Nelnet Inc (NNI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 135.90 $ — 62% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
Uses AIGeprüft am 10.07.2026 gegen den Geschäftsbericht (10-K) Geschäftsjahr 2025 (eingereicht 26.02.2026), den jüngsten Quartalsbericht (10-Q) per 31.03.2026 sowie die DEF 14A 2026: Nelnet setzt künstliche Intelligenz nachweisbar operativ ein, verkauft sie aber nicht als eigenes Produkt. Im 10-K 2025 (Item 1A Risk Factors) beschreibt der Konzern konkret, KI in Teile des Geschäfts eingebaut zu haben — Kundenanfragen, Qualitätssicherung, Texterkennung (OCR) und Überwachung des Netzwerkverkehrs — und dass dies die operative Effizienz spürbar erhöht habe. Das erfüllt das Kriterium „nutzt KI“ (operativer Einsatz zur Effizienz, keine KI-Umsatzquelle). Kein KI-Produkt ist eine belegte Umsatzquelle: Die Bildungstechnik-/Payment-Sparte (Nelnet Business Services) und die Kreditverwaltung sind Software-/Dienstleistungsgeschäfte, in denen KI als Werkzeug (u. a. eine Lehrer-Coaching-Funktion, die per Video und KI Fortschritt misst) auftaucht, aber nicht als verkauftes KI-Produkt firmiert — damit greift „verkauft KI“ nicht (Vorrang-Regel: verkauft > bedroht > nutzt). KI-Beteiligungen im Venture-Portfolio machen Nelnet nicht zum KI-Verkäufer. Ein konkretes existenzielles KI-Geschäftsrisiko fürs eigene Modell wird nicht als solches ausgewiesen (die genannten KI-Risiken sind Wettbewerbs-, Reputations- und Cyber-Risiken) — „bedroht“ trifft nicht zu. Ergebnis nach Kriterienkatalog: nutzt KI.
View the full file — quotes, sources, reviewed filings
„Our development and deployment of artificial intelligence (AI) technologies has improved operational performance but these advancements also present risks that could result in reputational or competitive harm, legal liability, regulatory scrutiny, and other adverse effects on our business."
Die Entwicklung und der Einsatz von Technologien der künstlichen Intelligenz (KI) haben unsere operative Leistung verbessert, doch diese Fortschritte bringen zugleich Risiken mit sich, die zu Reputations- oder Wettbewerbsschäden, rechtlicher Haftung, regulatorischer Prüfung und anderen nachteiligen Auswirkungen auf unser Geschäft führen können.
„We have incorporated AI into certain aspects of our business, including assistance with handling customer inquiries, quality assurance monitoring, optical character recognition for processing and handling images, and monitoring network traffic. These advancements have significantly enhanced the efficiency and effectiveness of our operational processes."
Wir haben KI in bestimmte Bereiche unseres Geschäfts eingebunden — unter anderem zur Unterstützung bei der Bearbeitung von Kundenanfragen, zur Qualitätssicherung, zur Texterkennung (OCR) für die Verarbeitung von Bildern und zur Überwachung des Netzwerkverkehrs. Diese Fortschritte haben die Effizienz und Wirksamkeit unserer betrieblichen Abläufe deutlich erhöht.
Filings Reviewed: 10-Q 2026-05-07 · 10-Q 2025-11-06 · 10-Q 2025-08-06 · 10-Q 2025-05-08 · 10-K 2026-02-26 · 10-K 2025-02-27
Rated on July 10, 2026 · How the Rating Is Built
Growth Score
7 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 7.6% failed
- More than 10% revenue growth is expected for the coming year 6.1% failed
- Share count grows by less than 3% a year -1.1% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 40.1% passed
- Gross margin at 40% or higher and without meaningful erosion 87.0% passed
- Goodwill from acquisitions does not grow faster than revenue 1.3% passed
- Net debt below twice EBITDA 6.5 x EBITDA failed
- Operating cash flow covers the profits of the last three years 816 m passed
- Return on capital at 15% or higher, or up versus two years ago 8.1% passed
- Insiders hold at least 10% or are net buyers 30.7% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 0.7% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 1
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 8.18 | 8.18 – 8.18 | 1,690 | -31.7% | 1 |
| 12/31/2027 | 9.58 | 9.58 – 9.58 | 1,794 | 17.1% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 2.13 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.73 | – | 434 | 1.10 | 14.50 | 181 | 198 |
| 2025: Q1 | 2.26 | 14.60 | 466 | -9.80 | 17.70 | 91 | 88 |
| 2025: Q2 | 4.97 | 302.90 | 613 | 34.70 | 29.60 | 82 | 78 |
| 2025: Q3 | 2.94 | 4,381.50 | 495 | 13.80 | 21.60 | 112 | 101 |
| 2025: Q4 | 1.59 | -8.20 | 504 | 16.10 | 11.50 | 138 | 130 |
| 2026: Q1 | 1.97 | -12.90 | 526 | 12.70 | 13.50 | 73 | 62 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 1,194 | 399 | 257 | 6.02 | 325 | 2,062 | 27,180 |
| 2017 | 1,178 | 227 | 173 | 4.14 | 228 | 2,150 | 23,964 |
| 2018 | 1,680 | 286 | 228 | 5.57 | 271 | 2,315 | 25,221 |
| 2019 | 1,678 | 177 | 142 | 3.59 | 299 | 2,391 | 23,709 |
| 2020 | 1,373 | 450 | 352 | 9.15 | 213 | 2,628 | 22,646 |
| 2021 | 1,418 | 502 | 393 | 10.37 | 545 | 2,953 | 21,678 |
| 2022 | 1,817 | 502 | 407 | 10.82 | 684 | 3,200 | 19,374 |
| 2023 | 1,814 | 69 | 90 | 2.40 | 432 | 3,254 | 16,712 |
| 2024 | 1,847 | 229 | 184 | 5.02 | 663 | 3,350 | 13,778 |
| 2025 | 2,263 | 1,145 | 428 | 11.79 | 423 | 3,686 | 14,064 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Nelnet, Inc. befasst sich weltweit mit Kreditverwaltung, Bildungstechnologiediensten und Zahlungsgeschäften.
| Employees | 5,744 |
|---|---|
| Headquarters | Lincoln, NE |
| Address | 121 South 13th Street, 68508 Lincoln, United States |
| Phone | 402 458 2370 |
| Website | nelnet.com |
| IPO Date | 11. Dec 2003 |
| ISIN | US64031N1081 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Michael Sullivan Dunlap J.D. | Executive Chairman of the Board | 1963 |
| Jeffrey R. Noordhoek | Chief Executive Officer | 1966 |
| James D. Kruger CPA | Chief Financial Officer | 1963 |
| Terry J. Heimes | Chief Operating Officer | 1964 |
| Matthew W. Dunlap | Chief Business Development Officer, President of Nelnet Financial Services & Director | 1989 |
| Deeann K. Wenger | President of Nelnet Business Services | 1971 |
| Phil Morgan | Director of Investor Relations | – |
| William J. Munn J.D. | Corporate Secretary, Chief Governance Officer & General Counsel | 1968 |
| Emily R. Olinger | Chief People Services Officer | 1983 |
| Jackie Strohbehn | President of Nelnet Campus Commerce | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.