Which Is a Better Investment, Happen, Inc. or Nelnet, Inc. Stock?
Learn more about whether Happen, Inc. or Nelnet, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide. The company operates through four segments: Loan Servicing and Systems, Education Technology Services and Payments, Asset Generation and Management, and Nelnet Bank. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer, payment processing, due diligence procedures, funds management reconciliation, and claim processing services. This segment also offers student loan servicing software; and business process outsourcing services primarily in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels, and processing and administrative services. The Education Technology Services and Payments segment provides financial management services; school information system software; a donation platform; education technology solutions; and customized professional development and coaching, and advanced learning and educational instruction services. This segment also offers tuition payment plans, and service and technology for student billings, payments, and refunds; solutions for in-person, online, and mobile payment experiences on campus; payment processing services, such as credit card and electronic transfer; learning management system; an integrated commerce payment platform; and a school management platform that provides administrative, information and financial management, and communication functions for K-12 schools. The Asset Generation and Management segment invest, allocates an manages loan assts. The Nelnet Bank segment operates as an internet industrial bank. It also offers investment advisory, investment, and reinsurance services, as well as engages in the real estate investment; and solar engineering, procurement, and construction businesses. The company was founded in 1977 and is headquartered in Lincoln, Nebraska.
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Financial Summary
| Share Statistics | NNI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $4,529.0 | $1,005.1 | 66% |
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| Shares Out (Mil) | 36.0 | 37.2 | 40% |
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| Institutional Ownership | 66.5% | 78.9% | 41% |
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| Float (Mil) | 16.1 | 35.3 | 26% |
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| Beta | 0.78 | 1.04 | 46% |
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| Avg Daily Volume (000s) | 157 | 388 | 41% |
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| Price Change (52-week) |
1.8% | 76.3% | 51% |
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| Growth | NNI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.6% | 8.8% | 53% |
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| Net Income (5yr) | 4.0% | 12.6% | 46% |
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| EPS (5yr) | 5.5% | 15.8% | 39 |
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| Dividends (5yr) | 7.7% | 0.0% | 83% |
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| Cash Flow (5yr) | 16.8% | (5.0%) | 76% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | $1.850 | $7.500 | $8.600 | |
| Month Ago EPS | na | na | na | |
| # Rev Up | 1 | 1 | 0 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | 0.0% | (36.4%) | na | |
| Financials | NNI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,489 | $1,133 | 56% |
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| Net Income (TTM) (Mil) | $302 | $155 | 72% |
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| EPS (TTM) | $8.366 | $1.600 | 93% |
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| Operating Cash Flow (TTM) (Mil) | $401 | $228 | 68% |
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| Net Cash Flow (TTM) (Mil) | $165 | $2 | 82% |
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| Long-Term Debt (Q1) (Mil) | $7,043 | $925 | 89% |
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| Enterprise Value (Q1) (Mil) | na | $1,233 | na |
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| Valuation | NNI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.20 | 1.20 | 30% |
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| P/E | 15.1 | 9.6 | 39% |
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| Dividend Yield | 1.0% | 0.0% | 67% |
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| PEG (5yr hist) | 2.8 | 0.5 | 78% |
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| Ratios | NNI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 86.1% | 75.2% | 92% |
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| Net Margin | 20.3% | 10.5% | 79% |
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| ROA | 2.2% | 2.8% | 56% |
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| ROE | 8.2% | 13.8% | 51% |
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| Liabilities to Assets | 74.5% | 78.0% | 70% |
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| F-Score | 6 | 5 | 67% |
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Passing Stock Screens
As of 9/17/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Non-Utility) Screen
Factors: Yield, Value, Quality
Credited as one of the fathers of in-depth security analysis, Graham's approach focuses on the concept of intrinsic value.
| Performance Since Inception: | 11.7% |
| +/- S&P 500: | +4.2 |
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
