Nelnet, Inc.
NNIFinancial ServicesNASDAQCredit Services · Last scanned May 30, 2026
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Daily timeframeNelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide. At a $4.69B market cap, Nelnet, Inc. ranks as a mid-cap company within financial services. The company operates through four segments: Loan Servicing and Systems, Education Technology Services and Payments, Asset Generation and Management, and Nelnet Bank.
Market Cap
$4.69B
Beta
0.83
P/E (TTM)
11.35
P/E (Fwd)
13.06
EPS (TTM)
$11.50
EPS (Fwd)
$10.00
ROE
10.7%
ROA
2.6%
Cash
$241.2M
Total Debt
$7.70B
Free CF
—
52W Change
12.2%
Annual Financials
Cash vs Debt
On the balance sheet, NNI has $241.2M in cash with $7.70B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 10.7%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.6% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $1.39B (2022) to $1.35B (2025).
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Nelnet, Inc.'s trajectory.