Is NNI or OMF more undervalued in 2026?

CirclFi compares Nelnet, Inc. (NNI) and OneMain Holdings, Inc. (OMF) using 13 institutional-grade valuation models. NNI has a Quality of Company score of 8.4/10 while OMF scores 7.6/10.

Which is a better buy — NNI or OMF?

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 NNI and OMF valuations compare?

NNI at $130.12 and OMF at $54.06 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NNI vs OMF Valuation Comparison 2026 — Intrinsic Value Analysis

NNI

Credit Services

Nelnet, Inc.

Quality

8.4

out of 10

Value Trap

SAFE

Price

$130.12

Last close

Models

10/13

Active

OMF

Credit Services

OneMain Holdings, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$54.06

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	NNI Fair Value	NNI Upside	OMF Fair Value	OMF Upside
Bayesian DCF	Intrinsic	$175.58	+34.9%	$42.23	-21.9%
EROIC Spread	Intrinsic	$56.01	-57.0%	—	—
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$546.10	+319.7%	$101.88	+88.5%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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NNI vs OMF — Which Stock Is More Undervalued?

NNI scores higher with a 8.4/10 quality rating vs OMF's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Nelnet, Inc. (NNI) and OneMain Holdings, Inc. (OMF) 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.

NNI currently trades at $130.12 with a QOC of 8.4/10, while OMF trades at $54.06 with a QOC of 7.6/10.

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).