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Nelnet, Inc. (NNI) vs SLM Corporation (SLM)

Nelnet, Inc. and SLM Corporation are both Credit Services companies. Nelnet, Inc. is the larger, with a market value of $4.5B against $3.2B — 1.4× the size. SLM Corporation trades at the lower P/E: 6.3× against 16.8×. SLM Corporation grew revenue faster over the last twelve months: −5.69% against −6.25%. SLM Corporation has the higher net margin (19.1% vs 0.00%) and the higher return on invested capital (8.72% vs 0.00%). Both pay a dividend; SLM Corporation yields more (2.96% vs 1.04%). Across the 18 metrics below, SLM Corporation leads on 10 and Nelnet, Inc. on 8.

Valuation

Metric NNI SLM Credit Services median
P/E 16.82 6.27 8.96
P/S 2.16 1.13 1.00
P/B 1.26 1.63 1.23
Price to free cash flow 12.33 n/m 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.94% 15.95% 7.17%
Free cash flow yield 8.11% (11.71%) 11.75%

Profitability

Metric NNI SLM Credit Services median
Gross margin 78.28% 61.95% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 0.00% 19.12% 8.35%
Free cash flow margin 0.00% (13.20%) 8.73%
Return on equity 7.55% 27.00% 9.05%
Return on assets 1.94% 1.86% 1.94%
Return on invested capital 0.00% 8.72% 4.56%

Growth

Metric NNI SLM Credit Services median
Revenue growth (TTM) (6.25%) (5.69%) 4.49%
EPS growth (last fiscal year) 134.86% 29.10% 21.94%
Revenue growth, 5-year CAGR 5.45% 5.73% 9.22%
Net income growth, 5-year CAGR 3.98% (3.49%) 0.00%

Health

Metric NNI SLM Credit Services median
Debt to equity 1.87 2.45 0.69
Current ratio 0.00 1.23 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric NNI SLM Credit Services median
Dividend yield 1.04% 2.96% 1.64%
Payout ratio 0.17 0.19 0.21

Size

Metric NNI SLM Credit Services median
Market cap 4.54b 3.20b 759.73m

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