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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 : 4/10

vs
industry
vs
history
Equity-to-Asset 0.08
NNI's Equity-to-Asset is ranked lower than
94% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. NNI: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
NNI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.03 Max: 0.08
Current: 0.08
0.01
0.08
Interest Coverage 1.03
NNI's Interest Coverage is ranked lower than
81% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. NNI: 1.03 )
Ranked among companies with meaningful Interest Coverage only.
NNI' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 1.17 Max: 2.02
Current: 1.03
0.04
2.02
Beneish M-Score: -2.59
WACC vs ROIC
1.50%
0.91%
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 % 46.71
NNI's Operating Margin % is ranked higher than
80% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. NNI: 46.71 )
Ranked among companies with meaningful Operating Margin % only.
NNI' s Operating Margin % Range Over the Past 10 Years
Min: 8.77  Med: 40.25 Max: 50.99
Current: 46.71
8.77
50.99
Net Margin % 30.07
NNI's Net Margin % is ranked higher than
77% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. NNI: 30.07 )
Ranked among companies with meaningful Net Margin % only.
NNI' s Net Margin % Range Over the Past 10 Years
Min: 5.29  Med: 25.81 Max: 33.15
Current: 30.07
5.29
33.15
ROE % 13.24
NNI's ROE % is ranked higher than
69% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. NNI: 13.24 )
Ranked among companies with meaningful ROE % only.
NNI' s ROE % Range Over the Past 10 Years
Min: 4.58  Med: 17.68 Max: 23.2
Current: 13.24
4.58
23.2
ROA % 0.89
NNI's ROA % is ranked lower than
62% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. NNI: 0.89 )
Ranked among companies with meaningful ROA % only.
NNI' s ROA % Range Over the Past 10 Years
Min: 0.1  Med: 0.76 Max: 1.11
Current: 0.89
0.1
1.11
3-Year Revenue Growth Rate 0.70
NNI's 3-Year Revenue Growth Rate is ranked lower than
59% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. NNI: 0.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NNI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.2  Med: 9.5 Max: 60.8
Current: 0.7
-3.2
60.8
3-Year EBITDA Growth Rate 1.40
NNI's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. NNI: 1.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NNI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.8  Med: 12.6 Max: 35.3
Current: 1.4
-19.8
35.3
3-Year EPS without NRI Growth Rate -2.50
NNI's 3-Year EPS without NRI Growth Rate is ranked lower than
58% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. NNI: -2.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NNI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -45.4  Med: 23.25 Max: 159
Current: -2.5
-45.4
159
GuruFocus has detected 2 Warning Signs with Nelnet Inc $NNI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NNI's 10-Y Financials

Financials (Next Earnings Date: 2017-05-05 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NNI Guru Trades in Q1 2016

Paul Tudor Jones 10,800 sh (New)
Jim Simons 282,200 sh (+26.09%)
David Dreman 97,347 sh (+5.86%)
Chuck Royce 48,216 sh (unchged)
Jeremy Grantham 5,200 sh (-24.64%)
» More
Q2 2016

NNI Guru Trades in Q2 2016

Jim Simons 340,100 sh (+20.52%)
Chuck Royce 48,216 sh (unchged)
David Dreman Sold Out
Paul Tudor Jones Sold Out
Jeremy Grantham Sold Out
» More
Q3 2016

NNI Guru Trades in Q3 2016

Jim Simons 348,300 sh (+2.41%)
Chuck Royce 48,216 sh (unchged)
» More
Q4 2016

NNI Guru Trades in Q4 2016

Jim Simons 358,700 sh (+2.99%)
Chuck Royce 46,516 sh (-3.53%)
» 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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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare: » details
Nelnet Inc provides educational services in loan servicing, payment processing, education planning, and asset management. The Company also provides federally insured student loans.

Nelnet holds student loans and engages in student loan servicing and tuition payment processing. The majority of company revenue is interest income from the student loans the company holds. Nelnet holds student loans that it originated under the Federal Family Education Loan Program before 2010. Because of the Health Care and Education Reconciliation Act of 2010, which authorized only the federal government to originate these loans, Nelnet cannot originate new student loans, but it can and does purchase existing loans from other lenders. Virtually all other company revenue comes from fees it earns by servicing student loans owned by itself and others, including the government, and tuition payment processing for over 800 colleges and universities as well as nearly 10,000 K-12 schools.

Ratios

vs
industry
vs
history
PE Ratio 7.13
NNI's PE Ratio is ranked higher than
88% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. NNI: 7.13 )
Ranked among companies with meaningful PE Ratio only.
NNI' s PE Ratio Range Over the Past 10 Years
Min: 1.89  Med: 6.86 Max: 656
Current: 7.13
1.89
656
Forward PE Ratio 9.46
NNI's Forward PE Ratio is ranked higher than
77% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 12.05 vs. NNI: 9.46 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 7.13
NNI's PE Ratio without NRI is ranked higher than
86% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. NNI: 7.13 )
Ranked among companies with meaningful PE Ratio without NRI only.
NNI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.92  Med: 6.86 Max: 154.35
Current: 7.13
1.92
154.35
Price-to-Owner-Earnings 4.60
NNI's Price-to-Owner-Earnings is ranked higher than
84% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 12.19 vs. NNI: 4.60 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NNI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.6  Med: 4.63 Max: 25.88
Current: 4.6
0.6
25.88
PB Ratio 0.87
NNI's PB Ratio is ranked higher than
67% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NNI: 0.87 )
Ranked among companies with meaningful PB Ratio only.
NNI' s PB Ratio Range Over the Past 10 Years
Min: 0.35  Med: 1.12 Max: 3.16
Current: 0.87
0.35
3.16
PS Ratio 2.17
NNI's PS Ratio is ranked higher than
67% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. NNI: 2.17 )
Ranked among companies with meaningful PS Ratio only.
NNI' s PS Ratio Range Over the Past 10 Years
Min: 0.38  Med: 1.73 Max: 3.55
Current: 2.17
0.38
3.55
Price-to-Free-Cash-Flow 7.13
NNI's Price-to-Free-Cash-Flow is ranked higher than
62% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. NNI: 7.13 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NNI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.66  Med: 4.72 Max: 14.58
Current: 7.13
0.66
14.58
Price-to-Operating-Cash-Flow 5.64
NNI's Price-to-Operating-Cash-Flow is ranked higher than
70% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 9.08 vs. NNI: 5.64 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NNI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.66  Med: 4.48 Max: 13.02
Current: 5.64
0.66
13.02
EV-to-EBIT 66.23
NNI's EV-to-EBIT is ranked lower than
84% of the 420 Companies
in the Global Credit Services industry.

( Industry Median: 18.27 vs. NNI: 66.23 )
Ranked among companies with meaningful EV-to-EBIT only.
NNI' s EV-to-EBIT Range Over the Past 10 Years
Min: -4016.5  Med: 83.4 Max: 1680.3
Current: 66.23
-4016.5
1680.3
EV-to-EBITDA 50.63
NNI's EV-to-EBITDA is ranked lower than
84% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 14.96 vs. NNI: 50.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
NNI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 49.2  Med: 63.05 Max: 188.2
Current: 50.63
49.2
188.2
PEG Ratio 0.84
NNI's PEG Ratio is ranked lower than
51% of the 107 Companies
in the Global Credit Services industry.

( Industry Median: 0.71 vs. NNI: 0.84 )
Ranked among companies with meaningful PEG Ratio only.
NNI' s PEG Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.51 Max: 242
Current: 0.84
0.29
242
Shiller PE Ratio 10.06
NNI's Shiller PE Ratio is ranked higher than
80% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 14.88 vs. NNI: 10.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
NNI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.81  Med: 11.82 Max: 14.56
Current: 10.06
7.81
14.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.22
NNI's Dividend Yield % is ranked lower than
77% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. NNI: 1.22 )
Ranked among companies with meaningful Dividend Yield % only.
NNI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.26  Med: 1.14 Max: 2.87
Current: 1.22
0.26
2.87
Dividend Payout Ratio 0.08
NNI's Dividend Payout Ratio is ranked higher than
97% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: 1.25 vs. NNI: 0.08 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NNI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.08 Max: 0.39
Current: 0.08
0.03
0.39
3-Year Dividend Growth Rate 7.70
NNI's 3-Year Dividend Growth Rate is ranked higher than
52% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. NNI: 7.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NNI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 78.8
Current: 7.7
0
78.8
Forward Dividend Yield % 1.32
NNI's Forward Dividend Yield % is ranked lower than
79% of the 277 Companies
in the Global Credit Services industry.

( Industry Median: 2.92 vs. NNI: 1.32 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.58
NNI's 5-Year Yield-on-Cost % is ranked lower than
71% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 3.26 vs. NNI: 1.58 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NNI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.33  Med: 1.44 Max: 3.63
Current: 1.58
0.33
3.63
3-Year Average Share Buyback Ratio 3.20
NNI's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. NNI: 3.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NNI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.3  Med: 1.5 Max: 3.2
Current: 3.2
-9.3
3.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.97
NNI's Price-to-Tangible-Book is ranked higher than
65% of the 416 Companies
in the Global Credit Services industry.

( Industry Median: 1.39 vs. NNI: 0.97 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NNI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.87  Med: 1.51 Max: 5.54
Current: 0.97
0.87
5.54
Price-to-Intrinsic-Value-Projected-FCF 0.35
NNI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
89% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. NNI: 0.35 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NNI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.35 Max: 0.41
Current: 0.35
0.28
0.41
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.25
NNI's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
86% of the 22 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. NNI: 0.25 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.24
NNI's Price-to-Median-PS-Value is ranked lower than
64% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. NNI: 1.24 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NNI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.12 Max: 2.07
Current: 1.24
0.57
2.07
Price-to-Peter-Lynch-Fair-Value 1.05
NNI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
53% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 1.13 vs. NNI: 1.05 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
NNI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.36  Med: 0.51 Max: 1.24
Current: 1.05
0.36
1.24
Price-to-Graham-Number 0.55
NNI's Price-to-Graham-Number is ranked higher than
83% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. NNI: 0.55 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NNI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 0.68 Max: 2.6
Current: 0.55
0.47
2.6
Earnings Yield (Greenblatt) % 1.51
NNI's Earnings Yield (Greenblatt) % is ranked lower than
73% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.45 vs. NNI: 1.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NNI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 1.2 Max: 1.7
Current: 1.51
0.1
1.7
Forward Rate of Return (Yacktman) % 23.77
NNI's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 9.40 vs. NNI: 23.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NNI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 15.9  Med: 30.5 Max: 98.8
Current: 23.77
15.9
98.8

More Statistics

Revenue (TTM) (Mil) $853.8
EPS (TTM) $ 6.02
Beta0.98
Short Percentage of Float0.57%
52-Week Range $31.49 - 55.01
Shares Outstanding (Mil)42.10

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 4.49 4.25
EPS without NRI ($) 4.49 4.25
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.58 0.66
» 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 
Ruane Cunniff Buys Votorantim Celulose e Papel S., FINISHMASTER INC, Cresud Inc., Sells Bowater Inc. Feb 15 2007 

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