Is MSIF or MUJ more undervalued in 2026?

CirclFi compares MSC Income Fund, Inc. (MSIF) and Blackrock MuniHoldings New Jers (MUJ) using 13 institutional-grade valuation models. MSIF has a Quality of Company score of 7.2/10 while MUJ scores 1.7/10.

Which is a better buy — MSIF or MUJ?

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 MSIF and MUJ valuations compare?

MSIF at $12.19 and MUJ at $12.23 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

MSIF vs MUJ Valuation Comparison 2026 — Intrinsic Value Analysis

MSIF

Asset Management

MSC Income Fund, Inc.

Quality

7.2

out of 10

Value Trap

SAFE

Price

$12.19

Last close

Models

12/13

Active

MUJ

Asset Management

Blackrock MuniHoldings New Jers

Quality

1.7

out of 10

Value Trap

—

Price

$12.23

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	MSIF Fair Value	MSIF Upside	MUJ Fair Value	MUJ Upside
Bayesian DCF	Intrinsic	$4.48	-62.1%	$3.24	-73.5%
Earnings Power Value	Intrinsic	$0.96	-92.1%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
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	$19.78	+62.3%	$5.92	-51.0%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for MSIF vs MUJ — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

MSIF vs MUJ — Which Stock Is More Undervalued?

MSIF scores higher with a 7.2/10 quality rating vs MUJ's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing MSC Income Fund, Inc. (MSIF) and Blackrock MuniHoldings New Jers (MUJ) 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.

MSIF currently trades at $12.19 with a QOC of 7.2/10, while MUJ trades at $12.23 with a QOC of 1.7/10.

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).