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Nelnet Inc. (NNI) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$124.27 +1.47% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $124.36

Nelnet Inc. (NNI) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $4.38B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NNI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Nelnet Inc. (NYSE: NNI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $124.27 (+1.47% 1D, market cap $4.38B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, NNI ranks #568 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NNI compare to ENVA and CORZ in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), NNI carries a Roarable D+ (53/100 RQD), trailing P/E of 10.3x, gross margin of —, and ROIC of 11.6%. By comparison, ENVA (Enova International Inc.) holds a C- grade (61/100 RQD, P/E 14.4x, ROIC 17.1%, cap $4.26B) and CORZ (Core Scientific Inc.) posts a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $4.26B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NNI?
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Per NNI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001258602), Nelnet Inc. generated $5.91B in revenue (+2.1% YoY), $428.5M in net income, and $396.7M in free cash flow against $14.06B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $124.36 (+0.07%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 6.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510053
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Cash (10)Whales (5)SEC (13)Macro (9)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-2.3% Base Target
$152 Bull$121 Base$95 Bear
📬 FREE NNI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NNI)Realized 20D OHLCV Swing Band: ±4%
Deterministic 5-Pillar Attribution (53/100 Composite)
🔍 WHY NNI SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (30% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$126.93-0.4% Next Q
Q2 (-2Q)
58
Grade C$126.38-2.9% Next Q
Q3 (-1Q)
56
Grade C$122.75+1.2% Next Q
Current
53
Grade D+$124.27-0.9% Hist 90D α
Trajectory: C (61) → D+ (53)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NNI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NNI currently carries a cautious 53/100 (D+) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($125.42) and Max Pain ($130.48) forces dealer call-delta covering toward $151.60.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NNI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NNI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

NNI Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (NNI)

No recent open-market Form 4 cluster sales or emergency dumps flagged on NNI. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NNI)

  • ✓Walkthrough of NNI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NNI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -11.86%📐 HORIZONTAL RANGE
2026-11-03O $123.5H $124.3L $122.5C $124.3VOL 120.6K
RES: $128.6SUP: $119.9SMA50: $125.4SMA200: $130.1
$145.1$137.4$129.7$121.9$114.2RES $128.6SUP $119.9$124.32026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NNI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NNI Butterfly Map → + Track NNI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-0.6%/yr Implied 5Y Growth

vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NNI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NNI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NNI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NNI)

Financials Rank #568 of 1097 ⚔️ ENVA vs NNI Full Matrix →

1. Head-to-Head Financials Peer Comparison (NNI vs. ENVA, CORZ, SEZL, CACC)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Nelnet Inc. (NNI) ranks #568 by composite RQD confidence (53/100, grade D+) and #296 by equity capitalization ($4.38B). Within this direct 5-issuer industry benchmark cohort, NNI leads on earnings valuation at 10.3x trailing P/E, while SEZL leads on capital efficiency and profitability with 38.6% ROIC and — gross margin. SEZL currently holds the highest overall quantitative score in the immediate peer group at 79/100 (B+) compared with NNI at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NNI ACTIVE
Nelnet Inc.
D+ 53/100 10.3x — 11.6% +1.47% $4.38B Benchmark Subject
ENVA
Enova International Inc.
C- 61/100 14.4x — 17.1% -0.09% $4.26B /enva-vs-nni →
CORZ
Core Scientific Inc.
E 25/100 — — -35.0% -5.62% $4.26B /corz-vs-nni →
SEZL
Sezzle Inc.
B+ 79/100 — — 38.6% -4.84% $4.56B /sezl-vs-nni →
CACC
Credit Acceptance Corporation
D 50/100 — — 0.0% +4.27% $4.71B /cacc-vs-nni →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001258602 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Nelnet Inc. (NNI) reported GAAP revenue of $5.91B (+2.1% vs. FY2024 revenue of $5.79B , and +259.8% cumulative change since FY2023) , GAAP net income of $428.5M, operating cash flow of $423.0M, and free cash flow of $396.7M (-38.2% YoY). On the balance sheet, NNI closed FY2025 with $14.06B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $5.91B $428.5M $423.0M $396.7M $14.06B —
FY2024 (FY) 2024-12-31 $5.79B $184.0M $662.9M $642.0M $13.78B —
FY2023 (FY) 2023-12-31 $1.64B $89.8M $432.0M $432.0M — —

3. NNI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NNI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Nelnet Inc. (NYSE: NNI) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $124.27 (+1.47% 1D, market cap $4.38B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, NNI ranks #568 in composite RQD confidence.

How does NNI compare to ENVA and CORZ in the Financials sector?

Within the Financials sector (Finance: Consumer Services), NNI carries a Roarable D+ (53/100 RQD), trailing P/E of 10.3x, gross margin of —, and ROIC of 11.6%. By comparison, ENVA (Enova International Inc.) holds a C- grade (61/100 RQD, P/E 14.4x, ROIC 17.1%, cap $4.26B) and CORZ (Core Scientific Inc.) posts a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $4.26B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NNI?

Per NNI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001258602), Nelnet Inc. generated $5.91B in revenue (+2.1% YoY), $428.5M in net income, and $396.7M in free cash flow against $14.06B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NNI trading relative to its 50-day, 200-day, and 52-week technical levels?

NNI last traded at $124.27 (+1.47% on volume of 150,771 shares), positioning the stock -0.92% below its 50-day simple moving average ($125.42) and -4.50% below its 200-day simple moving average ($130.13). Across its 52-week range of $116.62 to $144.38, NNI sits at the 27.6% percentile with a 14-day RSI of 42.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($119.30 to $129.24).

Direct Sub-Reports: NNI RQD Cockpit NNI 12M Forecast NNI Earnings & Move NNI Dividends & DRIP NNI Insiders & 13F NNI Whale Options NNI Profit Sankey NNI News & Why
ROARABLE RATING BRIEF • RQD 53/100 (D+) ✓ SEC XBRL & RQD VERIFIED

NNI — Nelnet Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Nelnet Inc. (NNI) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $124.27 (+1.47% 1D, market capitalization $4.38B).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 11.6%, gross margin of —, operating margin of —, and free cash flow yield of 8.98%.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Nelnet Inc. (NNI) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry,. Market capitalization is $4.4B. The sector and industry classification is the only business characterization available in the source data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Nelnet Inc. (NNI) reported $5.91B in annual revenue (up from $5.79B in FY2024, +2.1% YoY) and $428.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.64B revenue, $89.8M net income) through FY2025, NNI scaled operating cash flow to $423.0M and free cash flow to $396.7M, backed by $14.06B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 53/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.98% and institutional whale pillar of 5/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $116.62 – $144.38 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 10.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance: Consumer Services (Financials), NNI carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can NNI sustain or expand its — operating margin and 11.6% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $5.91B and free cash flow of $396.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is NNI's 9.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NNI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Nelnet Inc. (NNI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NNI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NNI Bull vs. Bear Conversation Board — What's Your Call at $124.27?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NNI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NNI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $144.51 (+18.0%)
📌 Pinned Debate

Trading at a 10.3 trailing P/E and 9.6 forward P/E with an 8.98% FCF yield and 11.6% ROIC, while insider flow scores 16 / 20.

Here is why I am bullish on NNI here at $122.47: Trading at a 10.3 trailing P/E and 9.6 forward P/E with an 8.98% FCF yield and 11.6% ROIC, while insider flow scores 16 / 20.. Compare NNI's 0.0% operating margin and 11.6% ROIC against the rest of Finance: Consumer Services. As long as cash conversion holds up, dips toward $116.35 are getting bought.

CapAlloc_Nerd 🐂 BULL

@DeltaGamma_99 Agree on the RQD 53/100 quality, though with 1.0 beta I'm scaling in with half-size at $122.47 and keeping dry powder in case we test $113.90.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $93.08 (-24.0%)
Spot @ $122.47

The composite RQD score of 55 (D+, Trim) is weighed down by a 7 / 20 institutional-flow pillar and a Piotroski F-Score of 4/9.

Sitting on the sidelines or leaning short NNI above $122.47. The composite RQD score of 55 (D+, Trim) is weighed down by a 7 / 20 institutional-flow pillar and a Piotroski F-Score of 4/9.. Until Fundamental Cash Engine (10/20) and FCF yield (8.98%) inflect higher, upside is capped near $144.38.

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