Nelnet, Inc. (NNI)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$127.31+0.03%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · NNI
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $127 NNI trades at 1.3× p/b, below its 1.6× p/b peer median, but our blended $102 fair value sits below the price. It's a high-confidence read. Even valued only for durable growth at sustainable margins, it's worth about $146 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcff | 12M | $376.44 | — | — | Hist. CAGR | high |
| graham number | 12M | $136.59 | — | — | TTM | high |
| Peer P/B | 12M | $157.44 | 1.6 | 100.88 | TTM | high |
| Peer P/FCF | 12M | $44.86 | 4.4 | 10.10 | TTM | high |
| Peer P/E | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Richer than its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $74.39 |
| 9.0 |
| 8.22 |
| TTM |
| high |
| Peer P/S | 12M | $32.84 | 1.4 | 23.52 | TTM | high |
| residual income | 12M | $102.12 | — | — | TTM | high |
| Own P/E history | 12M | $97.25 | 11.8 | 8.22 | TTM | high |
| triangulated | 12M | $71.17 | 9.0 | 7.86 | Triangulated | high |
| Peer P/B | 3Y | $177.30 | 1.6 | 113.61 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $48.49 | 4.4 | 10.92 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $71.69 | 9.0 | 7.92 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $61.85 | 1.4 | 44.29 | Hist. CAGR(prov.) | medium |
| Own P/E history | 3Y | $93.73 | 11.8 | 7.92 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $191.92 | 1.6 | 122.97 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $51.07 | 4.4 | 11.50 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $63.53 | 9.0 | 7.02 | Hist. CAGR(prov.) | high |
| Peer P/S | 5Y | $54.81 | 1.4 | 39.25 | Hist. CAGR(prov.) | high |
| Own P/E history | 5Y | $83.06 | 11.8 | 7.02 | Hist. CAGR(prov.) | high |