Is LPRO or NNI more undervalued in 2026?

CirclFi compares Open Lending Corporation (LPRO) and Nelnet, Inc. (NNI) using 13 institutional-grade valuation models. LPRO has a Quality of Company score of 7.2/10 while NNI scores 8.4/10.

Which is a better buy — LPRO 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 LPRO and NNI valuations compare?

LPRO at $2.28 and NNI at $130.57 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LPRO vs NNI Valuation Comparison 2026 — Intrinsic Value Analysis

LPRO

Personal Credit Institutions

Open Lending Corporation

Quality

7.2

out of 10

Value Trap

LOW

Price

$2.28

Last close

Models

13/13

Active

NNI

Personal Credit Institutions

Nelnet, Inc.

Quality

8.4

out of 10

Value Trap

SAFE

Price

$130.57

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	LPRO Fair Value	LPRO Upside	NNI Fair Value	NNI Upside
Bayesian DCF	Intrinsic	$5.54	+142.9%	$164.35	+25.9%
Earnings Power Value	Intrinsic	$7.75	+337.9%	—	—
EROIC Spread	Intrinsic	$0.88	-61.3%	$56.13	-57.0%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LPRO vs NNI — Which Stock Is More Undervalued?

NNI scores higher with a 8.4/10 quality rating vs LPRO's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Open Lending Corporation (LPRO) 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.

LPRO currently trades at $2.28 with a QOC of 7.2/10, while NNI trades at $130.57 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).