Is NRC or PHR more undervalued in 2026?

CirclFi compares NRC Health (NRC) and Phreesia, Inc. (PHR) using 13 institutional-grade valuation models. NRC has a Quality of Company score of 7.2/10 while PHR scores 7.6/10.

Which is a better buy — NRC or PHR?

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 NRC and PHR valuations compare?

NRC at $19.66 and PHR at $9.45 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NRC vs PHR Valuation Comparison 2026 — Intrinsic Value Analysis

NRC

Health Information Services

NRC Health

Quality

7.2

out of 10

Value Trap

SAFE

Price

$19.66

Last close

Models

11/13

Active

PHR

Health Information Services

Phreesia, Inc.

Quality

7.6

out of 10

Value Trap

LOW

Price

$9.45

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	NRC Fair Value	NRC Upside	PHR Fair Value	PHR Upside
Bayesian DCF	Intrinsic	$7.56	-61.6%	$0.45	-95.3%
Earnings Power Value	Intrinsic	$0.49	-97.5%	$2.63	-72.2%
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	$•••.••	••.•%	$•••.••	••.•%

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NRC vs PHR — Which Stock Is More Undervalued?

PHR scores higher with a 7.6/10 quality rating vs NRC's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing NRC Health (NRC) and Phreesia, Inc. (PHR) 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.

NRC currently trades at $19.66 with a QOC of 7.2/10, while PHR trades at $9.45 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).