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Upturn AI SWOT - About
NNI 
Nelnet Inc (NNI)
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Upturn Advisory Summary
10/15/2025: 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 12.88% | Avg. Invested days 54 | 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 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.71B USD | Price to earnings Ratio 14.4 | 1Y Target Price 130 |
Price to earnings Ratio 14.4 | 1Y Target Price 130 | ||
Volume (30-day avg) 1 | Beta 0.84 | 52 Weeks Range 97.68 - 136.17 | Updated Date 10/15/2025 |
52 Weeks Range 97.68 - 136.17 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 0.87% | 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 14.4 | Forward PE 15.75 | Enterprise Value 12270251008 | Price to Sales(TTM) 3.02 |
Enterprise Value 12270251008 | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 9.14 | Enterprise Value to EBITDA - | Shares Outstanding 25515182 | Shares Floating 11999568 |
Shares Outstanding 25515182 | Shares Floating 11999568 | ||
Percent Insiders 44.1 | Percent Institutions 49.55 |
Upturn AI SWOT
Nelnet Inc
Company Overview
History and Background
Nelnet, Inc. was founded in 1978. Originally focused on student loan servicing, Nelnet has expanded into diverse business areas, including loan repayment solutions, education technology, fiber internet, and investment activities.
Core Business Areas
- Loan Servicing: Nelnet services student loans for the U.S. Department of Education and other lenders. They manage loan billing, payment processing, and borrower communication.
- Education Technology: Through Nelnet Business Solutions (NBS), Nelnet offers tuition management, payment processing, and other software solutions for K-12 schools and higher education institutions.
- Fiber Internet: Nelnet provides high-speed fiber internet services in select communities.
- Investment Activities: Nelnet makes strategic investments in diverse companies and assets.
Leadership and Structure
Nelnet is led by a board of directors and an executive management team. Michael Dunlap is the chairman and CEO. The company operates with a decentralized structure, allowing individual business units to function autonomously.
Top Products and Market Share
Key Offerings
- Student Loan Servicing: Nelnet is one of the largest student loan servicers in the U.S., handling a significant portion of federally-held student loans. Exact market share fluctuates, but it consistently ranks among the top servicers. Competitors include MOHELA, Aidvantage, and ECSI. Revenue from this segment makes up a substantial portion of their revenue.
- Tuition Management Solutions: Nelnet Business Solutions (NBS) provides tuition management software and payment processing services to schools and educational institutions. They hold a significant market share. Competitors include Blackbaud, FACTS, and Smart Tuition.
- Fiber Internet Services: Offers fiber internet to customers, growing in market share each year as they rollout to more locations. Competitors are the local ISP or local phone companies.
Market Dynamics
Industry Overview
The student loan servicing industry is heavily regulated and subject to government policies. The education technology market is growing as schools adopt digital solutions. The fiber internet market is expanding with increasing demand for high-speed internet.
Positioning
Nelnet is a diversified financial services and technology company with a strong presence in the student loan servicing and education technology sectors. It leverages its expertise and infrastructure to expand into new markets.
Total Addressable Market (TAM)
The TAM for student loan servicing is dependent on the outstanding student loan balance. The education technology TAM is estimated to be several billion dollars. The TAM for fiber internet continues to grow. Nelnet is positioned to capture a significant share of each of these markets.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong relationships with government and educational institutions
- Established infrastructure and expertise in loan servicing
- Growing presence in education technology
- Experienced management team
Weaknesses
- Dependence on government contracts
- Regulatory risk in student loan servicing
- Competition in education technology
- Capital intensive fiber internet expansion
- Complexity of managing diverse business units
Opportunities
- Expansion of education technology offerings
- Growth in fiber internet market
- Strategic acquisitions to enhance capabilities
- Development of new financial services products
- Increase in demand for digital payment solutions
Threats
- Changes in government student loan policies
- Increased competition from established and emerging players
- Economic downturn impacting student enrollment and loan repayment
- Cybersecurity risks
- Technological obsolescence
Competitors and Market Share
Key Competitors
- SLM (SLM)
- Blackbaud (BLKB)
- Fiserv (FI)
Competitive Landscape
Nelnet competes in various segments with different competitive dynamics. In student loan servicing, it competes with other large servicers based on contract awards. In education technology, it competes with software companies offering similar solutions. In Fiber internet it depends on the service area.
Major Acquisitions
Great Lakes Educational Loan Services
- Year: 2018
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Nelnet's loan servicing portfolio and market share.
Growth Trajectory and Initiatives
Historical Growth: Discuss Nelnet Inc's growth trends over the past years.
Future Projections: Provide projections for Nelnet Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Nelnet Inc.
Summary
Nelnet is a diversified company with a strong presence in student loan servicing and education technology. Its diverse business segments allow for multiple revenue streams. Challenges include regulatory risks in student loan servicing and competition in the education technology sector. However, future growth potential exists in education technology, fiber internet, and strategic acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Nelnet's SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
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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