Valuation dashboard for Nelnet, Inc. (NNI) with P/E 14.63, P/B 1.17, EV/EBITDA 20.05 and dividend yield 1.08%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
Nelnet, Inc. operates globally, encompassing a variety of businesses including loan management, telecommunications, educational technology, related services, and payment processing solutions. Its Loan Servicing and Systems division offers comprehensive support for loan operations. This includes converting and processing loan applications, managing borrower data, providing customer service, handling payments, executing due diligence, reconciling funds, and processing claims.
Analysis Summary
Nelnet, Inc. reported revenue of $2.26B in the most recent fiscal year, growing at a 5-year CAGR of 10.5%. Net income reached $428.5M, with a 4.0% 5-year CAGR.
Trailing-twelve-month margins: gross margin 82.7%, operating margin 30.3%, net margin 16.3%.
At $121.88 (closing price, October 28, 2026), NNI trades at a P/E of 14.63 and an ROE of 8.15%. Market capitalisation stands at $4.4B.
Balance sheet quality for NNI: current ratio of 382.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 14.63 |
| Price / Book | 1.17 |
| EV / EBITDA | 20.05 |
| Dividend Yield | 1.08% |
Valuation Models
| DCF Fair Value | $372.29 |
| vs Current Price | +205.5% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| NNI | Nelnet, Inc. | $4.4B | 14.63 | 1.17 | 8.1% |
| UPST | Upstart Holdings, Inc. | $2.3B | 47.20 | 2.87 | 7.9% |
| SNEX | StoneX Group Inc. | $6.9B | 9.90 | 2.28 | 20.2% |
| CACC | Credit Acceptance Corporation | $5.7B | 11.98 | 3.59 | 32.4% |
| JSM | Navient Corporation SR NT 6% 121543 | $4.3B | 0.62 | -2.0% | |
| SLM | SLM Corporation | $3.7B | 7.06 | 1.46 | 23.6% |
| AUB | Atlantic Union Bankshares Corporation | $5.6B | 10.73 | 0.00 | 0.0% |
| AX | Axos Financial, Inc. | $5.2B | 10.80 | 1.68 | 16.4% |
Price
| Price | $121.88 (closing price, October 28, 2026) |
| Market Cap | $4.4B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 8.15% |
| Return on Invested Capital | 3.48% |
| Return on Assets | 2.12% |
| Gross Margin | 82.73% |
| Operating Margin | 30.35% |
| Net Margin | 16.27% |
Related companies: UPST · SNEX · CACC · JSM · SLM · AUB · AX · MC
Explore sector: Financial Services · Financial - Credit Services
More sections of NNI: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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