NNI : NYSE : Financial
$41.95 | %
Today's Range: 41.67 - 42.85
Avg. Daily Volume: 82100.0
03/24/17 - 4:02 PM ET

Financial Analysis


NELNET INC's gross profit margin for the fourth quarter of its fiscal year 2016 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 9.40% from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)290.29301.13
EBITDA ($mil)180.61188.11
EBIT ($mil)171.49180.9
Net Income ($mil)98.3583.35


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)1170.421058.16
Total Assets ($mil)27180.1130485.91
Total Debt ($mil)24668.4928173.64
Equity ($mil)2061.661884.43


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin62.2262.47
EBITDA Margin62.2162.46
Operating Margin59.0860.08
Sales Turnover0.040.04
Return on Assets0.940.87
Return on Equity12.4514.22
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.920.94
Interest Expense107.3480.87
Interest Coverage1.62.24


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)42.1143.95
Div / share0.140.12
EPS2.321.86
Book value / share48.9642.87
Institutional Own % n/a n/a
Avg Daily Volume81389.082566.0

Valuation


SELL. This stock's P/E ratio indicates a discount compared to an average of 13.07 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 26.33. Conducting a second comparison, its price-to-book ratio of 0.86 indicates a significant discount versus the S&P 500 average of 2.93 and a discount versus the industry average of 2.15. 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 7.01 Peers 13.07   NNI 5.46 Peers 6.05

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.

 

Average. 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 valuation on par 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 9.54 Peers 12.78   NNI NM Peers 7.88

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 0.86 Peers 2.15   NNI 2.20 Peers -2.04

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 1.50 Peers 1.92   NNI -1.07 Peers 6.25

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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