Market Price

91.13 

0.72 0.8%

as of Aug 12 '22

52 Week Range:

72.94 99.79


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Nelnet, Inc. is engaged in the loan management, communications and educational technology, services and payment processing businesses globally. The company is headquartered in Lincoln, Nebraska.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 21.46
25.00
29.71
35.84
41.75
46.84
51.75
57.55
59.15
62.57
75.41
growth rate 16.5% 18.8% 20.6% 16.5% 12.2% 10.5% 11.2% 2.8% 5.8% 20.5%
Earnings BIT 321.79
274.51
465.53
742.76
722.85
787.00
691.87
956.59
876.58
783.37
685.34
growth rate -14.7% 69.6% 59.6% -2.7% 8.9% -12.1% 38.3% -8.4% -10.6% -12.5%
Avg.PE 5.75
7.91
6.49
7.12
6.68
7.65
13.82
9.06
9.06
9.06
9.06
growth rate 37.6% -18.0% 9.7% -6.2% 14.5% 80.7% -34.4% 0.0% 0.0% 0.0%
ROA 0.78
0.68
1.11
1.06
0.88
0.89
0.68
0.93
0.58
1.50
1.75
growth rate -12.8% 63.2% -4.5% -17.0% 1.1% -23.6% 36.8% -37.6% 158.6% 16.7%
ROE 20.59
15.95
23.20
19.41
14.85
13.01
8.22
10.23
6.05
13.85
13.86
growth rate -22.5% 45.5% -16.3% -23.5% -12.4% -36.8% 24.5% -40.9% 128.9% 0.1%
ROIC 1.37
1.36
1.69
1.71
growth rate -0.7% 24.3% 1.2%
Leverage 24.25
22.84
19.24
17.44
16.18
13.18
11.15
10.94
9.93
8.60
7.35
growth rate -5.8% -15.8% -9.4% -7.2% -18.5% -15.4% -1.9% -9.2% -13.4% -14.5%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 372.06
371.16
370.63
28,407.34
28,759.72
25,368.99
22,341.55
23,138.64
21,578.75
20,341.95
18,626.75
growth rate -0.2% -0.1% 7,564.7% 1.2% -11.8% -11.9% 3.6% -6.7% -5.7% -8.4%
Acct.Payable 129.44
111.29
189.30
118.49
144.77
119.70
187.12
369.68
437.76
356.10
710.32
growth rate -14.0% 70.1% -37.4% 22.2% -17.3% 56.3% 97.6% 18.4% -18.7% 99.5%
Cur.Assets 0.00
0.00
29,528.69
29,840.29
26,626.94
23,284.43
24,332.85
22,801.35
21,300.34
19,820.94
growth rate 1.1% -10.8% -12.6% 4.5% -6.3% -6.6% -7.0%
Total Assets 25,852.22
26,607.90
27,770.80
30,098.14
30,419.14
27,193.10
23,964.44
25,220.97
23,708.97
22,646.16
21,678.04
growth rate 2.9% 4.4% 8.4% 1.1% -10.6% -11.9% 5.2% -6.0% -4.5% -4.3%
Cash 42.57
23.50
-2.80
130.48
63.53
69.65
66.75
121.35
133.91
121.25
125.56
growth rate -44.8% -100.0% 100.0% -51.3% 9.6% -4.2% 81.8% 10.4% -9.5% 3.6%
Inventory 0.00 0.00
growth rate
Cur.Liabilities 0.00
0.00
189.03
253.86
245.51
244.22
431.36
485.04
384.81
720.70
growth rate 34.3% -3.3% -0.5% 76.6% 12.5% -20.7% 87.3%
Liabilities 24,786.01
25,442.70
26,327.20
28,372.47
28,526.99
25,122.17
21,799.05
22,906.19
21,317.88
20,017.81
18,725.20
growth rate 2.7% 3.5% 7.8% 0.5% -11.9% -13.2% 5.1% -6.9% -6.1% -6.5%
LT Debt 43.84
25,098.80
25,955.30
28,027.35
28,105.92
24,668.49
21,356.57
22,218.74
20,529.05
19,320.73
17,631.09
growth rate 57,150.9% 3.4% 8.0% 0.3% -12.2% -13.4% 4.0% -7.6% -5.9% -8.8%
Equity 1,066.21
1,165.20
1,443.70
1,725.45
1,884.43
2,061.66
2,149.53
2,304.46
2,386.71
2,632.04
2,951.21
growth rate 9.3% 23.9% 19.5% 9.2% 9.4% 4.3% 7.2% 3.6% 10.3% 12.1%
Common Shares 48.00
47.00
47.00
46.00
46.00
43.00
42.00
0.40
0.40
0.38
0.38
growth rate -2.1% 0.0% -2.1% 0.0% -6.5% -2.3% -99.0% -1.2% -3.5% -1.3%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 14.17
9.94
17.01
26.49
16.76
67.60
156.01
125.02
92.50
113.31
58.95
growth rate -29.8% 71.1% 55.7% -36.7% 303.3% 130.8% -19.9% -26.0% 22.5% -48.0%
Cash Dividends 17.76
66.67
19.92
18.54
19.03
21.19
24.10
26.84
29.49
31.78
34.46
growth rate 275.3% -70.1% -6.9% 2.6% 11.4% 13.7% 11.4% 9.9% 7.8% 8.4%
Cash From OA 310.86
299.32
387.18
357.45
391.37
300.19
322.27
270.89
298.92
212.82
544.87
growth rate -3.7% 29.4% -7.7% 9.5% -23.3% 7.4% -15.9% 10.3% -28.8% 156.0%
FCF per Share 7.77
6.13
4.87
9.05
8.37
6.74
4.02
0.93
3.08
5.67
9.17
growth rate -21.1% -20.6% 85.8% -7.5% -19.5% -40.4% -76.9% 231.2% 84.1% 61.7%
Sale Purchase of Stock -26.62
-22.33
-12.57
0.66
0.80
0.89
0.68
-56.50
-34.21
growth rate 0.0% 0.0% 100.0% 22.1% 11.0% -23.7% -100.0% 0.0%
FCF 297.00
289.00
370.00
331.00
375.00
258.00
72.00
146.00
206.00
100.00
486.00
growth rate -2.7% 28.0% -10.5% 13.3% -31.2% -72.1% 102.8% 41.1% -51.5% 386.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 978.98
998.14
1,143.95
895.15
871.29
862.46
800.94
1,051.23
1,028.58
1,105.33
1,359.23
growth rate 2.0% 14.6% -21.8% -2.7% -1.0% -7.1% 31.3% -2.2% 7.5% 23.0%
Op.Income 204.34
178.00
302.67
457.40
416.77
390.83
273.01
297.66
193.31
224.40
527.68
growth rate -12.9% 70.0% 51.1% -8.9% -6.2% -30.2% 9.0% -35.1% 16.1% 135.2%
IBT 321.79
274.51
465.53
469.52
420.64
398.81
226.68
286.29
176.75
450.49
502.11
growth rate -14.7% 69.6% 0.9% -10.4% -5.2% -43.2% 26.3% -38.3% 154.9% 11.5%
Net Income 204.34
178.00
302.70
307.61
267.98
256.75
173.17
227.91
141.80
352.44
393.29
growth rate -12.9% 70.1% 1.6% -12.9% -4.2% -32.6% 31.6% -37.8% 148.5% 11.6%
EPS 4.24
3.76
6.50
6.62
5.89
6.02
4.14
5.57
3.54
9.02
10.20
growth rate -11.3% 72.9% 1.9% -11.0% 2.2% -31.2% 34.5% -36.5% 154.8% 13.1%
Gross Profit 343.32
323.79
818.16
799.35
785.53
742.32
974.74
928.16
1,002.31
1,250.57
growth rate -5.7% 59.0% -2.3% -1.7% -5.5% 31.3% -4.8% 8.0% 24.8%

Quarterly Statements

Item Name Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Earnings BIT 186.23
160.10
118.96
220.05
290.42
growth rate -14.0% -25.7% 85.0% 32.0%
Balance Sheet Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Acct.Receivable 19,869.98
20,378.57
19,491.54
18,626.75
17,896.83
growth rate 2.6% -4.4% -4.4% -3.9%
Acct.Payable 342.41
506.01
555.19
710.32
760.24
growth rate 47.8% 9.7% 27.9% 7.0%
Cur.Assets 20,817.17
21,455.94
20,742.62
19,820.94
19,074.50
growth rate 3.1% -3.3% -4.4% -3.8%
Total Assets 22,167.21
23,028.86
22,402.74
21,678.04
20,989.74
growth rate 3.9% -2.7% -3.2% -3.2%
Cash 144.23
212.99
191.94
125.56
162.79
growth rate 47.7% -9.9% -34.6% 29.6%
Inventory
growth rate
Cur.Liabilities 347.94
510.94
559.64
720.70
767.45
growth rate 46.9% 9.5% 28.8% 6.5%
Liabilities 19,418.11
20,200.25
19,545.78
18,725.20
17,904.68
growth rate 4.0% -3.2% -4.2% -4.4%
LT Debt 18,754.72
19,381.84
18,610.75
17,631.09
16,736.70
growth rate 3.3% -4.0% -5.3% -5.1%
Equity 2,752.19
2,833.80
2,859.25
2,951.21
3,088.31
growth rate 3.0% 0.9% 3.2% 4.7%
Common Shares 0.39
0.39
0.38
0.38
0.38
growth rate 0.0% -0.8% -1.0% 0.0%
Cash Flow Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Capital Expenditures 17.90
10.89
13.81
16.36
15.79
growth rate -39.2% 26.9% 18.5% -3.5%
Cash Dividends 8.44
8.48
8.41
9.14
9.06
growth rate 0.5% -0.8% 8.7% -0.8%
Cash From OA 48.66
138.95
202.08
155.17
185.47
growth rate 185.6% 45.4% -23.2% 19.5%
Sale Purchase of Stock
growth rate
FCF 30.76
128.07
188.27
138.82
169.67
growth rate 316.3% 47.0% -26.3% 22.2%
Income Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Sales 357.05
302.47
297.74
401.27
479.57
growth rate -15.3% -1.6% 34.8% 19.5%
Op.Income 157.77
109.75
84.30
175.17
240.58
growth rate -30.4% -23.2% 107.8% 37.3%
IBT 157.77
109.25
66.87
168.22
240.58
growth rate -30.8% -38.8% 151.6% 43.0%
Net Income 123.60
83.87
53.14
132.68
186.65
growth rate -32.2% -36.6% 149.7% 40.7%
EPS
growth rate
Gross Profit 330.00
280.80
266.41
372.68
444.02
growth rate -14.9% -5.1% 39.9% 19.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (68.21)

YOY Growth Grade:

E (27.51)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 7.10 7.65 13.60
EPS / Growth -2.1% 11.91 -6.9%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.8% 3.8%
Future PE 2.00 9.44 9.44
Future EPS 13.16 17.31 17.31
Value Price
MOS %
6.50
-92.9%
40.39
-55.7%
40.39
-55.7%
MOS Price 3.25 20.20 20.20
IRT 7.34 6.61 6.61

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.