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NNI 
Nelnet Inc (NNI)
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Upturn Advisory Summary
12/02/2025: NNI (1-star) is currently NOT-A-BUY. Pass it for now.
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 $135
1 Year Target Price $135
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.18% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.74B USD | Price to earnings Ratio 11.01 | 1Y Target Price 135 |
Price to earnings Ratio 11.01 | 1Y Target Price 135 | ||
Volume (30-day avg) 1 | Beta 0.83 | 52 Weeks Range 97.43 - 136.33 | Updated Date 12/2/2025 |
52 Weeks Range 97.43 - 136.33 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 0.88% | Basic EPS (TTM) 11.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-06 | When - | Estimate 1.52 | Actual 2.95 |
Profitability
Profit Margin 25.54% | Operating Margin (TTM) 33.57% |
Management Effectiveness
Return on Assets (TTM) 3.03% | Return on Equity (TTM) 12.45% |
Valuation
Trailing PE 11.01 | Forward PE 15.11 | Enterprise Value 12210434048 | Price to Sales(TTM) 2.79 |
Enterprise Value 12210434048 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 9.28 | Enterprise Value to EBITDA - | Shares Outstanding 25316448 | Shares Floating 14578787 |
Shares Outstanding 25316448 | Shares Floating 14578787 | ||
Percent Insiders 37.47 | Percent Institutions 50.6 |
Upturn AI SWOT
Nelnet Inc
Company Overview
History and Background
Nelnet Inc. was founded in 1978 as Union Financial Services, later becoming Nelnet. Initially focused on student loan servicing, it has diversified into payment processing, education technology, and renewable energy investments.
Core Business Areas
- Nelnet Diversified Services: Provides payment processing, loan servicing, and customer engagement solutions.
- Nelnet Business Services: Offers tuition management, payment processing, and other solutions for K-12 schools and higher education institutions.
- Nelnet Bank: A Nebraska-based bank offering consumer and commercial lending products.
- Nelnet Renewable Energy: Invests in renewable energy projects, including solar and wind.
Leadership and Structure
Nelnet is led by Chairman and CEO, Jeff Noordhoek. The company has a traditional hierarchical structure with executive leadership overseeing various business units.
Top Products and Market Share
Key Offerings
- Student Loan Servicing: Nelnet is a major servicer of federal student loans. While market share is dependent on loan volume and government contracts, they are one of the largest servicers. Competitors include MOHELA, EdFinancial, and Great Lakes Higher Education Corporation.
- Tuition Management (FACTS): FACTS provides tuition management and payment processing services to private and faith-based schools. Market share varies regionally. Competitors include Blackbaud, Smart Tuition (acquired by Blackbaud), and TADS.
- Payment Processing Solutions: Nelnet offers payment processing solutions for various industries. Market share is smaller compared to large players in the payment processing industry. Competitors include Fiserv, Global Payments, and Adyen.
Market Dynamics
Industry Overview
The industries Nelnet operates in are diverse, including student loan servicing, education technology, payment processing, and renewable energy. These sectors are subject to regulatory changes, technological advancements, and economic conditions.
Positioning
Nelnet's diversified business model provides resilience. Their established position in student loan servicing provides a stable revenue stream, while investments in new technologies and renewable energy offer growth opportunities.
Total Addressable Market (TAM)
The total addressable markets across Nelnet's segments are substantial. Student loan servicing TAM is tied to outstanding student loan debt (trillions of dollars). Education technology TAM is growing with increased digitization. Renewable energy investment TAM is also expanding. Nelnet is positioned to capture a portion of each of these markets through its diversified strategy.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Established relationships with government agencies and educational institutions
- Strong cash flow generation
- Experienced management team
- Investment in renewable energy
Weaknesses
- Dependence on government contracts and regulatory environment
- Potential for reputational risk related to student loan servicing
- Exposure to economic fluctuations
- Limited brand recognition outside of specific industries
Opportunities
- Expansion of education technology offerings
- Growth in renewable energy investments
- Strategic acquisitions in related industries
- Increased demand for payment processing solutions
- Partnerships with other technology companies
Threats
- Changes in government regulations regarding student loans
- Increased competition in all business segments
- Economic downturn
- Technological disruptions
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SLM
- FAF
- BLK
Competitive Landscape
Nelnet's competitive advantages include its diversified business model, established relationships, and strong cash flow. Disadvantages include dependence on government regulations and potential reputational risk.
Major Acquisitions
Great Lakes Educational Loan Services
- Year: 2018
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Nelnet's student loan servicing portfolio and market share.
FACTS Management
- Year: 2015
- Acquisition Price (USD millions): 275
- Strategic Rationale: Expanded Nelnet's product offering to include FACTS tuition management software that allows families to pay tuition and fees.
Growth Trajectory and Initiatives
Historical Growth: Nelnet's historical growth has been driven by its core student loan servicing business and diversification into new areas. Future growth depends on continued investment in these areas and successful execution of strategic initiatives.
Future Projections: Analyst estimates for Nelnet's future growth depend on their projections for the student loan industry, education technology, and renewable energy. Specific projections require analyst data from reliable financial sources.
Recent Initiatives: Recent initiatives include investments in renewable energy projects, expansion of education technology solutions, and strategic acquisitions.
Summary
Nelnet presents a mixed bag with its diversified revenue streams providing stability while being closely tied to government regulations poses a risk. The company's strength lies in its established relationships and cash flow, but it needs to carefully navigate regulatory changes and increasing competition. Investments in renewable energy and education technology show promising growth potential. Overall, Nelnet exhibits moderate financial health, but continued strategic execution is crucial for sustainable growth in the long term.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Nelnet Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports (where available)
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and financial information are subject to change. Consult with a qualified financial advisor before making any 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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