Nelnet, Inc. Logo

Nelnet, Inc.

NNI

(2.5)
Stock Price

105,85 USD

1.09% ROA

3.42% ROE

26.19x PER

Market Cap.

4.036.077.338,00 USD

319.93% DER

1.01% Yield

6.18% NPM

Nelnet, Inc. Stock Analysis

Nelnet, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Nelnet, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.99x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

The stock's ROE falls within an average range (5.92%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (1.08%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Buffet Intrinsic Value

The company's stock seems undervalued (640) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The stock is burdened with a heavy load of debt (388%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

Nelnet, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Nelnet, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Nelnet, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Nelnet, Inc. Revenue
Year Revenue Growth
2000 64.853.000
2001 115.120.000 43.66%
2002 316.129.000 63.58%
2003 296.134.000 -6.75%
2004 522.695.000 43.34%
2005 613.278.000 14.77%
2006 572.000.000 -7.22%
2007 566.716.000 -0.93%
2008 510.354.000 -11.04%
2009 537.555.000 5.06%
2010 706.872.000 23.95%
2011 664.147.000 -6.43%
2012 651.194.000 -1.99%
2013 848.056.000 23.21%
2014 878.222.000 3.43%
2015 824.263.000 -6.55%
2016 803.336.000 -2.61%
2017 691.607.000 -16.15%
2018 998.341.000 30.72%
2019 978.569.000 -2.02%
2020 1.061.086.000 7.78%
2021 1.232.381.000 13.9%
2022 1.405.863.000 12.34%
2023 1.132.048.000 -24.19%
2023 2.131.083.999 46.88%
2024 2.024.484.000 -5.27%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Nelnet, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 3.900.000 100%
2019 0 0%
2020 0 0%
2021 0 0%
2022 3.700.000 100%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Nelnet, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 77.370.000 100%
2002 106.874.000 27.61%
2003 124.273.000 14%
2004 133.667.000 7.03%
2005 172.732.000 22.62%
2006 246.116.000 29.82%
2007 242.946.000 -1.3%
2008 183.393.000 -32.47%
2009 163.514.000 -12.16%
2010 167.080.000 2.13%
2011 177.951.000 6.11%
2012 192.826.000 7.71%
2013 196.169.000 1.7%
2014 228.079.000 13.99%
2015 247.914.000 8%
2016 255.924.000 3.13%
2017 301.885.000 15.22%
2018 436.179.000 30.79%
2019 463.503.000 5.9%
2020 501.832.000 7.64%
2021 507.132.000 1.05%
2022 589.579.000 13.98%
2023 564.816.000 -4.38%
2023 591.537.000 4.52%
2024 558.536.000 -5.91%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Nelnet, Inc. EBITDA
Year EBITDA Growth
2000 4.520.000
2001 7.147.000 36.76%
2002 405.089.000 98.24%
2003 344.465.000 -17.6%
2004 585.750.000 41.19%
2005 1.012.530.000 42.15%
2006 1.516.867.000 33.25%
2007 1.818.617.000 16.59%
2008 1.214.652.000 -49.72%
2009 716.598.000 -69.5%
2010 567.125.000 -26.36%
2011 622.633.000 8.92%
2012 659.421.000 5.58%
2013 774.284.000 14.83%
2014 849.054.000 8.81%
2015 846.305.000 -0.32%
2016 908.794.000 6.88%
2017 841.040.000 -8.06%
2018 1.141.271.000 26.31%
2019 282.303.000 -304.27%
2020 572.002.000 50.65%
2021 582.849.000 1.86%
2022 1.024.785.000 43.12%
2023 1.140.240.000 10.13%
2023 1.088.164.000 -4.79%
2024 1.039.736.000 -4.66%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Nelnet, Inc. Gross Profit
Year Gross Profit Growth
2000 64.853.000
2001 115.120.000 43.66%
2002 316.129.000 63.58%
2003 296.134.000 -6.75%
2004 522.695.000 43.34%
2005 473.186.000 -10.46%
2006 348.354.000 -35.83%
2007 374.512.000 6.98%
2008 502.038.000 25.4%
2009 412.517.000 -21.7%
2010 350.057.000 -17.84%
2011 486.196.000 28%
2012 458.368.000 -6.07%
2013 651.887.000 29.69%
2014 650.143.000 -0.27%
2015 576.349.000 -12.8%
2016 547.412.000 -5.29%
2017 389.722.000 -40.46%
2018 562.162.000 30.67%
2019 515.066.000 -9.14%
2020 559.254.000 7.9%
2021 725.249.000 22.89%
2022 816.284.000 11.15%
2023 567.232.000 -43.91%
2023 1.832.206.999 69.04%
2024 1.770.740.000 -3.47%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Nelnet, Inc. Net Profit
Year Net Profit Growth
2000 4.520.000
2001 7.147.000 36.76%
2002 48.538.000 85.28%
2003 27.103.000 -79.09%
2004 149.179.000 81.83%
2005 181.122.000 17.64%
2006 68.155.000 -165.75%
2007 35.429.000 -92.37%
2008 28.662.000 -23.61%
2009 139.125.000 79.4%
2010 189.034.000 26.4%
2011 204.335.000 7.49%
2012 177.997.000 -14.8%
2013 302.672.000 41.19%
2014 307.610.000 1.61%
2015 267.979.000 -14.79%
2016 256.751.000 -4.37%
2017 173.166.000 -48.27%
2018 227.913.000 24.02%
2019 141.803.000 -60.73%
2020 352.443.000 59.77%
2021 393.286.000 10.39%
2022 407.347.000 3.45%
2023 181.328.000 -124.65%
2023 91.532.000 -98.1%
2024 180.364.000 49.25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Nelnet, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 0
2001 0 0%
2002 1 100%
2003 1 0%
2004 3 100%
2005 3 33.33%
2006 1 -200%
2007 1 0%
2008 1 0%
2009 3 100%
2010 4 33.33%
2011 4 25%
2012 4 -33.33%
2013 7 50%
2014 7 0%
2015 6 -20%
2016 6 16.67%
2017 4 -50%
2018 6 20%
2019 4 -66.67%
2020 9 66.67%
2021 10 10%
2022 11 0%
2023 5 -150%
2023 2 -100%
2024 5 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Nelnet, Inc. Free Cashflow
Year Free Cashflow Growth
2002 120.802.000
2003 136.638.000 11.59%
2004 224.626.000 39.17%
2005 139.913.000 -60.55%
2006 163.297.000 14.32%
2007 252.999.000 35.46%
2008 315.962.000 19.93%
2009 323.502.000 2.33%
2010 182.098.000 -77.65%
2011 296.695.000 38.62%
2012 289.374.000 -2.53%
2013 370.170.000 21.83%
2014 330.961.000 -11.85%
2015 374.604.000 11.65%
2016 257.655.000 -45.39%
2017 71.503.000 -260.34%
2018 145.869.000 50.98%
2019 206.416.000 29.33%
2020 99.503.000 -107.45%
2021 485.915.000 79.52%
2022 624.638.000 22.21%
2023 358.848.000 -74.07%
2023 138.884.000 -158.38%
2024 122.787.000 -13.11%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Nelnet, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 134.210.000
2003 152.999.000 12.28%
2004 241.082.000 36.54%
2005 159.108.000 -51.52%
2006 215.242.000 26.08%
2007 273.060.000 21.17%
2008 321.103.000 14.96%
2009 324.706.000 1.11%
2010 194.868.000 -66.63%
2011 310.862.000 37.31%
2012 299.318.000 -3.86%
2013 387.180.000 22.69%
2014 357.449.000 -8.32%
2015 391.365.000 8.67%
2016 325.257.000 -20.32%
2017 227.508.000 -42.97%
2018 270.892.000 16.02%
2019 298.915.000 9.37%
2020 212.815.000 -40.46%
2021 544.867.000 60.94%
2022 684.059.000 20.35%
2023 432.900.000 -58.02%
2023 154.235.000 -180.68%
2024 133.404.000 -15.61%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Nelnet, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 13.408.000
2003 16.361.000 18.05%
2004 16.456.000 0.58%
2005 19.195.000 14.27%
2006 51.945.000 63.05%
2007 20.061.000 -158.94%
2008 5.141.000 -290.22%
2009 1.204.000 -326.99%
2010 12.770.000 90.57%
2011 14.167.000 9.86%
2012 9.944.000 -42.47%
2013 17.010.000 41.54%
2014 26.488.000 35.78%
2015 16.761.000 -58.03%
2016 67.602.000 75.21%
2017 156.005.000 56.67%
2018 125.023.000 -24.78%
2019 92.499.000 -35.16%
2020 113.312.000 18.37%
2021 58.952.000 -92.21%
2022 59.421.000 0.79%
2023 74.052.000 19.76%
2023 15.351.000 -382.39%
2024 10.617.000 -44.59%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Nelnet, Inc. Equity
Year Equity Growth
2000 54.161.000
2001 63.186.000 14.28%
2002 108.746.000 41.9%
2003 305.489.000 64.4%
2004 456.175.000 33.03%
2005 650.118.000 29.83%
2006 671.850.000 3.23%
2007 608.879.000 -10.34%
2008 643.226.000 5.34%
2009 784.563.000 18.01%
2010 906.633.000 13.46%
2011 1.066.205.000 14.97%
2012 1.165.213.000 8.5%
2013 1.443.990.000 19.31%
2014 1.725.678.000 16.32%
2015 1.892.158.000 8.8%
2016 2.070.925.000 8.63%
2017 2.165.387.000 4.36%
2018 2.314.779.000 6.45%
2019 2.391.094.000 3.19%
2020 2.628.349.000 9.03%
2021 2.952.838.000 10.99%
2022 3.199.902.000 7.72%
2023 3.221.915.000 0.68%
2023 3.259.155.000 1.14%
2024 3.220.022.000 -1.22%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Nelnet, Inc. Assets
Year Assets Growth
2000 4.021.948.000
2001 8.134.560.000 50.56%
2002 9.766.583.000 16.71%
2003 11.931.509.000 18.14%
2004 15.160.005.000 21.3%
2005 22.798.622.000 33.5%
2006 26.796.873.000 14.92%
2007 29.162.783.000 8.11%
2008 27.854.897.000 -4.7%
2009 25.876.427.000 -7.65%
2010 25.893.892.000 0.07%
2011 25.852.217.000 -0.16%
2012 26.607.895.000 2.84%
2013 27.770.849.000 4.19%
2014 30.098.143.000 7.73%
2015 30.485.905.000 1.27%
2016 27.180.108.000 -12.16%
2017 23.964.435.000 -13.42%
2018 25.220.968.000 4.98%
2019 23.708.970.000 -6.38%
2020 22.646.160.000 -4.69%
2021 21.678.041.000 -4.47%
2022 19.374.044.000 -11.89%
2023 16.736.645.000 -15.76%
2023 17.222.682.000 2.82%
2024 14.501.193.000 -18.77%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Nelnet, Inc. Liabilities
Year Liabilities Growth
2000 3.967.787.000
2001 8.071.374.000 50.84%
2002 9.657.837.000 16.43%
2003 11.626.020.000 16.93%
2004 14.703.830.000 20.93%
2005 22.148.504.000 33.61%
2006 26.125.023.000 15.22%
2007 28.553.904.000 8.51%
2008 27.211.671.000 -4.93%
2009 25.091.864.000 -8.45%
2010 24.987.259.000 -0.42%
2011 24.786.012.000 -0.81%
2012 25.442.682.000 2.58%
2013 26.326.859.000 3.36%
2014 28.372.465.000 7.21%
2015 28.593.747.000 0.77%
2016 25.109.183.000 -13.88%
2017 21.799.048.000 -15.18%
2018 22.906.189.000 4.83%
2019 21.317.876.000 -7.45%
2020 20.017.811.000 -6.49%
2021 18.725.203.000 -6.9%
2022 16.174.142.000 -15.77%
2023 13.514.730.000 -19.68%
2023 13.963.527.000 3.21%
2024 11.281.171.000 -23.78%

Nelnet, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
50.93
Net Income per Share
4.25
Price to Earning Ratio
26.19x
Price To Sales Ratio
2.17x
POCF Ratio
7.02
PFCF Ratio
7.94
Price to Book Ratio
1.23
EV to Sales
6.81
EV Over EBITDA
11.68
EV to Operating CashFlow
21.86
EV to FreeCashFlow
24.89
Earnings Yield
0.04
FreeCashFlow Yield
0.13
Market Cap
4,04 Bil.
Enterprise Value
12,66 Bil.
Graham Number
92.87
Graham NetNet
-242.1

Income Statement Metrics

Net Income per Share
4.25
Income Quality
3.87
ROE
0.05
Return On Assets
0.01
Return On Capital Employed
0.05
Net Income per EBT
1.01
EBT Per Ebit
0.18
Ebit per Revenue
0.34
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.79
Operating Profit Margin
0.34
Pretax Profit Margin
0.06
Net Profit Margin
0.06

Dividends

Dividend Yield
0.01
Dividend Yield %
1.01
Payout Ratio
0.26
Dividend Per Share
1.12

Operating Metrics

Operating Cashflow per Share
15.86
Free CashFlow per Share
13.92
Capex to Operating CashFlow
0.12
Capex to Revenue
0.04
Capex to Depreciation
0.79
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
158.5
Days Payables Outstanding
26.85
Days of Inventory on Hand
0
Receivables Turnover
2.3
Payables Turnover
13.6
Inventory Turnover
0
Capex per Share
1.93

Balance Sheet

Cash per Share
50,17
Book Value per Share
88,16
Tangible Book Value per Share
82.72
Shareholders Equity per Share
90.19
Interest Debt per Share
309.98
Debt to Equity
3.2
Debt to Assets
0.73
Net Debt to EBITDA
7.96
Current Ratio
21.29
Tangible Asset Value
3,02 Bil.
Net Current Asset Value
9,97 Bil.
Invested Capital
20581381000
Working Capital
20,25 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,84 Bil.
Average Payables
0,03 Bil.
Average Inventory
0
Debt to Market Cap
2.61

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Nelnet, Inc. Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 1 0%
2011 0 0%
2012 1 100%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%
2024 1 0%

Nelnet, Inc. Profile

About Nelnet, Inc.

Nelnet, Inc. engages in loan servicing, communications, education technology, services, and payment processing businesses worldwide. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer service, payment processing, due diligence procedures, funds management reconciliation, and claim processing services. This segment also provides student loan servicing software; business process outsourcing services specialized in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels. The Education Technology, Services, and Payment Processing segment offers financial management services; school information system software; website design and cost effective admissions software; FACTS Giving, a donation platform; and customized professional development and coaching services, educational instruction services, and technology products that aid in teacher and student evaluations. It also offers tuition payment plans, and service and technology for student billings, payments, and refunds; solutions for in-person, online, and mobile payment experiences on campus; payment processing services, such as credit card and electronic transfer; faith community engagement, giving management, and learning management services and technologies; and an integrated commerce payment platform, financial management, and tuition payment plan services, as well as a school management platform that provides administrative, information management, financial management, and communication functions for K-12 schools. The Communications segment provides fiber optic service to homes and businesses for internet, television, and telephone services. The Asset Generation and Management segment acquires, manages, and owns loan assets. The Nelnet Bank segment operates internet industrial banks. The company was founded in 1978 and is headquartered in Lincoln, Nebraska.

CEO
Mr. Jeffrey R. Noordhoek
Employee
7.550
Address
121 South 13th Street
Lincoln, 68508

Nelnet, Inc. Executives & BODs

Nelnet, Inc. Executives & BODs
# Name Age
1 Mr. Timothy Alan Tewes
President
70
2 Mr. Michael Sullivan Dunlap J.D.
Executive Chairman of the Board
70
3 Mr. Jeffrey R. Noordhoek
Chief Executive Officer
70
4 Mr. Terry J. Heimes
Chief Operating Officer
70
5 Ms. Jackie Strohbehn
President of Nelnet Campus Commerce
70
6 Mr. Matthew W. Dunlap
Chief Business Development Officer, President of Nelnet Financial Services & Director
70
7 Ms. Deeann Wenger
President of Nelnet Business Services
70
8 Mr. William J. Munn J.D.
Corporate Secretary, Chief Governance Officer & General Counsel
70
9 Ms. Emily Olinger
Chief People Services Officer
70
10 Mr. Phil Morgan
Investor Relations Contact
70

Nelnet, Inc. Competitors