ORIX CORPORATION vs NELNET, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Orix earns 9.8% on equity as a diversified Japanese financial giant; Nelnet earns 11.2% as a US student-loan servicer-and-investor, a near-tie between two sprawling financial holdings whose reported margins mislead (Orix's 13.4% net, Nelnet's 111.7% investment-gain artifact). Both trade cheap or unpriced, Nelnet at 11.7 times earnings, Orix with no usable P/E. Orix carries 1.43 turns of debt, Nelnet 2.06; Orix pays 2.64% in dividends, Nelnet 0.4%. Both show double-digit free-cash figures. The pair prices two diversified financial holdings across different geographies and asset mixes; their returns nearly match, the market values both as value plays, and the choice reduces to which conglomerate's mix and jurisdiction a buyer prefers.
Comparison updated 2026-07-11.
| Metric | IX | NNI |
|---|---|---|
| Price | $38.30 | $134.48 |
| Market cap | $42.9B | $4.9B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | — | +16.4% |
| P/E | — | 11.7 |
| P/B | 1.41 | 1.30 |
| P/S | 1.93 | 12.99 |
| EV/EBITDA | 13.5 | 138.8 |
| Revenue growth | +7.5% | +23.6% |
| Operating margin | 13.7% | — |
| Net margin | 13.4% | 111.7% |
| Return on equity | 9.8% | 11.2% |
| Return on assets | 2.5% | 2.9% |
| Dividend yield | 2.6% | 0.4% |
| Debt / equity | 1.43 | 2.06 |
| Altman Z (solvency) | 0.83 | 0.67 |
| Piotroski F (quality) | 9 / 9 | 8 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.