Is JOBY or UP more undervalued in 2026?

CirclFi compares Joby Aviation, Inc. (JOBY) and Wheels Up Experience Inc. (UP) using 13 institutional-grade valuation models. JOBY has a Quality of Company score of 4.9/10 while UP scores 4.3/10.

Which is a better buy — JOBY or UP?

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 JOBY and UP valuations compare?

JOBY at $12.30 and UP at $8.86 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JOBY vs UP Valuation Comparison 2026 — Intrinsic Value Analysis

JOBY

Airports & Air Services

Joby Aviation, Inc.

Quality

4.9

out of 10

Value Trap

SAFE

Price

$12.30

Last close

Models

12/13

Active

UP

Airports & Air Services

Wheels Up Experience Inc.

Quality

4.3

out of 10

Value Trap

WARN

Price

$8.86

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	JOBY Fair Value	JOBY Upside	UP Fair Value	UP Upside
Bayesian DCF	Intrinsic	$4.36	-64.5%	$2.40	-70.5%
Earnings Power Value	Intrinsic	$3.91	-54.0%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$12.02	-2.3%	$31.49	+255.4%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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JOBY vs UP — Which Stock Is More Undervalued?

JOBY scores higher with a 4.9/10 quality rating vs UP's 4.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Joby Aviation, Inc. (JOBY) and Wheels Up Experience Inc. (UP) 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.

JOBY currently trades at $12.30 with a QOC of 4.9/10, while UP trades at $8.86 with a QOC of 4.3/10.

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).