NNI : NYSE : Financial
$48.59 -0.33 | -0.67%
Today's Range: 48.44 - 49.14
Avg. Daily Volume: 85500.0
07/26/17 - 3:59 PM 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
Interest Expense106.990.41
Interest Coverage1.722.08

Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)42.2242.49
Div / share0.140.12
Book value / share49.9444.21
Institutional Own % n/a n/a
Avg Daily Volume83604.077686.0


SELL. This stock's P/E ratio indicates a discount compared to an average of 14.82 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 24.66. Conducting a second comparison, its price-to-book ratio of 0.96 indicates a significant discount versus the S&P 500 average of 3.07 and a discount versus the industry average of 2.25. 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.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
NNI 7.90 Peers 14.82   NNI 6.86 Peers 5.36

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.


Premium. 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 significant premium to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
NNI 10.75 Peers 14.09   NNI NM Peers 6.39

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.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
NNI 0.96 Peers 2.25   NNI 8.75 Peers -38.46

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.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
NNI 1.72 Peers 1.90   NNI -2.20 Peers 5.72

Average. 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 valuation on par with 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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