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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
Cash-to-Debt 0.01
NNI's Cash-to-Debt is ranked lower than
99.99% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NNI: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
NNI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0 Max: N/A
Current: 0.01
Equity-to-Asset 0.08
NNI's Equity-to-Asset is ranked lower than
94% of the 371 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: 0.02  Med: 0.03 Max: 0.08
Current: 0.08
0.02
0.08
Interest Coverage 1.00
NNI's Interest Coverage is ranked lower than
81% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. NNI: 1.00 )
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
0.04
2.02
Beneish M-Score: -2.43
WACC vs ROIC
1.32%
0.94%
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 : 6/10

vs
industry
vs
history
Operating Margin % 46.86
NNI's Operating Margin % is ranked higher than
78% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. NNI: 46.86 )
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: 46.86
8.77
50.99
Net Margin % 30.09
NNI's Net Margin % is ranked higher than
76% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. NNI: 30.09 )
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: 30.09
5.29
33.15
ROE % 13.05
NNI's ROE % is ranked higher than
68% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. NNI: 13.05 )
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: 13.05
4.58
23.2
ROA % 0.93
NNI's ROA % is ranked lower than
64% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. NNI: 0.93 )
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: 0.93
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 275 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
59% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 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
59% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 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 1 Warning Sign 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 30-Y Financials

Financials (Next Earnings Date: 2017-08-04 Est.)


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

» Details

Guru Trades

Q2 2016

NNI Guru Trades in Q2 2016

Jim Simons 340,100 sh (+20.52%)
Chuck Royce 48,216 sh (unchged)
Jeremy Grantham Sold Out
David Dreman Sold Out
Paul Tudor Jones 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
Q1 2017

NNI Guru Trades in Q1 2017

Chuck Royce 46,516 sh (unchged)
Jim Simons 325,700 sh (-9.20%)
» 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:NAS:PRAA, NYSE:GDOT, NYSE:YRD, OTCPK:AIFLY, NAS:QIWI, NYSE:LC, OTCPK:ECNCF, NAS:HAWK, NAS:MGI, NYSE:TCAP, NYSE:FCFS, OTCPK:AUTCF, NAS:WRLD, NYSE:AGM, NAS:FSC, OTCPK:ALARF, NAS:EZPW, NYSE:ENVA, NYSE:XRF, NAS:NEWS » details
Headquarter Location:USA
Nelnet Inc provides educational services in loan servicing, payment processing, education planning, and asset management. The Company also provides federally insured student loans.

Nelnet Inc 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 6.50
NNI's PE Ratio is ranked higher than
84% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. NNI: 6.50 )
Ranked among companies with meaningful PE Ratio only.
NNI' s PE Ratio Range Over the Past 10 Years
Min: 1.89  Med: 6.85 Max: 656
Current: 6.5
1.89
656
Forward PE Ratio 8.84
NNI's Forward PE Ratio is ranked higher than
85% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 12.74 vs. NNI: 8.84 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 6.50
NNI's PE Ratio without NRI is ranked higher than
83% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. NNI: 6.50 )
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: 6.85 Max: 154.35
Current: 6.5
1.92
154.35
Price-to-Owner-Earnings 4.26
NNI's Price-to-Owner-Earnings is ranked higher than
85% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 11.54 vs. NNI: 4.26 )
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: 4.52 Max: 18.78
Current: 4.26
0.6
18.78
PB Ratio 0.81
NNI's PB Ratio is ranked higher than
63% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. NNI: 0.81 )
Ranked among companies with meaningful PB Ratio only.
NNI' s PB Ratio Range Over the Past 10 Years
Min: 0.35  Med: 1.11 Max: 2.91
Current: 0.81
0.35
2.91
PS Ratio 1.93
NNI's PS Ratio is ranked higher than
65% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. NNI: 1.93 )
Ranked among companies with meaningful PS Ratio only.
NNI' s PS Ratio Range Over the Past 10 Years
Min: 0.38  Med: 1.72 Max: 2.99
Current: 1.93
0.38
2.99
Price-to-Free-Cash-Flow 7.75
NNI's Price-to-Free-Cash-Flow is ranked higher than
55% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. NNI: 7.75 )
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: 4.7 Max: 12.66
Current: 7.75
0.66
12.66
Price-to-Operating-Cash-Flow 5.67
NNI's Price-to-Operating-Cash-Flow is ranked higher than
61% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 8.02 vs. NNI: 5.67 )
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: 11.15
Current: 5.67
0.66
11.15
EV-to-EBIT 62.46
NNI's EV-to-EBIT is ranked lower than
86% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 16.65 vs. NNI: 62.46 )
Ranked among companies with meaningful EV-to-EBIT only.
NNI' s EV-to-EBIT Range Over the Past 10 Years
Min: -4016.5  Med: 83.1 Max: 1680.3
Current: 62.46
-4016.5
1680.3
EV-to-EBITDA 47.57
NNI's EV-to-EBITDA is ranked lower than
85% of the 384 Companies
in the Global Credit Services industry.

( Industry Median: 13.89 vs. NNI: 47.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
NNI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 47.55  Med: 62.9 Max: 188.2
Current: 47.57
47.55
188.2
PEG Ratio 0.80
NNI's PEG Ratio is ranked lower than
54% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 0.78 vs. NNI: 0.80 )
Ranked among companies with meaningful PEG Ratio only.
NNI' s PEG Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.56 Max: 6.8
Current: 0.8
0.32
6.8
Shiller PE Ratio 8.94
NNI's Shiller PE Ratio is ranked higher than
80% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 14.84 vs. NNI: 8.94 )
Ranked among companies with meaningful Shiller PE Ratio only.
NNI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.81  Med: 11.86 Max: 14.56
Current: 8.94
7.81
14.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.30
NNI's Dividend Yield % is ranked lower than
76% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. NNI: 1.30 )
Ranked among companies with meaningful Dividend Yield % only.
NNI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.26  Med: 1.15 Max: 2.87
Current: 1.3
0.26
2.87
Dividend Payout Ratio 0.09
NNI's Dividend Payout Ratio is ranked higher than
97% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 0.32 vs. NNI: 0.09 )
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: 0.09
0.03
0.39
3-Year Dividend Growth Rate 7.70
NNI's 3-Year Dividend Growth Rate is ranked higher than
54% of the 99 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 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 % 1.40
NNI's Forward Dividend Yield % is ranked lower than
77% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. NNI: 1.40 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.64
NNI's 5-Year Yield-on-Cost % is ranked lower than
73% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. NNI: 1.64 )
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: 1.45 Max: 3.63
Current: 1.64
0.33
3.63
3-Year Average Share Buyback Ratio 3.20
NNI's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: -5.00 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 0.87
NNI's Price-to-Tangible-Book is ranked higher than
59% of the 365 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NNI: 0.87 )
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: 1.45 Max: 5.54
Current: 0.87
0.87
5.54
Price-to-Intrinsic-Value-Projected-FCF 0.33
NNI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
84% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. NNI: 0.33 )
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: 0.18  Med: 0.33 Max: 0.42
Current: 0.33
0.18
0.42
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.23
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: 0.89 vs. NNI: 0.23 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.14
NNI's Price-to-Median-PS-Value is ranked lower than
71% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NNI: 1.14 )
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: 0.41  Med: 1.22 Max: 11.19
Current: 1.14
0.41
11.19
Price-to-Peter-Lynch-Fair-Value 1.00
NNI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
57% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. NNI: 1.00 )
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: 0.14  Med: 0.54 Max: 6.02
Current: 1
0.14
6.02
Price-to-Graham-Number 0.50
NNI's Price-to-Graham-Number is ranked higher than
79% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. NNI: 0.50 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NNI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 0.65 Max: 5.53
Current: 0.5
0.41
5.53
Earnings Yield (Greenblatt) % 1.60
NNI's Earnings Yield (Greenblatt) % is ranked lower than
69% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.64 vs. NNI: 1.60 )
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: 1.6
0.1
1.7
Forward Rate of Return (Yacktman) % 23.94
NNI's Forward Rate of Return (Yacktman) % is ranked higher than
71% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 10.06 vs. NNI: 23.94 )
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: 15.5  Med: 29.6 Max: 99
Current: 23.94
15.5
99

More Statistics

Revenue (TTM) (Mil) $860.0
EPS (TTM) $ 6.09
Beta0.83
Short Percentage of Float1.64%
52-Week Range $31.49 - 55.01
Shares Outstanding (Mil)42.22

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 4.53 4.26
EPS without NRI ($) 4.53 4.26
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.58 0.66
» More Articles for NNI

Headlines

Articles On GuruFocus.com
Nelnet Reports First Quarter 2017 Results May 08 2017 
Growing Earnings for 7 Undervalued Stocks Apr 17 2017 
Nelnet to Announce First Quarter Results on May 8 Apr 14 2017 
7 Stocks With Rising Revenue and EPS Apr 11 2017 
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 

More From Other Websites
Nelnet Student Loan Trust 2017-1 -- Moody's assigns definitive ratings to Nelnet Student Loan Trust... May 24 2017
Trump to offer exclusive contract to service U.S. student loans May 19 2017
Nelnet Student Loan Trust 2017-1 -- Moody's assigns provisional ratings to Nelnet Student Loan Trust... May 16 2017
Nelnet, Inc. breached its 50 day moving average in a Bearish Manner : NNI-US : May 10, 2017 May 10 2017
Nelnet posts 1Q profit May 08 2017
Nelnet Reports First Quarter 2017 Results May 08 2017
Nelnet, Inc. breached its 50 day moving average in a Bullish Manner : NNI-US : April 21, 2017 Apr 21 2017
Nelnet to Announce First Quarter Results on May 8 Apr 14 2017
Nelnet Student Loan Trust 2013-2 -- Moody's upgrades Cl. B of Nelnet Student Loan Trust 2013-2 Apr 13 2017
Nelnet, Inc. : NNI-US: Dividend Analysis : March 01st, 2017 (record date) : By the numbers : March... Mar 31 2017
Nelnet, Inc. :NNI-US: Earnings Analysis: Q4, 2016 By the Numbers : March 2, 2017 Mar 02 2017
Nelnet Reports Fourth Quarter 2016 Results Feb 27 2017
Post Earnings Coverage as Visa Reported Robust Results: Revenue Surged 25%, Adjusted EPS Soared 23% Feb 16 2017
Nelnet, Inc. breached its 50 day moving average in a Bullish Manner : NNI-US : February 14, 2017 Feb 14 2017
Nelnet, Inc. Announces Results to Date of Cash Tender Offer and Consent Solicitation for 7.400%... Feb 06 2017
Nelnet Board Approves Dividend Feb 03 2017
Moody's upgrades three tranches in Nelnet Education Loan Funding, Inc. (2004 Indenture) Jan 31 2017
Nelnet, Inc. Increases Tender Offer Consideration of Cash Tender Offer and Consent Solicitation for... Jan 30 2017
Nelnet, Inc. : NNI-US: Dividend Analysis : December 01st, 2016 (record date) : By the numbers :... Jan 25 2017

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