Is NNI or OPRT more undervalued in 2026?

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

Which is a better buy — NNI or OPRT?

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 OPRT valuations compare?

NNI at $130.12 and OPRT at $5.29 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NNI vs OPRT 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

OPRT

Credit Services

Oportun Financial Corporation

Quality

7.6

out of 10

Value Trap

LOW

Price

$5.29

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	NNI Fair Value	NNI Upside	OPRT Fair Value	OPRT Upside
Bayesian DCF	Intrinsic	$175.58	+34.9%	—	—
Earnings Power Value	Intrinsic	—	—	$6.19	+17.1%
EROIC Spread	Intrinsic	$56.01	-57.0%	$8.26	+56.1%
First Chicago	Scenario	$16.55	-87.3%	$6.31	+19.3%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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NNI vs OPRT — Which Stock Is More Undervalued?

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

Comparing Nelnet, Inc. (NNI) and Oportun Financial Corporation (OPRT) 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 OPRT trades at $5.29 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).