordhoek. The company has a traditional hierarchical structure with various business units reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Student Loan Servicing: Nelnet services a large portfolio of student loans. Specific market share data for federal loan servicing is not publicly available, but Nelnet is one of the major servicers. Competitors include MOHELA, Aidvantage (formerly Navient), and Great Lakes Higher Education Corporation.
- FACTS Tuition Management: FACTS is a leading provider of tuition management services for K-12 schools. Market share information is not readily available, but it is a significant player in the private school tuition management space. Competitors include Blackbaud, Smart Tuition (now part of Blackbaud).
- Allo Communications: Allo provides fiber internet, TV, and phone services in select markets. Market share varies by location. Competitors include major internet service providers like Cox Communications, CenturyLink (Lumen), and regional cable companies.
Market Dynamics
Industry Overview
The student loan servicing industry is subject to regulatory changes and economic conditions. The payment processing sector is competitive and driven by technological advancements. The education technology market is growing due to increased demand for online learning and administrative tools. The fiber internet industry is expanding as demand for high-speed internet increases.
Positioning
Nelnet is a diversified financial services and technology company with a strong presence in student loan servicing and education technology. Its competitive advantages include its established relationships with government agencies and educational institutions, its technology expertise, and its diversified revenue streams.
Total Addressable Market (TAM)
The TAM for Nelnet's combined business segments is substantial. The education technology sector alone is expected to reach hundreds of billions of dollars globally. Nelnet is positioned to capture a portion of this TAM through its various offerings.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Established relationships with government and educational institutions
- Strong technology expertise
- Experienced management team
- Strong cash flow generation
Weaknesses
- Exposure to regulatory changes in student loan servicing
- Dependence on government contracts
- Competition in payment processing and education technology
- Integration risks associated with acquisitions
Opportunities
- Expansion of education technology offerings
- Growth in fiber internet services
- Acquisitions of complementary businesses
- Increased demand for online learning
- Expansion into new markets
Threats
- Changes in government regulations
- Increased competition
- Economic downturn
- Cybersecurity risks
- Technological obsolescence
Competitors and Market Share
Key Competitors
- SLM (SLM)
- Blackbaud (BLKB)
- Lumen Technologies (LUMN)
Competitive Landscape
Nelnet benefits from its diversified revenue and long established relationships with government and education. Its competitors, especially SLM compete strongly in the student loan market.
Major Acquisitions
National Education Servicing, LLC (NES)
- Year: 2022
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded Nelnet's footprint in student loan servicing.
Granite Edvance
- Year: 2023
- Acquisition Price (USD millions):
- Strategic Rationale: Further expansion of student loan servicing capabilities.
Growth Trajectory and Initiatives
Historical Growth: Nelnet has grown through organic expansion and acquisitions. The company's growth has been driven by its diversification strategy and its focus on technology.
Future Projections: Analyst estimates for Nelnet's future growth vary depending on economic conditions and industry trends. Projections will be populated after review and validation.
Recent Initiatives: Recent initiatives include acquisitions of companies in education technology and expansion of fiber internet services.
Summary
Nelnet is a diversified financial and technology company with a solid foundation in student loan servicing and growing interests in education technology and fiber internet. Its diversification provides stability, but regulatory changes in student loans pose a risk. The company is positioned well for future growth through strategic acquisitions and technology innovation, but it should be aware of the impact of economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Nelnet Investor Relations
- SEC Filings
- Third-Party Market Research Reports
- Company press releases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change. Please consult a financial advisor 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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