Nelnet Inc (NNI) Stock Analysis
Verdict: AVOID
A structural transition into lower-margin sectors compounded by a 27% earnings miss and aggressive analyst sell-ratings signals a value trap.
Investment score: 38/100
Analysis as of
Is Nelnet Inc stock worth reviewing? AI model thesis
Nelnet is currently a falling knife following a major earnings miss and a 13.6% weekly decline. With 5 out of 8 analysts rating it a 'Sell' and revenue contracting, the model identifies significant downside risk to the $105 support level.
7-factor investment score
- Valuation: 45/100 (weight 20%)
- Financial Health: 25/100 (weight 15%)
- Technical Momentum: 30/100 (weight 15%)
- Earnings Quality: 20/100 (weight 15%)
- Insider Sentiment: 50/100 (weight 10%)
- Analyst Consensus: 15/100 (weight 10%)
- Risk-Adjusted Return: 40/100 (weight 15%)
Nelnet Inc opportunities and risks
What speaks for NNI
- Education Technology Dominance
What speaks against NNI
- Liquidity and Leverage Crisis
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| NNI | 10.6x | 2.1x | 15.2x | 80.8% | 19.5% | 8.4% |
| ALLY | 9.9x | 0.9x | 12.5x | 48.9% | 8.9% | 0.1% |
| FCFS | 28.4x | 2.6x | 12.0x | 49.7% | 9.1% | 5.0% |
| FIGR | 60.5x | 13.5x | 35.0x | 87.2% | 26.4% | -57.2% |
| OMF | 8.2x | 1.0x | 17.2x | 55.2% | 12.6% | 49.5% |
| CACC | 12.6x | 2.4x | 14.3x | 80.3% | 19.6% | 18.9% |
| Peer median | 12.6x | 2.4x | 14.3x | 55.2% | 12.6% | 5.0% |
Frequently asked questions about Nelnet Inc (NNI)
Is NNI stock a good investment?
The cached TradeMates AI model rates Nelnet Inc as AVOID with an investment score of 38/100. Nelnet is currently a falling knife following a major earnings miss and a 13.6% weekly decline. With 5 out of 8 analysts rating it a 'Sell' and revenue contracting, the model identifies significant downside risk to the $105 support level. This is algorithmic model output, not personal investment advice.
Is NNI stock a buy?
The TradeMates model verdict for NNI is AVOID with an investment score of 38/100. Treat this as a model signal to review, not a personal buy recommendation.