NNI : NYSE : Financial
$39.74 -0.62 | -1.5%
Today's Range: 39.7254 - 40.56
Avg. Daily Volume: 82800.0
05/24/17 - 9:47 AM ET

Financial Analysis


NELNET INC's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. Even though sales decreased, the net income has increased.

During the same period, stockholders' equity ("net worth") has increased by 12.24% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)299.41302.47
EBITDA ($mil)192.02196.1
EBIT ($mil)183.42188.46
Net Income ($mil)50.0347.96


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)989.591076.15
Total Assets ($mil)26141.2229589.35
Total Debt ($mil)23594.5227349.89
Equity ($mil)2108.191878.25


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin64.1364.83
EBITDA Margin64.1364.83
Operating Margin61.2662.31
Sales Turnover0.050.04
Return on Assets0.990.84
Return on Equity12.2713.37
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.920.94
Interest Expense106.990.41
Interest Coverage1.722.08


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)42.2242.49
Div / share0.140.12
EPS1.181.11
Book value / share49.9444.21
Institutional Own % n/a n/a
Avg Daily Volume80751.076703.0

Valuation


SELL. This stock's P/E ratio indicates a discount compared to an average of 13.14 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 25.02. Conducting a second comparison, its price-to-book ratio of 0.80 indicates a significant discount versus the S&P 500 average of 3.00 and a discount versus the industry average of 2.05. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, NELNET INC proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
NNI 6.60 Peers 13.14   NNI 5.73 Peers 6.71

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

NNI is trading at a significant discount to its peers.

 

Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

NNI is trading at a discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
NNI 9.13 Peers 13.47   NNI NM Peers 6.96

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

NNI is trading at a significant discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

NNI's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
NNI 0.80 Peers 2.05   NNI 8.75 Peers -38.57

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

NNI is trading at a significant discount to its peers.

 

Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

NNI is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
NNI 1.44 Peers 1.77   NNI -2.20 Peers 5.34

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

NNI is trading at a discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

NNI significantly trails its peers on the basis of sales growth

 

 

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