NNI : NYSE : Financial
$50.11 up 0.39 | 0.78%
Today's Range: 49.66 - 50.7
Avg. Daily Volume: 94100.0
01/20/17 - 12:37 PM ET

Financial Analysis


NELNET INC's gross profit margin for the third quarter of its fiscal year 2016 has increased 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 7.46% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)303.1307.14
EBITDA ($mil)199.3190.18
EBIT ($mil)190.3183.2
Net Income ($mil)84.2948.96


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)1031.791117.56
Total Assets ($mil)27669.6131045.4
Total Debt ($mil)25320.8828827.6
Equity ($mil)1972.091835.15


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin65.7561.92
EBITDA Margin65.7561.91
Operating Margin62.7959.65
Sales Turnover0.040.04
Return on Assets0.870.83
Return on Equity12.2514.07
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.930.94
Interest Expense96.3977.16
Interest Coverage1.972.37


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)42.3244.87
Div / share0.120.1
EPS1.981.09
Book value / share46.640.9
Institutional Own % n/a n/a
Avg Daily Volume90503.060744.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 13.28 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 25.49. Conducting a second comparison, its price-to-book ratio of 1.08 indicates a significant discount versus the S&P 500 average of 2.84 and a discount versus the industry average of 2.19. The price-to-sales ratio is below both the S&P 500 average and 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 9.05 Peers 13.28   NNI 6.16 Peers 7.89

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 10.78 Peers 12.70   NNI NM Peers 5.57

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 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 1.08 Peers 2.19   NNI -1.07 Peers 2.20

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.

 

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

However, NNI is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
NNI 1.79 Peers 2.03   NNI 0.84 Peers 6.11

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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