Is CNF or CPSS more undervalued in 2026?

CirclFi compares CNFinance Holdings Limited (CNF) and Consumer Portfolio Services, In (CPSS) using 13 institutional-grade valuation models. CNF has a Quality of Company score of 5.5/10 while CPSS scores 8.8/10.

Which is a better buy — CNF or CPSS?

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 CNF and CPSS valuations compare?

CNF at $3.13 and CPSS at $9.86 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CNF vs CPSS Valuation Comparison 2026 — Intrinsic Value Analysis

CNF

Finance Services

CNFinance Holdings Limited

Quality

5.5

out of 10

Value Trap

LOW

Price

$3.13

Last close

Models

6/13

Active

CPSS

Finance Services

Consumer Portfolio Services, In

Quality

8.8

out of 10

Value Trap

—

Price

$9.86

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	CNF Fair Value	CNF Upside	CPSS Fair Value	CPSS Upside
Bayesian DCF	Intrinsic	—	—	$48.94	+396.4%
Earnings Power Value	Intrinsic	—	—	$9.99	+5.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$0.33	-89.1%	$4.82	-51.2%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$10.86	+247.1%	—	—

🔒

Unlock Full 13-Model Comparison

Access all valuation models for CNF vs CPSS — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

CNF vs CPSS — Which Stock Is More Undervalued?

CPSS scores higher with a 8.8/10 quality rating vs CNF's 5.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing CNFinance Holdings Limited (CNF) and Consumer Portfolio Services, In (CPSS) 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.

CNF currently trades at $3.13 with a QOC of 5.5/10, while CPSS trades at $9.86 with a QOC of 8.8/10.

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).