Is IX or NRUC more undervalued in 2026?

CirclFi compares ORIX Corporation (IX) and National Rural Utilities Cooper (NRUC) using 13 institutional-grade valuation models. IX has a Quality of Company score of 7.6/10 while NRUC scores 6.6/10.

Which is a better buy — IX or NRUC?

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 IX and NRUC valuations compare?

IX at $39.02 and NRUC at $23.73 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

IX vs NRUC Valuation Comparison 2026 — Intrinsic Value Analysis

IX

Miscellaneous Business Credit Institution

ORIX Corporation

Quality

7.6

out of 10

Value Trap

SAFE

Price

$39.02

Last close

Models

12/13

Active

NRUC

Miscellaneous Business Credit Institution

National Rural Utilities Cooper

Quality

6.6

out of 10

Value Trap

—

Price

$23.73

Last close

Models

2/13

Active

Model-by-Model Comparison

Model	Type	IX Fair Value	IX Upside	NRUC Fair Value	NRUC Upside
Bayesian DCF	Intrinsic	$175.24	+349.1%	—	—
Earnings Power Value	Intrinsic	$14.24	-63.5%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$35.18	-9.8%	$34.98	+47.4%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$37.37	-3.2%	$41.49	+73.2%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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IX vs NRUC — Which Stock Is More Undervalued?

IX scores higher with a 7.6/10 quality rating vs NRUC's 6.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing ORIX Corporation (IX) and National Rural Utilities Cooper (NRUC) 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.

IX currently trades at $39.02 with a QOC of 7.6/10, while NRUC trades at $23.73 with a QOC of 6.6/10.

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).