Is NU or ORIO more undervalued in 2026?

CirclFi compares Nu Holdings Ltd. (NU) and Orion Digital Corp. (ORIO) using 13 institutional-grade valuation models. NU has a Quality of Company score of 7.7/10 while ORIO scores 1.8/10.

Which is a better buy — NU or ORIO?

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 NU and ORIO valuations compare?

NU at $13.13 and ORIO at $0.94 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NU vs ORIO Valuation Comparison 2026 — Intrinsic Value Analysis

NU

Finance Services

Nu Holdings Ltd.

Quality

7.7

out of 10

Value Trap

SAFE

Price

$13.13

Last close

Models

12/13

Active

ORIO

Finance Services

Orion Digital Corp.

Quality

1.8

out of 10

Value Trap

—

Price

$0.94

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	NU Fair Value	NU Upside	ORIO Fair Value	ORIO Upside
Bayesian DCF	Intrinsic	$3.37	-74.3%	$0.25	-73.0%
Earnings Power Value	Intrinsic	$7.12	-45.8%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$20.21	+53.9%	$3.32	+252.7%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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NU vs ORIO — Which Stock Is More Undervalued?

NU scores higher with a 7.7/10 quality rating vs ORIO's 1.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Nu Holdings Ltd. (NU) and Orion Digital Corp. (ORIO) 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.

NU currently trades at $13.13 with a QOC of 7.7/10, while ORIO trades at $0.94 with a QOC of 1.8/10.

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).