1525 (NML) Fair Value 2026

NML · — ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

2.0 /10

32 fundamental signals · 7 models active

Value Trap Risk

— (—/100)

Quick Summary — As of 2026-07-17, 1525 (NML) trades at $10.30, approximately 298% above CirclFi’s Bayesian DCF fair value of $2.59. QOC: 2.0/10. 7/13 models active.

Key Facts

Ticker
NML
Price
$10.30
Quality Score
2.0/10
Value Trap Risk
—/100
Models Active
7/13
Last Updated
Strength: First Chicago suggests +24.7% upside with 2% confidence
Risk: Below-average Quality Score of 2.0/10 signals weak fundamentals

Is 1525 (NML) Undervalued or Overvalued in 2026?

According to CirclFi’s 7-model valuation engine, 1525 (NML) appears overvalued as of : the median of 7 independent fair value estimates is $7.08, 31.3% below the current price of $10.30. Estimates range from $2.59 to $12.85. NML scores 2.0/10 on fundamental quality and —/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy 1525 Stock in 2026? →

Valuation Matrix

7 Intrinsic Value Models vs. Current Price ($10.30)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
Low Conviction
 $2.59 -74.9%
CUCE Ensemble
Low Conviction
 $6.90 -33.0%
First Chicago
Low Conviction
 $12.85 +24.7%

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What Is 1525 (NML) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on 1525 at its current price of $10.30. The composite intrinsic value is estimated at $8.12 (-21.2% average return), with 5 models flagging overvaluation risk. The most optimistic model, First Chicago, places fair value at $12.85 (+24.7%), while Bayesian DCF — the most conservative — estimates $2.59 (-74.9%). This +99.6% gap reflects genuine analytical uncertainty about 1525's intrinsic worth.

What Do the Models Say About NML?

7 of 13 models are currently active for NML. Of these, 2 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates NML's intrinsic value at $2.59, implying -74.9% downside from the current price. See which stocks rank higher →

How Does NML Rank in —?

NML operates in the — sector. CirclFi's QOC score of 2.0/10 evaluates 32 fundamental signals. A score of 2.0 signals below-average fundamentals.

1525 operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is NML a Value Trap?

The Value Trap algorithm is not active for NML. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

7 of 13 models are active for 1525. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, 1525 is rated at 2.0/10. This weak-tier score exhibits fundamental weaknesses that warrant careful scrutiny.

The gap between the most bullish and bearish model spans +99.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every NML valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across NML's 7 active models, average confidence is 3%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy 1525 Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar — Stocks Should You Also Analyze?

8 related — stocks with 13-model coverage

PSECProspect Capital CorporationQOC 8.4SCMStellus Capital Investment CorpQOC 7.8FDUSFidus Investment CorporationQOC 7.6HTGCHercules Capital, Inc.QOC 7.6GLADGladstone Capital CorporationQOC 7.4TPVGTriplePoint Venture Growth BDC QOC 7.3OXSQOxford Square Capital Corp.QOC 7.2GBDCGolub Capital BDC, Inc.QOC 7.2

Read investment analysis: PSEC · SCM · FDUS · HTGC · GLAD

Frequently Asked Questions About 1525

What is 1525's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, 1525 (NML) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $2.59. The Quality of Company score is 2.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is NML overvalued or undervalued right now?

At $10.30, 2 of 7 active models suggest NML may be undervalued, while 5 indicate potential overvaluation. The median of all 7 fair value estimates is $7.08, 31.3% below the current price of $10.30 — a consensus view that NML is overvalued. The assessment depends on which methodology best fits 1525's business model in —.

What does a Quality of Company score of 2.0 mean for NML?

1525's QOC of 2.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on NML?

CirclFi analyzes NML with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 7 of 13 are active for this stock. Read the full methodology →

Is NML a value trap in 2026?

CirclFi's Value Trap algorithm does not have sufficient data for NML at this time. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 7-model valuation engine, 1525 (NML) has a median fair value of $7.08 — 31.3% below the current price of $10.30 — as of 2026-07-17.” Source: circlfi.com/stock/NML/ · Methodology

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