Should I Buy NNI? NNI 2026 Analysis

Should You Buy Nelnet Inc (NNI) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

130.780

1 Day change

1.51%

52 Week Range

142.870

Analysis Updated At

2026/01/26

Nelnet Inc (NNI) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the company has shown exceptional financial growth in its latest quarter, the technical indicators suggest a bearish trend, and there are no significant positive catalysts or trading signals to support an immediate purchase. Additionally, analysts maintain a 'Hold' rating with a modest price target increase, reflecting a neutral sentiment. Considering the user's impatience and unwillingness to wait for optimal entry points, it is better to hold off on investing in this stock right now.

Technical Analysis

The MACD is negative and expanding, indicating bearish momentum. RSI is neutral at 35.849, and moving averages are converging, suggesting no clear trend. The stock is trading near its support level (S1: 130.47), but there is no indication of a reversal. Key resistance levels are at 135.547 and 140.623.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Exceptional financial performance in Q3 2025, with revenue up 11.89% YoY, net income up 4370.76% YoY, and EPS up 4700.00% YoY. Gross margin also improved significantly to 65.6%.

Neutral/Negative Catalysts

No recent news or significant trading trends among hedge funds or insiders. Technical indicators suggest bearish momentum, and the stock has a 40% chance of declining further in the next week. Analysts maintain a 'Hold' rating, reflecting a lack of strong confidence in the stock's near-term upside.

Financial Performance

In Q3 2025, Nelnet reported strong financial growth: revenue increased by 11.89% YoY to $546.64M, net income surged by 4370.76% YoY to $104.75M, and EPS rose by 4700.00% YoY to 2.88. Gross margin improved significantly to 65.6%, up 36.81% YoY.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts maintain a 'Hold' rating on the stock, with TD Cowen recently raising the price target from $135 to $140. The increase reflects an updated outlook in the specialty finance sector but does not indicate strong bullish sentiment.

1 Analyst Rating

Wall Street analysts forecast NNI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NNI is 140 USD with a low forecast of 140 USD and a high forecast of 140 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

Current: 128.830

Low

140

Averages

140

High

140

Current: 128.830

Low

140

Averages

140

High

140

TD Cowen

Hold

maintain

$135 -> $140

AI Analysis

2026-01-08

Reason

TD Cowen

Price Target

$135 -> $140

AI Analysis

2026-01-08

maintain

Hold

Reason

TD Cowen raised the firm's price target on Nelnet to $140 from $135 and keeps a Hold rating on the shares. The firm adjusted targets in the specialty finance group as part of its 2026 outlook.

TD Cowen

Moshe Orenbuch

Hold

maintain

$135 -> $140

2026-01-08

Reason

TD Cowen

Moshe Orenbuch

Price Target

$135 -> $140

2026-01-08

maintain

Hold

Reason

TD Cowen analyst Moshe Orenbuch raised the firm's price target on Nelnet to $140 from $135 and keeps a Hold rating on the shares. The firm updated its price target to reflect is outlook in the Specialty Finance sector affected by macro economic factors and secualr growth in various areas of credit card, auto lending, student lending, non-prime lending, buy-now-pay-later, and lease to own.

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NNI Should I Buy

NNI Should I Buy

Should You Buy Nelnet Inc (NNI) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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