Is NNI or RM more undervalued in 2026?

CirclFi compares Nelnet, Inc. (NNI) and Regional Management Corp. (RM) using 13 institutional-grade valuation models. NNI has a Quality of Company score of 8.4/10 while RM scores 8.1/10.

Which is a better buy — NNI or RM?

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 RM valuations compare?

NNI at $130.57 and RM at $36.76 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NNI vs RM Valuation Comparison 2026 — Intrinsic Value Analysis

NNI

Personal Credit Institutions

Nelnet, Inc.

Quality

8.4

out of 10

Value Trap

SAFE

Price

$130.57

Last close

Models

10/13

Active

RM

Personal Credit Institutions

Regional Management Corp.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$36.76

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	NNI Fair Value	NNI Upside	RM Fair Value	RM Upside
Bayesian DCF	Intrinsic	$164.35	+25.9%	—	—
EROIC Spread	Intrinsic	$56.13	-57.0%	$8.57	-75.8%
First Chicago	Scenario	$16.55	-87.3%	$10.36	-71.8%
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 RM — Which Stock Is More Undervalued?

NNI scores higher with a 8.4/10 quality rating vs RM's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Nelnet, Inc. (NNI) and Regional Management Corp. (RM) 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 $130.57 with a QOC of 8.4/10, while RM trades at $36.76 with a QOC of 8.1/10.

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).