B+
Bull case
20%
Probability
Target price
$150.00
Analysis reference price unavailable
Analysis 2026-02-27 · RankAlpha Sentiment AI
NNI
NelnetANYSE / 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
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.6.
What can break
Federal student-loan policy or forgiveness changes reducing servicing revenue
Momentum
63
Value
59
Sentiment
62
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $125.00
Why
Momentum63 · Δ7d -13.1
Value59 · Δ7d +0.6
Sentiment62 · Δ7d +4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +0.6.
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: Value · See fundamentals
Momentum
63
8% active weight
Current posture
7d trendSoftening
Δ7d
-13.1
Δ21d
-4.4
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
-0.0
Sentiment
62
45% active weight
Current posture
7d trendImproving
Δ7d
+4.7
Δ21d
-6.8
Why this grade
Composite grade A. Momentum 63.1 / Value 59.0 / Sentiment 61.7
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 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.39B
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data