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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Equity to Asset 0.06
NNI's Equity to Asset is ranked lower than
92% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. NNI: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
NNI' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.03 Max: 0.06
Current: 0.06
0.02
0.06
Interest Coverage 1.72
NNI's Interest Coverage is ranked lower than
80% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 32.80 vs. NNI: 1.72 )
Ranked among companies with meaningful Interest Coverage only.
NNI' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.56 Max: 2.02
Current: 1.72
0.04
2.02
F-Score: 5
WACC vs ROIC
1.36%
1.02%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 49.33
NNI's Operating margin (%) is ranked higher than
81% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 20.61 vs. NNI: 49.33 )
Ranked among companies with meaningful Operating margin (%) only.
NNI' s 10-Year Operating margin (%) Range
Min: 8.77  Med: 36.50 Max: 50.99
Current: 49.33
8.77
50.99
Net-margin (%) 32.23
NNI's Net-margin (%) is ranked higher than
73% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 15.86 vs. NNI: 32.23 )
Ranked among companies with meaningful Net-margin (%) only.
NNI' s 10-Year Net-margin (%) Range
Min: 5.29  Med: 21.39 Max: 33.15
Current: 32.23
5.29
33.15
ROE (%) 18.08
NNI's ROE (%) is ranked higher than
73% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.14 vs. NNI: 18.08 )
Ranked among companies with meaningful ROE (%) only.
NNI' s 10-Year ROE (%) Range
Min: 4.58  Med: 19.45 Max: 56.34
Current: 18.08
4.58
56.34
ROA (%) 1.00
NNI's ROA (%) is ranked lower than
66% of the 268 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. NNI: 1.00 )
Ranked among companies with meaningful ROA (%) only.
NNI' s 10-Year ROA (%) Range
Min: 0.1  Med: 0.61 Max: 1.11
Current: 1
0.1
1.11
ROC (Joel Greenblatt) (%) 1086.42
NNI's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 16.18 vs. NNI: 1086.42 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NNI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 0.33  Med: 823.25 Max: 1417.19
Current: 1086.42
0.33
1417.19
Revenue Growth (3Y)(%) 12.20
NNI's Revenue Growth (3Y)(%) is ranked higher than
64% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NNI: 12.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NNI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.2  Med: 11.60 Max: 60.7
Current: 12.2
-3.2
60.7
EBITDA Growth (3Y)(%) 18.70
NNI's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 163 Companies
in the Global Credit Services industry.

( Industry Median: -4.00 vs. NNI: 18.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NNI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 9.05 Max: 25.3
Current: 18.7
0
25.3
EPS Growth (3Y)(%) 15.90
NNI's EPS Growth (3Y)(%) is ranked higher than
64% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. NNI: 15.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NNI' s 10-Year EPS Growth (3Y)(%) Range
Min: -45.4  Med: 29.10 Max: 159
Current: 15.9
-45.4
159
» NNI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

NNI Guru Trades in Q2 2014

Chuck Royce 15,516 sh (New)
Paul Tudor Jones 22,455 sh (+25.76%)
Louis Moore Bacon 25,000 sh (+5.68%)
Joel Greenblatt Sold Out
Jeremy Grantham Sold Out
Jim Simons 268,929 sh (-1.47%)
David Dreman 70,081 sh (-2.16%)
» More
Q3 2014

NNI Guru Trades in Q3 2014

Chuck Royce 33,316 sh (+114.72%)
David Dreman 71,024 sh (+1.35%)
Louis Moore Bacon Sold Out
Jim Simons 252,300 sh (-6.18%)
Paul Tudor Jones 18,296 sh (-18.52%)
» More
Q4 2014

NNI Guru Trades in Q4 2014

Chuck Royce 36,416 sh (+9.30%)
David Dreman 74,668 sh (+5.13%)
Jim Simons 203,100 sh (-19.50%)
Paul Tudor Jones 4,684 sh (-74.40%)
» More
Q1 2015

NNI Guru Trades in Q1 2015

Chuck Royce 48,216 sh (+32.40%)
David Dreman 81,208 sh (+8.76%)
Jim Simons 210,200 sh (+3.50%)
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with NNI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 6.94
NNI's P/E(ttm) is ranked higher than
84% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 15.40 vs. NNI: 6.94 )
Ranked among companies with meaningful P/E(ttm) only.
NNI' s 10-Year P/E(ttm) Range
Min: 1.9  Med: 7.16 Max: 820
Current: 6.94
1.9
820
Forward P/E 8.42
NNI's Forward P/E is ranked higher than
72% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 11.07 vs. NNI: 8.42 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 6.80
NNI's PE(NRI) is ranked higher than
85% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 15.90 vs. NNI: 6.80 )
Ranked among companies with meaningful PE(NRI) only.
NNI' s 10-Year PE(NRI) Range
Min: 1.92  Med: 7.13 Max: 201.85
Current: 6.8
1.92
201.85
P/B 1.15
NNI's P/B is ranked higher than
52% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. NNI: 1.15 )
Ranked among companies with meaningful P/B only.
NNI' s 10-Year P/B Range
Min: 0.35  Med: 1.23 Max: 4.04
Current: 1.15
0.35
4.04
P/S 2.24
NNI's P/S is ranked higher than
66% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 3.35 vs. NNI: 2.24 )
Ranked among companies with meaningful P/S only.
NNI' s 10-Year P/S Range
Min: 0.38  Med: 1.89 Max: 4.48
Current: 2.24
0.38
4.48
PFCF 5.67
NNI's PFCF is ranked higher than
69% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 9.12 vs. NNI: 5.67 )
Ranked among companies with meaningful PFCF only.
NNI' s 10-Year PFCF Range
Min: 0.66  Med: 5.11 Max: 23.72
Current: 5.67
0.66
23.72
POCF 5.21
NNI's POCF is ranked higher than
67% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 8.21 vs. NNI: 5.21 )
Ranked among companies with meaningful POCF only.
NNI' s 10-Year POCF Range
Min: 0.66  Med: 4.84 Max: 19.56
Current: 5.21
0.66
19.56
EV-to-EBIT 65.06
NNI's EV-to-EBIT is ranked lower than
83% of the 195 Companies
in the Global Credit Services industry.

( Industry Median: 18.93 vs. NNI: 65.06 )
Ranked among companies with meaningful EV-to-EBIT only.
NNI' s 10-Year EV-to-EBIT Range
Min: -4016.5  Med: 86.70 Max: 1680.3
Current: 65.06
-4016.5
1680.3
PEG 0.35
NNI's PEG is ranked higher than
75% of the 57 Companies
in the Global Credit Services industry.

( Industry Median: 0.69 vs. NNI: 0.35 )
Ranked among companies with meaningful PEG only.
NNI' s 10-Year PEG Range
Min: 0.26  Med: 0.46 Max: 17.56
Current: 0.35
0.26
17.56
Shiller P/E 9.09
NNI's Shiller P/E is ranked higher than
74% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 13.64 vs. NNI: 9.09 )
Ranked among companies with meaningful Shiller P/E only.
NNI' s 10-Year Shiller P/E Range
Min: 2.7  Med: 9.67 Max: 13.24
Current: 9.09
2.7
13.24
Days Sales Outstanding 22.05
NNI's Days Sales Outstanding is ranked higher than
53% of the 176 Companies
in the Global Credit Services industry.

( Industry Median: 26.32 vs. NNI: 22.05 )
Ranked among companies with meaningful Days Sales Outstanding only.
NNI' s 10-Year Days Sales Outstanding Range
Min: 19.81  Med: 31.84 Max: 318.54
Current: 22.05
19.81
318.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.88
NNI's Dividend Yield is ranked lower than
78% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. NNI: 0.88 )
Ranked among companies with meaningful Dividend Yield only.
NNI' s 10-Year Dividend Yield Range
Min: 0.26  Med: 1.12 Max: 2.87
Current: 0.88
0.26
2.87
Dividend Payout 0.06
NNI's Dividend Payout is ranked higher than
95% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. NNI: 0.06 )
Ranked among companies with meaningful Dividend Payout only.
NNI' s 10-Year Dividend Payout Range
Min: 0.04  Med: 0.07 Max: 0.24
Current: 0.06
0.04
0.24
Dividend growth (3y) 2.60
NNI's Dividend growth (3y) is ranked lower than
68% of the 73 Companies
in the Global Credit Services industry.

( Industry Median: 10.70 vs. NNI: 2.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
NNI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 78.8
Current: 2.6
0
78.8
Yield on cost (5-Year) 3.61
NNI's Yield on cost (5-Year) is ranked higher than
54% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. NNI: 3.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NNI' s 10-Year Yield on cost (5-Year) Range
Min: 1.07  Med: 4.59 Max: 11.77
Current: 3.61
1.07
11.77
Share Buyback Rate 1.10
NNI's Share Buyback Rate is ranked higher than
70% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. NNI: 1.10 )
Ranked among companies with meaningful Share Buyback Rate only.
NNI' s 10-Year Share Buyback Rate Range
Min: 2.8  Med: 1.00 Max: -6.3
Current: 1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
NNI's Price/Tangible Book is ranked lower than
51% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. NNI: 1.28 )
Ranked among companies with meaningful Price/Tangible Book only.
NNI' s 10-Year Price/Tangible Book Range
Min: 1.03  Med: 1.54 Max: 5.51
Current: 1.28
1.03
5.51
Price/Projected FCF 0.37
NNI's Price/Projected FCF is ranked higher than
77% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. NNI: 0.37 )
Ranked among companies with meaningful Price/Projected FCF only.
NNI' s 10-Year Price/Projected FCF Range
Min: 0.18  Med: 0.33 Max: 0.41
Current: 0.37
0.18
0.41
Price/Median PS Value 1.19
NNI's Price/Median PS Value is ranked lower than
62% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NNI: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
NNI' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.05 Max: 10.2
Current: 1.19
0.37
10.2
Price/Peter Lynch Fair Value 0.48
NNI's Price/Peter Lynch Fair Value is ranked higher than
84% of the 31 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. NNI: 0.48 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NNI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.14  Med: 0.43 Max: 1.7
Current: 0.48
0.14
1.7
Price/Graham Number 0.63
NNI's Price/Graham Number is ranked higher than
77% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. NNI: 0.63 )
Ranked among companies with meaningful Price/Graham Number only.
NNI' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 0.68 Max: 4.5
Current: 0.63
0.41
4.5
Earnings Yield (Greenblatt) (%) 1.50
NNI's Earnings Yield (Greenblatt) (%) is ranked lower than
65% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. NNI: 1.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NNI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 1.10 Max: 1.9
Current: 1.5
0.1
1.9
Forward Rate of Return (Yacktman) (%) 29.83
NNI's Forward Rate of Return (Yacktman) (%) is ranked higher than
91% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 vs. NNI: 29.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NNI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 16.3  Med: 29.80 Max: 87.5
Current: 29.83
16.3
87.5

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, COF, RDCRL » details
Nelnet Inc was formed in 1978. The Company is an education services company and provided fee-based processing services and education-related products and services in four core areas asset management and finance, loan servicing, payment processing, and enrollment services (education planning). These products and services help students and families plan, prepare, and pay for their education and make the administrative and financial processes more efficient for schools and financial organizations. The Company operates in four distinct operating segments; Student Loan and Guaranty Servicing; Tuition Payment Processing and Campus Commerce; Enrollment Services; Asset Generation and Management. The Student Loan and Guaranty Servicing operating segment provides for the servicing of the Company's student loan portfolios and the portfolios of third parties. The loan servicing activities include loan origination activities, loan conversion activities, application processing, borrower updates, payment processing, due diligence procedures, funds management reconciliations, and claim processing. It includes brands like Nelnet Loan Servicing, Firstmark Services, Nelnet Guarantor Solutions, 5280 Solutions, Responsible Repay, CampusGuard, and Proxi. The Company's Tuition Payment Processing and Campus Commerce operating segment provides products and services to help students and families manage the payment of education costs at all levels (K-12 and higher education). It also provides education-focused technologies, services, and support solutions to help schools with the everyday challenges of collecting and processing commerce data. It includes the brand FACTS Management. The Enrollment Services operating segment offers products and services that are focused on helping colleges recruit and retain students and helping students plan and prepare for life after high school and/or military service. It includes the brands CUnet, Peterson's, EssayEdge, and Sparkroom. The Company's Asset Generation and Management operating segment includes the acquisition, management, and ownership of the Company's student loan assets, which has historically been the Company's largest product and service offering. Student loan assets included in this segment are loans originated under the FFEL Program, including the Stafford Loan Program, the PLUS Loan program, and loans that consolidate certain borrower obligations ('Consolidation'). The Company faces competition from financial institutions, tuition management providers, financial needs assessment providers, accounting firms, and a myriad of software companies. The Company is subject to federal and state income tax laws and regulations. Income tax regulations are often complex and require interpretation.
» More Articles for NNI

Headlines

Articles On GuruFocus.com
A Diversified Financial Services Company – Brian Rogers Sold Out Jan 20 2014 
Whitney Tilson Reports Q2 Portfolio: Buys NNI, ATVI, PBY, XRX, C, IBKR, HHC, BCSI, DELL Aug 15 2011 
Nelnet (NNI)- Two Businesses for the Price of One? Jun 28 2011 
Nelnet Inc. Reports Operating Results (10-Q) Nov 09 2009 
Nelnet Inc. Reports Operating Results (10-Q) Aug 10 2009 
Nelnet Reports Second Quarter 2009 Results Aug 10 2009 
Ruane Cunniff Buys Votorantim Celulose e Papel S., FINISHMASTER INC, Cresud Inc., Sells Bowater Inc. Feb 15 2007 

More From Other Websites
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Nelnet Reports First Quarter 2015 Results May 07 2015
Q1 2015 Nelnet Inc Earnings Release - After Market Close May 07 2015
Some on Wall Street say $1.2 trillion in student debt could trigger the next market crash Apr 29 2015
Nelnet to Announce First Quarter Results Apr 09 2015
Nelnet to Announce First Quarter Results Apr 09 2015
Hudl Raises $72.5 Million Led By Accel and Nelnet to Change the Face of Sports Apr 02 2015
NELNET INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Feb 27 2015
Nelnet posts 4Q profit Feb 27 2015
Nelnet posts 4Q profit Feb 27 2015
Nelnet Reports Fourth Quarter 2014 Results Feb 26 2015
Lending Club Drops More Than 10% After First Earnings Report As Public Company Feb 24 2015
Hacking away at student loan debt Feb 16 2015
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Nelnet to Announce Fourth Quarter and Year-End Results on Feb. 26; Dividend Approved Feb 06 2015
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Nelnet strikes deal to fund student loan startup CommonBond Feb 05 2015

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