DNP vs EARN

DNP Select Income Fund, Inc. vs Ellington Credit Company — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — EARN scores higher on quality with 6.1/10 vs DNP's 1.7/10. DNP trades at $10.63 while EARN trades at $4.72. Both analyzed daily using SEC EDGAR data across 13 institutional models.

DNP

Asset Management
DNP Select Income Fund, Inc.
Quality
1.7
out of 10
Value Trap
Price
$10.63
Last close
Models
11/13
Active
VS

EARN

Asset Management
Ellington Credit Company
Quality
6.1
out of 10
Value Trap
12
SAFE
Price
$4.72
Last close
Models
12/13
Active
DNP
Markov DDM sees +20.1% upside
Quality 1.7/10 — below average
EARN
2 models active
Limited to 2/13 visible models

DNP vs EARN — Fair Value Comparison

DNP
$0$5$10$15 Price$10.63 Bayesian …$3.08 (-71.1%) Markov DDM$12.92 (+20.1%)
EARN
$0$2$4$6 Price$4.72 Bayesian …$4.17 (-11.7%) Earnings …$2.54 (-46.1%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType DNP Fair ValueDNP Upside EARN Fair ValueEARN Upside
Bayesian DCF Intrinsic $3.08 -71.1% $4.17 -11.7%
Earnings Power Value Intrinsic $2.54 -46.1%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $12.92 +20.1% $24.19 +412.4%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

DNP vs EARN — Which Stock Is More Undervalued in 2026?

EARN scores higher with a 6.1/10 quality rating vs DNP's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do DNP and EARN Valuations Compare?

At $10.63, DNP trades +71.1% above its Bayesian DCF fair value of $3.08, while EARN at $4.72 trades +11.7% above its estimate of $4.17. DNP shows a wider gap between price and intrinsic value.

Quality of Company: DNP vs EARN

DNP earns a Quality of Company score of 1.7/10 compared to EARN's 6.1/10. This is a significant quality gap — the higher-scoring company demonstrates materially stronger fundamentals across profitability, growth consistency, and balance sheet health. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: DNP vs EARN

Review the value trap analysis for both DNP and EARN to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Asset Management

Both DNP and EARN operate in Asset Management, which has 448 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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