Nelnet Inc (NNI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Nelnet Inc stock (NNI) is currently trading at $129.60. Nelnet Inc PE ratio is 10.74. Nelnet Inc PS ratio (Price-to-Sales) is 2.72. Analyst consensus price target for NNI is $140.00. WallStSmart rates NNI as Hold.
- NNI PE ratio analysis and historical PE chart
- NNI PS ratio (Price-to-Sales) history and trend
- NNI intrinsic value — DCF, Graham Number, EPV models
- NNI stock price prediction 2025 2026 2027 2028 2029 2030
- NNI fair value vs current price
- NNI insider transactions and insider buying
- Is NNI undervalued or overvalued?
- Nelnet Inc financial analysis — revenue, earnings, cash flow
- NNI Piotroski F-Score and Altman Z-Score
- NNI analyst price target and Smart Rating
Nelnet Inc
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NNI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Nelnet Inc (NNI)
NNI trades 63% above its Graham fair value of $80.17, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Nelnet Inc (NNI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Nelnet Inc (NNI) Key Strengths (4)
Growing significantly faster than its price suggests
Keeps $26 of every $100 in revenue as net profit
Trading at 1.24x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Nelnet Inc (NNI) Areas to Watch (6)
Revenue declining -8.60%, a shrinking business
Earnings declining -7.60%, profits shrinking
Moderate profitability with room for improvement
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.72x sales
Moderate institutional interest at 48.46%
Supporting Valuation Data
Nelnet Inc (NNI) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 8.8/10) while 6 fall into concern territory (avg 3.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Profit Margin, Price/Book. Valuation metrics including PEG Ratio (0.46), Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Profit Margin at 25.60%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (2.72) suggest expensive pricing. Growth concerns include Revenue Growth at -8.60%, EPS Growth at -7.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.60%, Operating Margin at 17.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -8.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NNI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NNI's Price-to-Sales ratio of 2.72x trades 209% above its historical average of 0.88x (98th percentile), historically expensive. The current valuation is 4% below its historical high of 2.83x set in Mar 2026, and 2919% above its historical low of 0.09x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Nelnet Inc (NNI) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Nelnet Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 1.7B with 9% decline year-over-year. Profit margins are strong at 25.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1160.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 25.6% and operating margin of 17.7% demonstrate strong pricing power and operational efficiency.
Revenue contracted 9% YoY. Worth determining whether this is cyclical or structural.
Debt-to-equity ratio of 2.14 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Dividend sustainability with a current yield of 93.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 7.8B is significantly higher than cash (216M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Nelnet Inc.
Bottom Line
Nelnet Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(49 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:26:17 AM
About Nelnet Inc(NNI)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.