Aiful (OTCMKTS:AIFLY) vs. Nelnet (NYSE:NNI) Head to Head Survey

Nelnet (NYSE:NNI) and Aiful (OTCMKTS:AIFLY) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, earnings, institutional ownership, analyst recommendations, profitability, dividends and risk.

Valuation & Earnings

This table compares Nelnet and Aiful”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Nelnet	$2.26 billion	2.02	$428.47 million	$8.36	15.24
Aiful	N/A	N/A	N/A	$19.42	0.07

Nelnet has higher revenue and earnings than Aiful. Aiful is trading at a lower price-to-earnings ratio than Nelnet, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

33.5% of Nelnet shares are held by institutional investors. 40.3% of Nelnet shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for Nelnet and Aiful, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Nelnet	1	2	0	0	1.67
Aiful	0	0	0	0	0.00

Nelnet currently has a consensus target price of $140.00, suggesting a potential upside of 9.90%. Given Nelnet’s stronger consensus rating and higher possible upside, equities analysts clearly believe Nelnet is more favorable than Aiful.

Profitability

This table compares Nelnet and Aiful’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Nelnet	14.35%	8.26%	2.11%
Aiful	N/A	N/A	N/A

Summary

Nelnet beats Aiful on 9 of the 10 factors compared between the two stocks.

About Nelnet

Nelnet, Inc. engages in loan servicing, communications, education technology, services, and payment processing businesses worldwide. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer service, payment processing, due diligence procedures, funds management reconciliation, and claim processing services. This segment also offers student loan servicing software; business process outsourcing services specialized in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels, and processing and technology services. The Education Technology Services and Payments segment provides financial management services; school information system software; website design and cost-effective admissions software; FACTS Giving, a donation platform; and customized professional development and coaching services, educational instruction services, and technology products that aid in teacher and student evaluations. 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; faith community, giving, and learning management services and technologies; and an integrated commerce payment platform, financial management, and tuition payment plan services, as well as a school management platform that provides administrative, information and financial management, and communication functions for K-12 schools. The Asset Generation and Management segment acquires, manages, and owns loan assets. The Nelnet Bank segment operates as an internet industrial bank. It also offers investment advisory, insurance, and reinsurance services, as well as engages in real estate investment business. The company was incorporated in 1977 and is headquartered in Lincoln, Nebraska.

About Aiful

Aiful Corporation engages in the consumer finance and credit guarantee business in Japan. The company offers unsecured and small business loans; and credit card, prepaid card, credit guarantee, debt collection, venture capital, receiving agent, corporate turnaround and restructuring, warehouse, document management, and leasing services, as well as used car and medical loans. It also provides postpay settlement, factoring, and installment credit sales services. The company was formerly known as Marutaka, Inc. and changed its name to Aiful Corporation in May 1982. Aiful Corporation was founded in 1967 and is headquartered in Kyoto, Japan.