Nelnet [NNI] vs Upstart Holdings [UPST] Detailed Stock Comparison
Nelnet
NYSE
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Upstart Holdings
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Nelnet wins in 14 metrics, Upstart Holdings wins in 3 metrics, with 0 ties. Nelnet appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Nelnet | Upstart Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 23.51 | -47.69 | Upstart Holdings |
| Price-to-Book Ratio | 1.33 | 11.61 | Nelnet |
| Debt-to-Equity Ratio | 257.42 | 215.45 | Upstart Holdings |
| PEG Ratio | 21.16 | 217.42 | Nelnet |
| EV/EBITDA | N/A | -168.48 | N/A |
| Profit Margin (TTM) | 14.15% | -8.75% | Nelnet |
| Operating Margin (TTM) | 28.23% | 1.15% | Nelnet |
| EBITDA Margin (TTM) | 28.23% | 1.15% | Nelnet |
| Return on Equity | 5.63% | -10.30% | Nelnet |
| Return on Assets (TTM) | 1.26% | -2.17% | Nelnet |
| Free Cash Flow (TTM) | $641.99M | $176.34M | Nelnet |
| Dividend Yield | 0.74% | N/A | N/A |
| 1-Year Return | 17.58% | 85.21% | Upstart Holdings |
| Price-to-Sales Ratio (TTM) | 3.32 | 10.36 | Nelnet |
| Enterprise Value | $12.92B | $8.73B | Nelnet |
| EV/Revenue Ratio | 9.46 | 11.51 | Nelnet |
| Revenue per Share (TTM) | $37 | $8 | Nelnet |
| Earnings per Share (Diluted) | $5.31 | $-0.73 | Nelnet |
| Beta (Stock Volatility) | 0.90 | 2.39 | Nelnet |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Nelnet vs Upstart Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Nelnet | -2.08% | 0.60% | 2.26% | 18.99% | 12.73% | 18.76% |
| Upstart Holdings | -1.14% | -14.94% | -8.93% | 49.72% | 0.99% | 14.36% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Nelnet | 17.58% | 38.06% | 96.98% | 206.55% | 562.16% | 262.04% |
| Upstart Holdings | 85.21% | 93.15% | 52.28% | 52.28% | 52.28% | 52.28% |
Performance & Financial Health Analysis: Nelnet vs Upstart Holdings
| Metric | NNI | UPST |
|---|---|---|
| Market Information | ||
| Market Cap | $4.54B | $7.86B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 75,460 | 5,013,384 |
| 90 Day Avg. Volume | 92,553 | 5,665,851 |
| Last Close | $122.91 | $68.74 |
| 52 Week Range | $98.15 - $130.41 | $31.40 - $96.43 |
| % from 52W High | -5.75% | -28.71% |
| All-Time High | $130.41 (Aug 07, 2025) | $401.49 (Oct 11, 2021) |
| % from All-Time High | -5.75% | -82.88% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | 0.59% |
| Quarterly Earnings Growth | 0.13% | 0.67% |
| Financial Health | ||
| Profit Margin (TTM) | 0.14% | -0.09% |
| Operating Margin (TTM) | 0.28% | 0.01% |
| Return on Equity (TTM) | 0.06% | -0.10% |
| Debt to Equity (MRQ) | 257.42 | 215.45 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $94.06 | $7.12 |
| Cash per Share (MRQ) | $6.11 | $6.37 |
| Operating Cash Flow (TTM) | $542.50M | $128.51M |
| Levered Free Cash Flow (TTM) | $180.50M | $174.05M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.74% | N/A |
| Last 12-Month Dividend | $0.84 | N/A |
Valuation & Enterprise Metrics Analysis: Nelnet vs Upstart Holdings
| Metric | NNI | UPST |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 23.51 | -47.69 |
| Forward P/E | 21.16 | 217.42 |
| PEG Ratio | 21.16 | 217.42 |
| Price to Sales (TTM) | 3.32 | 10.36 |
| Price to Book (MRQ) | 1.33 | 11.61 |
| Market Capitalization | ||
| Market Capitalization | $4.54B | $7.86B |
| Enterprise Value | $12.92B | $8.73B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 9.46 | 11.51 |
| Enterprise to EBITDA | N/A | -168.48 |
| Risk & Other Metrics | ||
| Beta | 0.90 | 2.39 |
| Book Value per Share (MRQ) | $94.06 | $7.12 |
Financial Statements Comparison: Nelnet vs Upstart Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | NNI | UPST |
|---|---|---|
| Revenue/Sales | $340.98M | $213.37M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $106.14M | $-2.42M |
| Income Tax | $25.01M | $29,000 |
| Net Income (Profit) | $81.13M | $-2.45M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | NNI | UPST |
|---|---|---|
| Cash & Equivalents | $220.52M | $605.37M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $7.77B | $1.25B |
| Total Shareholders Equity | $3.36B | $676.64M |
| Retained Earnings | $3.41B | $-413.60M |
| Property, Plant & Equipment | N/A | $40.56M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | NNI | UPST |
|---|---|---|
| Operating Cash Flow | $83.05M | $35.13M |
| Capital Expenditures | $-3.38M | $0 |
| Free Cash Flow | $87.79M | $-19.65M |
| Debt Repayment | $-347.22M | $-133.73M |
| Common Stock Repurchase | $-4.46M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | NNI | UPST |
|---|---|---|
| Shares Short | 309,153 | 18.61M |
| Short Ratio | 3.36 | 2.92 |
| Short % of Float | 0.02% | 0.22% |
| Average Daily Volume (10 Day) | 75,460 | 5,013,384 |
| Average Daily Volume (90 Day) | 92,553 | 5,665,851 |
| Shares Outstanding | 36.29M | 93.47M |
| Float Shares | 12.16M | 83.09M |
| % Held by Insiders | 0.44% | 0.13% |
| % Held by Institutions | 0.49% | 0.64% |
Dividend Analysis & Yield Comparison: Nelnet vs Upstart Holdings
| Metric | NNI | UPST |
|---|---|---|
| Last 12-Month Dividend | $0.84 | N/A |
| Last 12-Month Dividend Yield | 0.74% | N/A |
| 3-Year Avg Annual Dividend | $0.90 | N/A |
| 3-Year Avg Dividend Yield | 0.28% | N/A |
| 3-Year Total Dividends | $2.70 | N/A |
| Ex-Dividend Date | Feb 28, 2025 | N/A |