Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/NIJ stock hub

FRA/NIJ has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.7B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/NIJ

In the news

Latest news · FRA/NIJ

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E10.3

P25 n/aP50 n/aP75 n/a

ROE10.7

P25 n/aP50 n/aP75 n/a

ROIC3.5

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/NIJ market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

193

Groups with data

Currency

USD

Showing 193 of 193 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	5,744
Employees Change	-811%
Employees Change Percent	-10.74
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 3.7B
Price	EUR 119
Price currency	EUR
Rev Per Employee	248,540.79x
Sic	6141
Symbol	fra/NIJ
Website	https://nelnetinc.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.67%
FCF yield	8.59%
P/B ratio	1.2x
P/E ratio	10.35x
P/S ratio	2.62x
PE Ratio10 Y	13.93x
PE Ratio3 Y	21.27x
PE Ratio5 Y	15.92x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	22.51%
Gross margin	86.59%
Gross Profit	EUR 1.2B
Net Income	EUR 361.7M
Net Income Growth	115.86%
Net Income Growth Q	-13.85%
Net Income Growth3 Y	19.05%
Net Income Growth5 Y	-4.19%
Pretax Margin	30.12%
Profit Margin	25.34%
Profit Per Employee	EUR 62,970
ROA	2.63
Roa5y	1.59
ROE	10.7
Roe5y	9
ROIC	3.52
Roic5y	1.9

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	30.65%
Cagr3y	13.08%
Cagr5y	15.2%
Div CAGR3	3.63%
Div CAGR5	8.41%
EPS Growth	117.2
EPS Growth Q	-12.89
EPS Growth3 Y	20.36
EPS Growth5 Y	-2.91
FCF Growth	-31.57%
FCF Growth Q	-29.87%
FCF Growth3 Y	-7.19%
FCF Growth5 Y	4.29%
OCF Growth	-25.36%
OCF Growth Q	-19.8%
OCF Growth10 Y	1%
OCF Growth3 Y	-8.67%
OCF Growth5 Y	-0.05%
Revenue Growth	20.69x
Revenue Growth Q	-7.06x
Revenue Growth3 Y	7.33x
Revenue Growth5 Y	5.46x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.12
Assets	EUR 12.3B
Cash	EUR 209.2M
Debt	EUR 6.7B
Debt Equity	EUR 2.14
Debt FCF	EUR 20.78
Equity	EUR 3.1B
Liabilities	EUR 9.2B
Net Cash	EUR -6.5B
Net Cash By Market Cap	EUR -173
Net Debt Equity	EUR 2.07
Net Debt FCF	EUR 20.13
Tangible Book Value	EUR 3B
Tangible Book Value Per Share	EUR 82.74

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	4.89
Quick ratio	4.64
Working Capital	EUR 7.8B
Working Capital Turnover	EUR 0.15

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.64%
Dividend Growth	2.11%
Dividend Growth Years	8%
Dividend per share	EUR 1.07
Dividend Years	9
Dividend Yield	0.9%
Ex Div Date	2026-02-27
Last Dividend	EUR 0.28
Payout Frequency	Quarterly
Payout Ratio	10.71%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	30.63%
200-day SMA	110.8
3Y total return	44.62%
50-day SMA	113.6
50-day SMA vs 200-day SMA	50over200
5Y total return	102.84%
All Time High	122
All Time High Change	-2.46%
All Time High Date	2026-01-09
All Time Low	34.8
All Time Low Change	241.95%
All Time Low Date	2020-03-23
ATR	1.19
Ch YTD	5.31
High	119
High52	122
High52 Date	2026-04-29
High52ch	-2.46%
Low	119
Low52	92.5
Low52 Date	2025-05-08
Low52ch	29.35%
Ma50ch	4.74%
Price vs 200-day SMA	7.37%
RSI	57.85
RSI Monthly	66.11
RSI Weekly	59.74
Sharpe ratio	0.85x
Sortino ratio	1.5
Total Return	1.53%
Tr YTD	5.58
Tr1m	5.31%
Tr1w	-0.83%
Tr3m	7.48%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 459.9M
Operating Income Growth	111.9
Operating Income Growth Q	-28.72
Operating Income Growth3 Y	18.69
Operating Income Growth5 Y	5.91
Operating margin	32.22

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14,576,417%
Net Borrowing	-812,297,566.2
Shares Insiders	44.87%
Shares Institutions	29.41%
Shares Qo Q	-0.03%
Shares Yo Y	-0.64%
Short Ratio	2.27

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 309.4M
Average Volume	2.5x
Bv Per Share	90.01
CAPEX	EUR -29.8M
Ch1m	5.31
Ch1w	-0.83
Ch1y	29.35
Ch3m	7.21
Ch3y	40
Ch5y	91.94
Ch6m	6.25
Change	0.85%
Change From Open	0
Close	118
Days Gap	0.85
Depreciation Amortization	20,593,605.1
Earnings Date	2026-05-07
EPS	EUR 9.98
F Score	5
FCF	EUR 321.4M
Financing CF	-567,967,016
Fiscal Year End	December
Founded	1,977
Goodwill	172,924,890.7
Graham Number	160.4277
Graham Upside	34.81
Income Tax	EUR 106.7M
Investing CF	217,808,518
Is Primary Listing	0
Last Earnings Date	2026-05-07
Last Report Date	2026-03-31
Lynch Fair Value	EUR 57.51
Lynch Upside	-51.67
Ma150	112.2
Ma150ch	6.09%
Ma20	117.4
Ma20ch	1.41%
Net CF	-1,389,415
Next Earnings Date	2026-05-15
Open	119
P FCF Ratio	11.65
P OCF Ratio	10.66
Payment Date	2026-03-13
Ppne	71,742,673
Price Date	2026-05-08
Ptbv Ratio	1.26
Relative Volume	16x
Revenue	1,427,618,298x
SBC By Revenue	0.84x
Share Based Comp	11,957,465
Tax By Revenue	7.47x
Tax Rate	24.81%
Tr6m	6.79%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/NIJ dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+0.9%

$1.07 annual per share

Payout ratio

+10.7%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+8.4%

8 consecutive years of growth

Total shareholder yield

+1.5%

Next ex-dividend date: 2026-02-27

Performance

FRA/NIJ stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/NIJ?

Insider, institutional, and short-interest positioning.

Institutional ownership

+29.4%

Share of float held by funds and institutions

Insider ownership

+44.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/NIJ momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

57.9

Neutral momentum band

Price vs 200-day MA

+7.4%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.85

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/NIJ

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/NIJ stock rating?

fra/NIJ is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/NIJ analysis?

The full report lives at /stocks/fra/NIJ/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/NIJ?

The latest report frames fra/NIJ around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/NIJ page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.