Is COF or CPSS more undervalued in 2026?

CirclFi compares Capital One Financial Corporati (COF) and Consumer Portfolio Services, In (CPSS) using 13 institutional-grade valuation models. COF has a Quality of Company score of 7.4/10 while CPSS scores 8.8/10.

Which is a better buy — COF 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 COF and CPSS valuations compare?

COF at $187.02 and CPSS at $9.84 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

COF vs CPSS Valuation Comparison 2026 — Intrinsic Value Analysis

COF

Credit Services

Capital One Financial Corporati

Quality

7.4

out of 10

Value Trap

SAFE

Price

$187.02

Last close

Models

12/13

Active

CPSS

Credit Services

Consumer Portfolio Services, In

Quality

8.8

out of 10

Value Trap

—

Price

$9.84

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	COF Fair Value	COF Upside	CPSS Fair Value	CPSS Upside
Bayesian DCF	Intrinsic	$191.49	+2.4%	$38.30	+289.2%
Earnings Power Value	Intrinsic	$155.75	-16.7%	$9.99	+5.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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COF vs CPSS — Which Stock Is More Undervalued?

CPSS scores higher with a 8.8/10 quality rating vs COF's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Capital One Financial Corporati (COF) 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.

COF currently trades at $187.02 with a QOC of 7.4/10, while CPSS trades at $9.84 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).