Is JFU or LMFA more undervalued in 2026?

CirclFi compares 9F Inc. (JFU) and LM Funding America, Inc. (LMFA) using 13 institutional-grade valuation models. JFU has a Quality of Company score of 8.3/10 while LMFA scores 4.1/10.

Which is a better buy — JFU or LMFA?

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 JFU and LMFA valuations compare?

JFU at $3.06 and LMFA at $0.26 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JFU vs LMFA Valuation Comparison 2026 — Intrinsic Value Analysis

JFU

Finance Services

9F Inc.

Quality

8.3

out of 10

Value Trap

LOW

Price

$3.06

Last close

Models

5/13

Active

LMFA

Finance Services

LM Funding America, Inc.

Quality

4.1

out of 10

Value Trap

LOW

Price

$0.26

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	JFU Fair Value	JFU Upside	LMFA Fair Value	LMFA Upside
Earnings Power Value	Intrinsic	$11.81	+285.9%	—	—
First Chicago	Scenario	$14.15	+362.4%	$0.37	+56.2%
ML-RIV	Intrinsic	—	—	$0.02	-91.9%
Dynamic NAV	Asset-Based	—	—	$0.57	+115.3%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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JFU vs LMFA — Which Stock Is More Undervalued?

JFU scores higher with a 8.3/10 quality rating vs LMFA's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing 9F Inc. (JFU) and LM Funding America, Inc. (LMFA) 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.

JFU currently trades at $3.06 with a QOC of 8.3/10, while LMFA trades at $0.26 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).