Is LPRO or NAVI more undervalued in 2026?

CirclFi compares Open Lending Corporation (LPRO) and Navient Corporation (NAVI) using 13 institutional-grade valuation models. LPRO has a Quality of Company score of 7.2/10 while NAVI scores 5.9/10.

Which is a better buy — LPRO or NAVI?

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 LPRO and NAVI valuations compare?

LPRO at $2.29 and NAVI at $8.31 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LPRO vs NAVI Valuation Comparison 2026 — Intrinsic Value Analysis

LPRO

Credit Services

Open Lending Corporation

Quality

7.2

out of 10

Value Trap

LOW

Price

$2.29

Last close

Models

13/13

Active

NAVI

Credit Services

Navient Corporation

Quality

5.9

out of 10

Value Trap

LOW

Price

$8.31

Last close

Models

2/13

Active

Model-by-Model Comparison

Model	Type	LPRO Fair Value	LPRO Upside	NAVI Fair Value	NAVI Upside
Bayesian DCF	Intrinsic	$5.39	+135.4%	—	—
Earnings Power Value	Intrinsic	$7.75	+337.9%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$4.53	+97.8%	$16.86	+102.9%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$1.74	-2.2%	$10.92	+31.9%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LPRO vs NAVI — Which Stock Is More Undervalued?

LPRO scores higher with a 7.2/10 quality rating vs NAVI's 5.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Open Lending Corporation (LPRO) and Navient Corporation (NAVI) 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.

LPRO currently trades at $2.29 with a QOC of 7.2/10, while NAVI trades at $8.31 with a QOC of 5.9/10.

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).