NNI
Nelnet, Inc.Finance · ·
$134.85
▼ $0.99 (-0.7%)
Market Cap
—
Day Range
$133.24 - $136.84
52-Week Range
$116.62 - $144.38
Beta
—
Next Earnings
04.11.2026
🏢 Similar Stocks in the Same Sector
+6.9% (1Y)
This score and all analysis on this page are for informational and educational purposes only and do not constitute investment advice. Read the full disclaimer
Weighted: Technical 25% · Fundamental 20% · Growth 15% · Valuation 15% · News 10% · Quality 10% · Risk 5%
🔍 Cross-Check
Overall Score
🟡 Mixed
Technical Trend
🟢 Bullish
✅ Why is the score relatively high?
- 🟢 Earnings per share (EPS) growth: 134.9%
- 🟢 Net income growth: 132.8%
- 🟢 Price is above the 50-day average
- 🟢 Price is above the 200-day average
- 🟢 MACD histogram is positive — rising momentum
⚠️ What's concerning?
- 🔴 Estimated fair value: -$2.30 vs. price $134.85 (-101.7%)
- 🔴 Free cash flow growth: -38.2%
- 🔴 Debt/equity: 2.11
- 🔴 -9.0% over the last 3 months relative to the index
- 🔴 Price is below the SAR point — downtrend
🚦 Quality & Risk Checks
📰 News Trend
Based on real financial news (Finnhub)Everyone's writing about Nelnet, Inc.. News trend score: 50. Reason: The mix of positive and negative articles is balanced — 0 vs. 0 out of the last 1 articles.
News trend analysis is based on article sentiment only, and is not investment advice or financial counsel. Read the full disclaimer
📈 Technical Analysis
Based on the last 252 trading days, calculated from real price data. Click an indicator for details and a chart.
🟢 Most indicators support an uptrend (7 bullish · 2 bearish · 2 neutral)
Conclusions
- 🟢Price vs. SMA 50 — Price is above the 50-day average
- 🟢Price vs. SMA 200 — Price is above the 200-day average
- 🟢MACD — MACD histogram is positive — rising momentum
- 🟢RSI — RSI 50.6 — healthy positive momentum
- 🟡Stochastic — %K 41.2 — neutral range
- 🟡ADX (trend strength) — ADX 22.4 — weak trend/choppy
- 🟢Volume trend — Rising volume supports the price advance
- 🔴Relative strength vs. S&P 500 — -9.0% over the last 3 months relative to the index
- 🟢ROC (rate of change) — ROC 12 days: 1.0%
- 🔴Parabolic SAR — Price is below the SAR point — downtrend
- 🟢CMF (money flow) — CMF 20 days: 0.06
Wyckoff Method Analysis
A market-structure read based purely on real price and volume data — not full classic Wyckoff schematic identification (Phase A-E), but a quantitative analysis of what can reliably be computed: trading ranges, "effort vs. result", volume within the range, and Spring/Upthrust detection.
The stock is in a clear uptrend with no defined trading range in the period examined.
Medium confidence
Evidence Behind This Read
- 🟢Rising price trend — A 4.2% change over the last 50 days, with no defined trading range.
The Wyckoff Method, developed by Richard Wyckoff in the early 20th century, reads the balance of supply and demand through price and volume, based on the premise that large investors ("smart money") quietly accumulate shares before rallies and quietly distribute them before declines. The read here is based solely on real price and volume data — full, precise identification of classic Wyckoff patterns (such as Phases A-E) requires human chart-reading experience and judgment, so this is an approximate algorithmic read, not a substitute for professional analysis. This should not be considered investment advice.
🎯 Trade Planning (M.A.E.E Framework)
Based on a mechanical trading method: market structure → value zone → ATR-based exit point. Not investment advice — a calculation tool only.
1️⃣ Market Structure
🟡 Range
The price is oscillating around the 200-day average with no clear direction — the method recommends great caution here (buying at the bottom of the range / selling at the top) or avoiding trading altogether.
2️⃣ Value Zone
🟢 Price in value zone
The price is close to the 50-day moving average — per the method, this is a reasonable area to look for an entry, rather than chasing the price far from it.
💰 Financial Health
Profitability
Gross Margin
—
Operating Margin
—
Net Margin
—
EBITDA Margin
—
Efficiency
ROE
11.6%
ROA
3.0%
ROIC
—
EPS
$11.79
Balance Sheet
Cash
$295.98M
Total Debt
$7.78B
Current Ratio
—
Debt/Equity
2.11
Conclusions
- 🟡Return on equity (ROE) — Return on equity (ROE): 11.6% — reasonable
- 🔴Return on assets (ROA) — Return on assets (ROA): 3.0% — weak
- 🔴Debt-to-equity — Debt/equity: 2.11
🚀 Growth
Revenue
אין נתונים היסטוריים זמינים.
Earnings per Share (EPS)
Net Income
Free Cash Flow (FCF)
Conclusions
- 🟢Earnings per share (EPS) growth — Earnings per share (EPS) growth: 134.9%
- 🔴Free cash flow growth — Free cash flow growth: -38.2%
- 🟢Net income growth — Net income growth: 132.8%
💵 Dividends
Total dividend per share paid each year, over the last 5 years.
Annual Dividend per Share
| Ex-Dividend Date | Amount per Share |
|---|---|
| 1.6.2026 | $0.330 |
| 27.2.2026 | $0.330 |
| 1.12.2025 | $0.330 |
| 2.9.2025 | $0.300 |
| 2.6.2025 | $0.280 |
| 28.2.2025 | $0.280 |
| 2.12.2024 | $0.280 |
| 30.8.2024 | $0.280 |
| 31.5.2024 | $0.280 |
| 29.2.2024 | $0.280 |
| 30.11.2023 | $0.280 |
| 31.8.2023 | $0.260 |
💎 Fair Value (Valuation)
Current Price
$134.85
Estimated Fair Value (DCF)
-$2.30
Gap
-101.7%
🔴 Appears expensive relative to estimated value
Show all model (DCF) assumptions →
Year 1 Growth Rate
10.0%
Discount Rate (WACC)
9.0%
Terminal Growth Rate
2.5%
Projection Years
5
| Year | Growth Rate | Projected FCF | Present Value |
|---|---|---|---|
| 1 | 10.0% | $436.42M | $400.39M |
| 2 | 8.1% | $471.88M | $397.17M |
| 3 | 6.3% | $501.37M | $387.15M |
| 4 | 4.4% | $523.31M | $370.73M |
| 5 | 2.5% | $536.39M | $348.62M |
Base FCF (last actual year)
$396.75M
Terminal Value
$8.46B
Present Value of Terminal Value
$5.50B
Enterprise Value
$7.40B
Net Debt
$7.48B
Equity Value
$-83.46M
*The DCF model is an estimate based on assumptions — not a guaranteed forecast. You can change the assumptions to examine different scenarios.
Book Value per Share
$101.42
Tangible Book Value per Share (Tangible NAV)
$96.27
Conclusions
- 🔴DCF Fair Value — Estimated fair value: -$2.30 vs. price $134.85 (-101.7%)
- 🟡Tangible Net Asset Value (NAV) — NAV per share: $96.27
- 🟢P/E — P/E: 11.4
🕴️ Insider Trading
Real transactions by officers and insiders, as reported to the SEC on Form 4 — 0 purchases and 0 sales out of the last 25 filings.
| Name | Transaction Type | Date | Shares | Change | Price |
|---|---|---|---|---|---|
| Kruger James D | Gift | 9.7.2026 | 2,500 | -2,500 | — |
| HENNING THOMAS EDWARD | Grant/Award from Employer | 15.6.2026 | 59,312 | +1,738 | $110.76 |
| Graff David S | Grant/Award from Employer | 15.6.2026 | 31,860 | +1,535 | $110.76 |
| Rath Kimberly Kay | Grant/Award from Employer | 15.6.2026 | 65,229 | +1,535 | $110.76 |
| Van Deun Jona M | Grant/Award from Employer | 15.6.2026 | 1,111 | +407 | $110.76 |
| Van Deun Jona M | Grant/Award from Employer | 15.6.2026 | 8,398 | +1,219 | $110.76 |
| Farrell Kathleen Anne | Grant/Award from Employer | 15.6.2026 | 22,570 | +1,626 | $110.76 |
| Bansal Preeta D | Grant/Award from Employer | 15.6.2026 | 20,243 | +1,626 | $110.76 |
| Dunlap Matthew W | Tax Withholding in Shares | 10.6.2026 | 17,054 | -15 | $130.72 |
| Kruger James D | Gift | 30.4.2026 | 5,000 | -5,000 | — |
| Munn William J | Gift | 15.4.2026 | 6,872 | -1,052 | — |
| Munn William J | Gift | 15.4.2026 | 12,155 | +1,052 | — |
| MAGNOLIA CAPITAL FUND, LP | Exercise of Derivative Securities | 30.3.2026 | 1,678,520 | +9,544 | — |
| MAGNOLIA CAPITAL FUND, LP | Conversion of Derivative Security | 30.3.2026 | 0 | +9,544 | — |
| Olinger Emily | Tax Withholding in Shares | 10.3.2026 | 4,428 | -111 | $131.23 |
| Olinger Emily | Tax Withholding in Shares | 10.3.2026 | 4,378 | -50 | $131.23 |
| Olinger Emily | Grant/Award from Employer | 10.3.2026 | 6,636 | +2,258 | — |
| Olinger Emily | Grant/Award from Employer | 10.3.2026 | 8,368 | +1,732 | — |
| Olinger Emily | Tax Withholding in Shares | 10.3.2026 | 7,859 | -509 | $132.87 |
| Wenger DeeAnn | Tax Withholding in Shares | 10.3.2026 | 26,276 | -99 | $131.23 |
| Wenger DeeAnn | Tax Withholding in Shares | 10.3.2026 | 26,176 | -100 | $131.23 |
| Wenger DeeAnn | Tax Withholding in Shares | 10.3.2026 | 26,047 | -129 | $131.23 |
| Wenger DeeAnn | Tax Withholding in Shares | 10.3.2026 | 25,978 | -69 | $131.23 |
| Wenger DeeAnn | Tax Withholding in Shares | 10.3.2026 | 25,733 | -245 | $131.23 |
| Wenger DeeAnn | Grant/Award from Employer | 10.3.2026 | 29,497 | +3,764 | — |
📉 Short Interest
Official FINRA data — the number of shares open in short positions, plus daily short-sale activity.
Monthly Trend — Open Short Interest
553,135 shares short as of 2026-07-15 · vs. 522,025 on 2026-06-30
Official biweekly report (FINRA Rule 4560) — no real higher-frequency data exists for this metric.
Weekly Trend — Daily Short-Sale Activity
40.4% of trading volume this week was short selling, vs. 56.6% the prior week
Based on daily short-sale volume (Reg SHO) — a different metric from the open short interest above: this is daily trading volume, not an open position, so it updates weekly rather than biweekly.
📰 News & Sentiment
Sentiment based on basic keywords (not AI) — 0 positive, 1 neutral, 0 negative out of the last 1 articles.
ChartMill · 6.8.2026