NNI Stock Analysis: Buy, Sell, or Hold?

NNI - Nelnet, Inc. Class A

PERSONAL CREDIT INSTITUTIONS
$133.19
3.64 (2.81%) ▲
5d: +1.71%
30d: +3.29%
90d: +2.77%
HOLD
MODERATE Confidence
Analysis Updated: Jun 24, 2026 12:00 AM ET
Earnings: Aug 05, 2026

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
📊 HOLD: NNI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$210.54
Based on 9.0% avg growth
INTRINSIC VALUE TODAY
$130.73
Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 14.0x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: NNI is currently trading at $133.19, which is considered extended relative to its 30-day fair value range of $128.26 to $130.57. The stock's valuation (Forward PE: 13.6) is in line with its historical norms (14.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, NNI is showing sideways momentum. The price is approaching resistance at $132.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: NNI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position EXTENDED
Historical Trading Range $128.26 - $130.57
Company Quality Score 61/100 (BUY)
Volume Confirmation HIGH
Confidence Score 57.1%

All Signals

  • BEARISH: Price extended above range
  • BULLISH: Strong technical setup (60/100)
  • BULLISH: High volume confirmation
  • NEUTRAL: Near Wall St target ($135.00)

Trading Range Analysis

30-Day Trading Range $128.26 - $130.57
Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $126.83
Resistance Level $132.00
Current Trend Sideways
Technical data as of Jun 9, 2026

Fundamental Context

Forward P/E (Next Year Est.) 13.59
Wall Street Target $135.00 (+1.4%)
Revenue Growth (YoY) -7.1%
Earnings Growth (YoY) -12.9%
Profit Margin 25.3%
Valuation Discount vs History -1.1% cheaper
PE vs Historical 13.6 vs 14.0 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -1.1% (market-implied from PE analysis)
1-Year Target $131.72 (-1%)
2-Year Target $130.28 (-2%)
3-Year Target $128.84 (-3%)
3-Yr Target (if PE normalizes) (PE: 14→14) $132.72 (0%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 21.8, Growth: 14.0%) $315.84 (+137%)
Base: (SPY PE: 13.6, Growth: 14.0%) $197.09 (+48%)
Bear: (PE: 11.6, Growth: 14.0%) $167.52 (+26%)
📈 Valuation based on Current Earnings
Trailing PE: 11.29 | Current EPS (TTM): $11.49
Bull Case $121.71 (-6%)
Analyst growth -14.7%, PE expands to 12.4
Base Case $110.65 (-15%)
Market implied -14.7%, PE stable at 11.3
Bear Case $88.22 (-32%)
Severe decline -20.0%, PE contracts to 9.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡 Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.6 to 14.0
Stabilization Target: $137.20 (+3.0%)
PE Expansion Potential: +3.0%
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Last updated: June 24, 2026 5:45 PM ET
Data refreshes hourly during market hours. Next update: 6:45 PM
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Insider Activity (6 Months)
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NEUTRAL

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