Stocktoria
NELNET INC NNI
NELNET INC (NNI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 0.89% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-01-08 | TD Cowen | Hold (main) |
| 2025-11-10 | TD Cowen | Hold (main) |
| 2024-08-12 | TD Cowen | Hold (main) |
| 2024-05-14 | TD Cowen | Hold (main) |
| 2023-11-01 | TD Cowen | Market Perform (init) |
| 2023-05-11 | Credit Suisse | Neutral (reit) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NNI | NELNET INC | 5/9 | — | 11.3 | — |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
All Finance, Insurance & Real Estate companies →
About NELNET INC
Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide. The company operates through four segments: Loan Servicing and Systems, Education Technology Services and Payments, Asset Generation and Management, and Nelnet Bank. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer, payment processing, due diligence procedures, funds management reconciliation, and claim processing services. This segment also offers student loan servicing software; and business process outsourcing services primarily in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels, and processing and administrative services. The Education Technology Services and Payments segment provides financial management services; school information system software; a donation platform; education technology solutions; and customized professional development and coaching, and advanced learning and educational instruction services. This segment 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; learning management system; an integrated commerce payment platform; and a school management platform that provides administrative, information and financial management, and communication functions for K-12 schools. The Asset Generation and Management segment invest, allocates an manages loan assts. The Nelnet Bank segment operates as an internet industrial bank. It also offers investment advisory, investment, and reinsurance services, as well as engages in the real estate investment; and solar engineering, procurement, and construction businesses. The company was founded in 1977 and is headquartered in Lincoln, Nebraska.
FAQ
Is NNI financially healthy?
NELNET INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does NNI pay a dividend, and is it safe?
Yes. NELNET INC pays a dividend yielding about 0.89% with a 10.0% payout ratio, rated “safe” for safety.
How profitable is NNI?
In FY2025, NELNET INC had a return on equity of 11.6%.
Is NNI overvalued or undervalued?
NELNET INC trades at about 10.7× trailing earnings — above its 10-year norm (10-year range 5.8×–36.3×, median 8.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for NNI?
The average Wall-Street price target for NELNET INC is $135.00, about 6.8% above the recent price, from 1 analysts.
Is NNI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NELNET INC: a Piotroski F-score of 5/9, a P/E of about 11.3×, a dividend yield of 0.89%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.