Is EARN or ECCC more undervalued in 2026?

CirclFi compares Ellington Credit Company (EARN) and Eagle Point Credit Company 6.50 (ECCC) using 13 institutional-grade valuation models. EARN has a Quality of Company score of 6.1/10 while ECCC scores 1.6/10.

Which is a better buy — EARN or ECCC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do EARN and ECCC valuations compare?

EARN at $4.92 and ECCC at $24.78 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

EARN vs ECCC Valuation Comparison 2026 — Intrinsic Value Analysis

EARN

Asset Management

Ellington Credit Company

Quality

6.1

out of 10

Value Trap

SAFE

Price

$4.92

Last close

Models

12/13

Active

ECCC

Asset Management

Eagle Point Credit Company 6.50

Quality

1.6

out of 10

Value Trap

—

Price

$24.78

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	EARN Fair Value	EARN Upside	ECCC Fair Value	ECCC Upside
Bayesian DCF	Intrinsic	$4.23	-14.1%	$55.92	+127.8%
Earnings Power Value	Intrinsic	$2.57	-47.8%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$24.23	+392.4%	$17.27	-30.3%
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	$•••.••	••.•%	$•••.••	••.•%

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EARN vs ECCC — Which Stock Is More Undervalued?

EARN scores higher with a 6.1/10 quality rating vs ECCC's 1.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Ellington Credit Company (EARN) and Eagle Point Credit Company 6.50 (ECCC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

EARN currently trades at $4.92 with a QOC of 6.1/10, while ECCC trades at $24.78 with a QOC of 1.6/10.

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 Topology), and ensemble methods (CUCE).