Is BFH or LPRO more undervalued in 2026?

CirclFi compares Bread Financial Holdings, Inc. (BFH) and Open Lending Corporation (LPRO) using 13 institutional-grade valuation models. BFH has a Quality of Company score of 8.0/10 while LPRO scores 7.2/10.

Which is a better buy — BFH or LPRO?

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 BFH and LPRO valuations compare?

BFH at $89.07 and LPRO at $2.28 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BFH vs LPRO Valuation Comparison 2026 — Intrinsic Value Analysis

BFH

Personal Credit Institutions

Bread Financial Holdings, Inc.

Quality

8.0

out of 10

Value Trap

SAFE

Price

$89.07

Last close

Models

12/13

Active

LPRO

Personal Credit Institutions

Open Lending Corporation

Quality

7.2

out of 10

Value Trap

LOW

Price

$2.28

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	BFH Fair Value	BFH Upside	LPRO Fair Value	LPRO Upside
Bayesian DCF	Intrinsic	$244.23	+174.2%	$5.54	+142.9%
Earnings Power Value	Intrinsic	$139.91	+57.1%	$7.75	+337.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
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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BFH vs LPRO — Which Stock Is More Undervalued?

BFH scores higher with a 8.0/10 quality rating vs LPRO's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Bread Financial Holdings, Inc. (BFH) and Open Lending Corporation (LPRO) 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.

BFH currently trades at $89.07 with a QOC of 8.0/10, while LPRO trades at $2.28 with a QOC of 7.2/10.

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).