B+
Bull case
20%
Probability
Target price
$150.00
Analysis reference price unavailable
Analysis 2026-02-27 · RankAlpha Sentiment AI
NNI
NelnetCNYSE / Financial Services
Last Price
Quote time unavailable
Current thesis
Servicing growth, contract wins and modest multiple expansion drive shares above consensus; stable credit and constructive capital returns support upside.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +6.7.
What can break
Federal student-loan policy or forgiveness changes reducing servicing revenue
Momentum
18
Value
59
Sentiment
68
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $136.25 · Bull $150.00 · Bear $115.00Analysis 2026-02-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $130.00
Why
Momentum18 · Δ7d +2.0
Value59 · Δ7d -8.4
Sentiment68 · Δ7d +6.7
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +6.7.
Contradictions & invalidation
- • Federal student-loan policy or forgiveness changes reducing servicing revenue
- • Interest-rate pressure compressing financial-product margins
- • Adverse policy, loss of servicing revenue, or credit deterioration force higher provisions and a valuation re-rate below the anchor.
Catalyst clock
2026-05-28
Q1 2026 quarterly results
Lead driver: Sentiment · See AI snapshot
Momentum
18
9% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
-4.4
Value
59
28% active weight
Current posture
7d trendSoftening
Δ7d
-8.4
Δ21d
+0.1
Sentiment
68
62% active weight
Current posture
7d trendImproving
Δ7d
+6.7
Δ21d
+2.6
Why this grade
Composite grade C. Momentum 18.1 / Value 59.4 / Sentiment 68.4
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-02-27. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$136.25
Analysis reference price unavailable
Analysis 2026-02-27 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$115.00
Analysis reference price unavailable
Analysis 2026-02-27 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$4.5B
Beta
0.82
Shares Out
35.78M
P/E (TTM)
11.3
P/S (TTM)
2.32
P/FCF (TTM)
11.24
Rev YoY
-24.0%
EPS YoY
-62.8%
Gross Margin
+88.5%
Op Margin
+42.9%
Net Debt
$6.82B
Current Ratio
1.96
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data