| Company Name: | Nelnet, Inc. | | Ticker Symbol: | NNI | | | WWW Address: | www.nelnet.net | | CEO: | Michael S. Dunlap | | No. of Employees: | 2,200 | | Common Issue Type: | CS | | Business Description: | An education planning and financing company, which is focused on providing quality products and services to students, families, schools, and financial institutions nationwide.
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| | | Industry Information: | FINANCIAL SERVICES - Credit Services [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 17.46 |  -0.13 | 16.84 | 17.91 | 17.64 | 17.90 | 17.30 | 144442 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 669.6 | 38.3 | 1.70 | 0.58 | 0.07 | 7.8 | 1.6 | 18.41 - 4.06 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 17.46 | $ | | PE Ratio - LTM | 7.8 | |
| Market Capitalisation | 669.6 | mil |
| Latest Shares Outstanding | 38.3 | mil |
| Earnings pS (EPS) | 0.58 | $ |
| Dividend pS (DPS) | 0.07 | ¢ |
| Dividend Yield | 1.6 | % |
| Dividend Payout Ratio | 12 | % |
| Revenue per Employee | 698,565 | $ |
| Effective Tax Rate | 40.0 | % |
| Float | 41.4 | mil |
| Float as % of Shares Outstanding | 83.2 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 60.3 | % |
| Pre-Tax Profit Margin | 14.9 | % |
| Assets Turnover | 0.0 | % |
| Return on Assets (ROA) | 0.4 | % |
| Return on Equity (ROE) | 15.3 | % |
| Return on Capital Invested (ROCI) | 0.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 37.9 | |
| Interest Cover | 1.3 | |
| Total Debt/Equity (Gearing Ratio) | 36.52 | |
| LT Debt/Total Capital | 97.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 18.99 | $ |
| Tangible Book-Value pS | 12.86 | $ |
| Cash Flow pS | 2.90 | $ |
| Free Cash Flow pS | 7.16 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.92 | |
| Price/Tangible Book Ratio | 1.36 | |
| Price/Cash Flow | 6.0 | |
| Price/Free Cash Flow | 2.4 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 11/09/2009 |
| Dividend Ex-Date | 11/26/2009 |
| Dividend Record Date | 11/30/2009 |
| Dividend Pay Date | 12/14/2009 |
| Dividend Amount | 70 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.28 |
| Current Dividend Yield | 1.6 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 12.0 |
| 5-Y Average Payout Ratio | 11.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -0.9 | 97 | 2,125 | 4,805 |
| 4 Weeks | 18.41 | 13.49 | 14.03 | 24.4 | 116 | 1,902 | 34,241 |
| 13 Weeks | 18.41 | 11.77 | 14.95 | 16.8 | 108 | 1,818 | 112,725 |
| 26 Weeks | 18.41 | 7.54 | 8.46 | 106.4 | 171 | 2,291 | 288,678 |
| 52 Weeks | 18.41 | 4.06 | 13.16 | 32.7 | 107 | 2,769 | 692,267 |
| YTD | 18.41 | 4.06 | - | 21.8 | 99 | 2,838 | 647,064 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 17.56 | 17.15 | 14.48 | 12.78 | 11.46 | 1.70 | 1.71 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 12.17 | 30.6 | -12.66 |
| Income | -19.60 | 31.9 | 0.34 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | -8.93 | NA | -62.28 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -25.85 | NA | -31.89 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -33.2 | -35.4 | -27.6 |
| Earnings % | 0.0 | 95.1 | -12.8 |
| EPS % | 0.0 | 93.8 | -12.1 |
| EPS $ | 1.65 | 0.45 | -0.08 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 25.47 |
| Free Cash Flow Margin 5YEAR AVG | 24.52 |
| Cash-Flow pS | 6.54 |
| Free Cash-Flow pS | 5.91 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 43.30 |
| Debt Ratio | 97.69 |
| Total Debt/Equity (Gearing Ratio) | 41.65 |
| LT Debt/Equity | 41.65 |
| LT Debt/Capital Invested | 97.66 |
| LT Debt/Total Liabilities | 98.44 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 5.90 |
| Tobin's Q Ratio | 0.02 |
| Current P/E Ratio - LTM | 7.80 |
| Enterprise Value (EV)/EBITDA | -0.01 |
| Enterprise Value (EV)/Free Cash Flow | -35.51 |
| Dividend Yield | 1.6 |
| Price/Tangible Book Ratio - LTM | 1.36 |
| Price/Book Ratio - LTM | 0.92 |
| Price/Cash Flow Ratio | 6.0 |
| Price/Free Cash Flow Ratio - LTM | 2.4 |
| P/E Ratio (1 month ago) - LTM | 6.3 |
| P/E Ratio (26 weeks ago) - LTM | 3.4 |
| P/E Ratio (52 weeks ago) - LTM | 39.9 |
| 5-Y High P/E Ratio | 44.5 |
| 5-Y Low P/E Ratio | 6.0 |
| 5-Y Average P/E Ratio | 17.5 |
| Current P/E Ratio as % of 5-Y Average P/E | 45 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 11.9 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 12.86 |
| Book Value pS - LTM | 18.99 |
| Capital Invested pS | 715.32 |
| Cash Flow pS - LTM | 2.90 |
| Free Cash Flow pS - LTM | 7.16 |
| Earnings pS (EPS) | 0.58 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 4.46 |
| Return on Equity (ROE) - 5YEAR AVRG. | 15.2 |
| Return on Capital Invested (ROCI) | 0.10 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 0.4 |
| Return on Assets (ROA) | 0.10 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.4 |
| EBIT Margin - LTM | 63.5 |
| EBITDA Margin - LTM | 60.3 |
| Pre-Tax Profit Margin | 13.79 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 49.45 |
| Net Profit Margin | 15.25 |
| Net Profit Margin - 5YEAR AVRG. | 28.65 |
| Effective Tax Rate | 69.08 |
| Effective Tax Rate - 5YEAR AVRG. | 37.94 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 526,631 |
| Net Income per Employee - LTM | 50,481 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 9,232.56 |
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