Is JFIN or LDI more undervalued in 2026?

CirclFi compares Jiayin Group Inc. (JFIN) and loanDepot, Inc. (LDI) using 13 institutional-grade valuation models. JFIN has a Quality of Company score of 9.3/10 while LDI scores 4.1/10.

Which is a better buy — JFIN or LDI?

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 JFIN and LDI valuations compare?

JFIN at $4.33 and LDI at $1.32 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JFIN vs LDI Valuation Comparison 2026 — Intrinsic Value Analysis

JFIN

Finance Services

Jiayin Group Inc.

Quality

9.3

out of 10

Value Trap

LOW

Price

$4.33

Last close

Models

6/13

Active

LDI

Finance Services

loanDepot, Inc.

Quality

4.1

out of 10

Value Trap

LOW

Price

$1.32

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	JFIN Fair Value	JFIN Upside	LDI Fair Value	LDI Upside
Bayesian DCF	Intrinsic	$13.58	+213.6%	—	—
Earnings Power Value	Intrinsic	—	—	$1.43	-9.9%
Markov DDM	Intrinsic	—	—	$0.04	-97.2%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$2.01	-53.6%	—	—
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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JFIN vs LDI — Which Stock Is More Undervalued?

JFIN scores higher with a 9.3/10 quality rating vs LDI's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Jiayin Group Inc. (JFIN) and loanDepot, Inc. (LDI) 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.

JFIN currently trades at $4.33 with a QOC of 9.3/10, while LDI trades at $1.32 with a QOC of 4.1/10.

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).