Is JFIN or NNI more undervalued in 2026?

CirclFi compares Jiayin Group Inc. (JFIN) and Nelnet, Inc. (NNI) using 13 institutional-grade valuation models. JFIN has a Quality of Company score of 9.3/10 while NNI scores 8.4/10.

Which is a better buy — JFIN or NNI?

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 NNI valuations compare?

JFIN at $4.24 and NNI at $130.12 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JFIN vs NNI Valuation Comparison 2026 — Intrinsic Value Analysis

JFIN

Credit Services

Jiayin Group Inc.

Quality

9.3

out of 10

Value Trap

LOW

Price

$4.24

Last close

Models

5/13

Active

NNI

Credit Services

Nelnet, Inc.

Quality

8.4

out of 10

Value Trap

SAFE

Price

$130.12

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	JFIN Fair Value	JFIN Upside	NNI Fair Value	NNI Upside
Bayesian DCF	Intrinsic	$13.64	+221.6%	$175.58	+34.9%
EROIC Spread	Intrinsic	—	—	$56.01	-57.0%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$2.01	-52.6%	—	—
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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JFIN vs NNI — Which Stock Is More Undervalued?

JFIN scores higher with a 9.3/10 quality rating vs NNI's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Jiayin Group Inc. (JFIN) and Nelnet, Inc. (NNI) 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 $4.24 with a QOC of 9.3/10, while NNI trades at $130.12 with a QOC of 8.4/10.

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).