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Nelnet, Inc. NNI

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Price alert · NNI

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127.01 USD -0.57 (-0.45%)

At closeNov 5, 2026, 4:00 PM EST

127.01 0.00 0.00%

After hours · Nov 5, 4:00 PM ET

125.95 Day range 129.99
121.88 52-week range 144.23
YTD
-4.48%
1 year
-2.31%

Financial health

Altman Z-Score

2.33 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 2
  • P/B 3

Valuation

P/E 11.5×
FY 2016: 8.4×FY 2017: 13.2×FY 2018: 9.3×FY 2019: 16.5×FY 2020: 7.9×FY 2021: 9.6×FY 2022: 8.5×FY 2023: 36.9×FY 2024: 21.3×FY 2025: 11.5×
FY 2016 5y median 11.5× FY 2025
P/S 2.1×
FY 2016: 1.8×FY 2017: 1.9×FY 2018: 1.3×FY 2019: 1.4×FY 2020: 2.0×FY 2021: 2.6×FY 2022: 1.9×FY 2023: 1.8×FY 2024: 2.1×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
P/B 1.3×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.2× FY 2025
P/FCF 12.2×
FY 2016: 8.3×FY 2017: 31.7×FY 2018: 14.5×FY 2019: 11.2×FY 2020: 11.6×FY 2021: 8.8×FY 2022: 5.5×FY 2023: 9.2×FY 2024: 6.1×FY 2025: 12.2×
FY 2016 5y median 8.8× FY 2025
EV/EBITDA 10.5×
FY 2016: 51.3×FY 2017: 64.6×FY 2018: 51.4×FY 2019: 61.4×FY 2020: 33.8×FY 2021: 33.5×FY 2022: 26.4×FY 2023: 69.9×FY 2024: 33.3×FY 2025: 10.5×
FY 2016 5y median 33.3× FY 2025
EV/Sales 5.1×
FY 2016: 22.4×FY 2017: 20.0×FY 2018: 14.4×FY 2019: 13.5×FY 2020: 16.0×FY 2021: 15.0×FY 2022: 9.9×FY 2023: 8.2×FY 2024: 6.5×FY 2025: 5.1×
FY 2016 5y median 8.2× FY 2025
FCF Yield 8.2%
FY 2016: 12.0%FY 2017: 3.2%FY 2018: 6.9%FY 2019: 9.0%FY 2020: 8.6%FY 2021: 11.4%FY 2022: 18.3%FY 2023: 10.9%FY 2024: 16.4%FY 2025: 8.2%
FY 2016 5y median 11.4% FY 2025

Profitability

Gross Margin 87.0%
FY 2016: 66.4%FY 2017: 59.3%FY 2018: 58.8%FY 2019: 56.0%FY 2020: 71.3%FY 2021: 88.4%FY 2022: 74.4%FY 2023: 53.0%FY 2024: 60.2%FY 2025: 87.0%
FY 2016 5y median 74.4% FY 2025
Operating Margin 50.6%
FY 2016: 33.4%FY 2017: 19.2%FY 2018: 17.0%FY 2019: 10.5%FY 2020: 32.8%FY 2021: 35.4%FY 2022: 27.6%FY 2023: 3.8%FY 2024: 12.4%FY 2025: 50.6%
FY 2016 5y median 27.6% FY 2025
Net Margin 18.9%
FY 2016: 21.5%FY 2017: 14.7%FY 2018: 13.6%FY 2019: 8.5%FY 2020: 25.7%FY 2021: 27.7%FY 2022: 22.4%FY 2023: 5.0%FY 2024: 10.0%FY 2025: 18.9%
FY 2016 5y median 18.9% FY 2025
ROE 11.6%
FY 2016: 12.5%FY 2017: 8.1%FY 2018: 9.9%FY 2019: 5.9%FY 2020: 13.4%FY 2021: 13.3%FY 2022: 12.7%FY 2023: 2.8%FY 2024: 5.5%FY 2025: 11.6%
FY 2016 5y median 11.6% FY 2025
ROIC 6.2%
FY 2016: 13.2%FY 2017: 8.4%FY 2018: 8.6%FY 2019: 0.6%FY 2020: 1.5%FY 2021: 1.8%FY 2022: 2.1%FY 2023: 0.3%FY 2024: 1.4%FY 2025: 6.2%
FY 2016 5y median 1.8% FY 2025
ROA 3.0%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 0.6%FY 2020: 1.6%FY 2021: 1.8%FY 2022: 2.1%FY 2023: 0.5%FY 2024: 1.3%FY 2025: 3.0%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 22.6%
FY 2016: 7.5%FY 2017: -1.3%FY 2018: 42.6%FY 2019: -0.2%FY 2020: -18.2%FY 2021: 3.3%FY 2022: 28.1%FY 2023: -0.1%FY 2024: 1.8%FY 2025: 22.6%
FY 2016 FY 2025
Operating Income 400.9%
FY 2016: -5.2%FY 2017: -43.2%FY 2018: 26.3%FY 2019: -38.3%FY 2020: 154.9%FY 2021: 11.5%FY 2022: -0.1%FY 2023: -86.3%FY 2024: 232.7%FY 2025: 400.9%
FY 2016 FY 2025
EPS (diluted) 130.7%
FY 2016: 2.2%FY 2017: -31.2%FY 2018: 34.5%FY 2019: -36.4%FY 2020: 154.8%FY 2021: 13.1%FY 2022: 4.2%FY 2023: -77.5%FY 2024: 110.0%FY 2025: 130.7%
FY 2016 FY 2025
Free Cash Flow -38.2%
FY 2016: -31.2%FY 2017: -72.2%FY 2018: 104.0%FY 2019: 41.5%FY 2020: 14.2%FY 2021: 78.7%FY 2022: 48.2%FY 2023: -42.5%FY 2024: 78.9%FY 2025: -38.2%
FY 2016 FY 2025

Financial Health

Current Ratio 382×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 382×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 382×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 382×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 2.1×
FY 2016: 12.0×FY 2017: 9.9×FY 2018: 9.6×FY 2019: 8.6×FY 2020: 7.3×FY 2021: 6.0×FY 2022: 4.6×FY 2023: 3.6×FY 2024: 2.5×FY 2025: 2.1×
FY 2016 5y median 3.6× FY 2025
Net Debt / EBITDA 6.1×
FY 2016: 47.2×FY 2017: 58.4×FY 2018: 46.9×FY 2019: 55.2×FY 2020: 29.6×FY 2021: 27.6×FY 2022: 21.4×FY 2023: 54.5×FY 2024: 22.5×FY 2025: 6.1×
FY 2016 5y median 22.5× FY 2025
Interest Coverage 2.3×
FY 2016: 1.0×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 1.4×FY 2021: 2.8×FY 2022: 1.2×FY 2023: 0.1×FY 2024: 0.3×FY 2025: 2.3×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.2%FY 2021: 0.9%FY 2022: 1.1%FY 2023: 1.2%FY 2024: 1.0%FY 2025: 0.9%
FY 2016 5y median 1.0% FY 2025
Payout Ratio 10.0%
FY 2016: 8.3%FY 2017: 13.9%FY 2018: 11.8%FY 2019: 20.8%FY 2020: 9.0%FY 2021: 8.8%FY 2022: 9.0%FY 2023: 43.9%FY 2024: 22.2%FY 2025: 10.0%
FY 2016 5y median 10.0% FY 2025

Annual · latest fiscal year ends 2025-12-31