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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
Cash to Debt 0.01
NNI's Cash to Debt is ranked lower than
64% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. NNI: 0.01 )
NNI' s 10-Year Cash to Debt Range
Min: 0   Max: 0.02
Current: 0.01

0
0.02
Equity to Asset 0.06
NNI's Equity to Asset is ranked lower than
56% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. NNI: 0.06 )
NNI' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.06
Current: 0.06

0.01
0.06
Interest Coverage 1.72
NNI's Interest Coverage is ranked lower than
54% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 13.94 vs. NNI: 1.72 )
NNI' s 10-Year Interest Coverage Range
Min: 0.04   Max: 2.02
Current: 1.72

0.04
2.02
F-Score: 5
Z-Score: 0.23
WACC vs ROIC
1.39%
1.06%
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 (%) 50.40
NNI's Operating margin (%) is ranked higher than
88% of the 375 Companies
in the Global Credit Services industry.

( Industry Median: 20.51 vs. NNI: 50.40 )
NNI' s 10-Year Operating margin (%) Range
Min: 8.77   Max: 50.99
Current: 50.4

8.77
50.99
Net-margin (%) 33.02
NNI's Net-margin (%) is ranked higher than
82% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 16.32 vs. NNI: 33.02 )
NNI' s 10-Year Net-margin (%) Range
Min: 5.29   Max: 33.15
Current: 33.02

5.29
33.15
ROE (%) 19.42
NNI's ROE (%) is ranked higher than
84% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 10.42 vs. NNI: 19.42 )
NNI' s 10-Year ROE (%) Range
Min: 4.58   Max: 56.34
Current: 19.42

4.58
56.34
ROA (%) 1.04
NNI's ROA (%) is ranked higher than
55% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 3.01 vs. NNI: 1.04 )
NNI' s 10-Year ROA (%) Range
Min: 0.1   Max: 1.11
Current: 1.04

0.1
1.11
ROC (Joel Greenblatt) (%) 1215.30
NNI's ROC (Joel Greenblatt) (%) is ranked higher than
95% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 17.98 vs. NNI: 1215.30 )
NNI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 0.33   Max: 1417.19
Current: 1215.3

0.33
1417.19
Revenue Growth (3Y)(%) 12.20
NNI's Revenue Growth (3Y)(%) is ranked higher than
78% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. NNI: 12.20 )
NNI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.2   Max: 60.7
Current: 12.2

-3.2
60.7
EBITDA Growth (3Y)(%) 18.70
NNI's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. NNI: 18.70 )
NNI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 25.3
Current: 18.7

0
25.3
EPS Growth (3Y)(%) 15.90
NNI's EPS Growth (3Y)(%) is ranked higher than
78% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 9.20 vs. NNI: 15.90 )
NNI' s 10-Year EPS Growth (3Y)(%) Range
Min: -45.4   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

Q1 2014

NNI Guru Trades in Q1 2014

Louis Moore Bacon 23,656 sh (New)
Steven Cohen 6,162 sh (New)
Jeremy Grantham 7,000 sh (+17.63%)
David Dreman 71,631 sh (+3.09%)
Chuck Royce Sold Out
Jim Simons 272,942 sh (-7.00%)
Paul Tudor Jones 17,855 sh (-27.24%)
Joel Greenblatt 5,377 sh (-32.48%)
» More
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%)
Jeremy Grantham Sold Out
Joel Greenblatt 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
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 6.70
NNI's P/E(ttm) is ranked higher than
94% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 25.30 vs. NNI: 6.70 )
NNI' s 10-Year P/E(ttm) Range
Min: 1.9   Max: 820
Current: 6.7

1.9
820
Forward P/E 7.96
NNI's Forward P/E is ranked higher than
96% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 7.96 )
N/A
PE(NRI) 6.70
NNI's PE(NRI) is ranked higher than
94% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 26.10 vs. NNI: 6.70 )
NNI' s 10-Year PE(NRI) Range
Min: 1.92   Max: 201.85
Current: 6.7

1.92
201.85
P/B 1.20
NNI's P/B is ranked higher than
71% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. NNI: 1.20 )
NNI' s 10-Year P/B Range
Min: 0.35   Max: 4.04
Current: 1.2

0.35
4.04
P/S 2.30
NNI's P/S is ranked higher than
76% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.11 vs. NNI: 2.30 )
NNI' s 10-Year P/S Range
Min: 0.38   Max: 4.48
Current: 2.3

0.38
4.48
PFCF 6.20
NNI's PFCF is ranked higher than
91% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 6.20 )
NNI' s 10-Year PFCF Range
Min: 0.66   Max: 23.72
Current: 6.2

0.66
23.72
POCF 5.75
NNI's POCF is ranked higher than
90% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 5.75 )
NNI' s 10-Year POCF Range
Min: 0.66   Max: 19.56
Current: 5.75

0.66
19.56
EV-to-EBIT 63.77
NNI's EV-to-EBIT is ranked higher than
64% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 36.50 vs. NNI: 63.77 )
NNI' s 10-Year EV-to-EBIT Range
Min: -4016.5   Max: 1680.3
Current: 63.77

-4016.5
1680.3
PEG 0.34
NNI's PEG is ranked higher than
97% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 0.34 )
NNI' s 10-Year PEG Range
Min: 0.26   Max: 17.56
Current: 0.34

0.26
17.56
Shiller P/E 9.50
NNI's Shiller P/E is ranked higher than
94% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 9.50 )
NNI' s 10-Year Shiller P/E Range
Min: 2.71   Max: 13.2
Current: 9.5

2.71
13.2
Days Sales Outstanding 19.81
NNI's Days Sales Outstanding is ranked higher than
83% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 344.00 vs. NNI: 19.81 )
NNI' s 10-Year Days Sales Outstanding Range
Min: 19.81   Max: 318.54
Current: 19.81

19.81
318.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
NNI's Dividend Yield is ranked lower than
72% of the 228 Companies
in the Global Credit Services industry.

( Industry Median: 2.11 vs. NNI: 0.90 )
NNI' s 10-Year Dividend Yield Range
Min: 0.26   Max: 2.87
Current: 0.9

0.26
2.87
Dividend Payout 0.06
NNI's Dividend Payout is ranked higher than
98% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 0.06 )
NNI' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.42
Current: 0.06

0.03
0.42
Dividend growth (3y) 2.60
NNI's Dividend growth (3y) is ranked higher than
67% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. NNI: 2.60 )
NNI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 78.8
Current: 2.6

0
78.8
Yield on cost (5-Year) 3.69
NNI's Yield on cost (5-Year) is ranked higher than
60% of the 231 Companies
in the Global Credit Services industry.

( Industry Median: 2.88 vs. NNI: 3.69 )
NNI' s 10-Year Yield on cost (5-Year) Range
Min: 1.07   Max: 11.77
Current: 3.69

1.07
11.77
Share Buyback Rate 1.10
NNI's Share Buyback Rate is ranked higher than
82% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. NNI: 1.10 )
NNI' s 10-Year Share Buyback Rate Range
Min: 2.8   Max: -6.3
Current: 1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
NNI's Price/Tangible Book is ranked higher than
73% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. NNI: 1.40 )
NNI' s 10-Year Price/Tangible Book Range
Min: 1.03   Max: 5.51
Current: 1.4

1.03
5.51
Price/DCF (Projected) 0.40
NNI's Price/DCF (Projected) is ranked higher than
96% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 0.40 )
NNI' s 10-Year Price/DCF (Projected) Range
Min: 0.28   Max: 0.39
Current: 0.4

0.28
0.39
Price/Median PS Value 1.20
NNI's Price/Median PS Value is ranked higher than
69% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NNI: 1.20 )
NNI' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 1.88
Current: 1.2

0.51
1.88
Price/Peter Lynch Fair Value 0.50
NNI's Price/Peter Lynch Fair Value is ranked higher than
98% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NNI: 0.50 )
NNI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.36   Max: 0.99
Current: 0.5

0.36
0.99
Price/Graham Number 0.60
NNI's Price/Graham Number is ranked higher than
94% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 21.50 vs. NNI: 0.60 )
NNI' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 2.84
Current: 0.6

0.56
2.84
Earnings Yield (Greenblatt) 1.60
NNI's Earnings Yield (Greenblatt) is ranked higher than
53% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. NNI: 1.60 )
NNI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 1.9
Current: 1.6

0.1
1.9
Forward Rate of Return (Yacktman) 27.94
NNI's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NNI: 27.94 )
NNI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.3   Max: 87.5
Current: 27.94

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 

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Nelnet Reports Fourth Quarter 2014 Results Feb 26 2015
Q4 2014 Nelnet Inc Earnings Release - After Market Close Feb 26 2015
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Hacking away at student loan debt Feb 16 2015
Nelnet, Inc. (NNI), Kennedy-Wilson Holdings Inc (KW), UEPS Technologies Inc (UEPS) and More of... Feb 13 2015
Nelnet to Announce Fourth Quarter and Year-End Results on Feb. 26; Dividend Approved Feb 06 2015
Nelnet to Announce Fourth Quarter and Year-End Results on Feb. 26; Dividend Approved Feb 06 2015
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Nelnet Reports Third Quarter 2014 Results Nov 06 2014

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