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Nelnet, Inc. (NNI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Nelnet, Inc.

NNIMarket cap $4.46BPrice $124.5

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Services and owns federal student loans while running payment processing, education software, and even fiber internet on the side. One of America's largest student loan servicers, quietly diversifying far beyond debt collection into telecom and fintech.

In Bastion Portfolios?

52W Return-3%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+4%4

Revenue Forecast

Rev CAGR (1y)-0%2

Rev CAGR (3y)+3%3

Rev CAGR (5y)+3%2

Earnings Forecast

EPS Growth Y+1-31%2

EPS Growth Y+2+15%8

EPS Growth Y+3-1%3

Quality

Margins

EBIT Margin0%4

Net Income Margin20%8

Free Cash Flow Margin24%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE8%4

ROA2%4

Earnings Stability55

GEAR+AVERAGE40

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)136

P/BV1.29

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%7

Dividend Yield1.1%3

Momentum

Short term

1 month return-0%8

3 month return-5%5

YTD return-6%4

Mid term

Price vs 52wHigh87%7

1 year return-2%4

Long term

3 year return+46%5

5 year return+58%6

Risk Shield

Price Risk

Beta0.57

Volatility24%9

Free Cash Flow

Free Cash Flow Margin24%9

Free Cash Flow Yield0.0%7

Quality

ROCE3%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

NNINelnet

Revenue FY25$1.7B

GROWTH RATING↗

VERY WEAK14 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%4

Revenue, next 1Y-0%2

Revenue, next 3Y, CAGR+3%3

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-31%2

EPS growth, FY27E+15%8

EPS growth, FY28E-1%3

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 4%/yr over the last 3 years and is set to keep growing around 3%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 86% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about -0.5%/yr vs revenue 3%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE55 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return-5%5

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return-2%4

3-year return+46%5

5-year return+58%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+0%).

WATCH

Average long-term results. Multi-year returns are middling (+46% over three years and +58% over five), roughly average for the market.

It's down 2% over the past year, now 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-5%) and so far this year (-6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Nelnet, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

NNINelnet

Revenue FY25$1.7B

GROWTH RATING↗

VERY WEAK14 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%4

Revenue, next 1Y-0%2

Revenue, next 3Y, CAGR+3%3

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-31%2

EPS growth, FY27E+15%8

EPS growth, FY28E-1%3

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 4%/yr over the last 3 years and is set to keep growing around 3%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 86% of companies worldwide.

Revenue is set to grow 3%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about -0.5%/yr vs revenue 3%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE55 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return-5%5

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return-2%4

3-year return+46%5

5-year return+58%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+0%).

WATCH

Average long-term results. Multi-year returns are middling (+46% over three years and +58% over five), roughly average for the market.

It's down 2% over the past year, now 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-5%) and so far this year (-6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Nelnet, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community