Is CUPR or HSCS more undervalued in 2026?

CirclFi compares Cuprina Holdings (Cayman) Limit (CUPR) and HeartSciences Inc. (HSCS) using 13 institutional-grade valuation models. CUPR has a Quality of Company score of 5.3/10 while HSCS scores 4.2/10.

Which is a better buy — CUPR or HSCS?

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 CUPR and HSCS valuations compare?

CUPR at $2.40 and HSCS at $1.67 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CUPR vs HSCS Valuation Comparison 2026 — Intrinsic Value Analysis

CUPR

Orthopedic, Prosthetic & Surgical Appliances & Supplies

Cuprina Holdings (Cayman) Limit

Quality

5.3

out of 10

Value Trap

SAFE

Price

$2.40

Last close

Models

9/13

Active

HSCS

Orthopedic, Prosthetic & Surgical Appliances & Supplies

HeartSciences Inc.

Quality

4.2

out of 10

Value Trap

LOW

Price

$1.67

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	CUPR Fair Value	CUPR Upside	HSCS Fair Value	HSCS Upside
Bayesian DCF	Intrinsic	$0.14	-94.1%	$1.00	-40.4%
Earnings Power Value	Intrinsic	—	—	$1.36	-31.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$0.17	-92.8%	$0.54	-67.7%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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CUPR vs HSCS — Which Stock Is More Undervalued?

CUPR scores higher with a 5.3/10 quality rating vs HSCS's 4.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Cuprina Holdings (Cayman) Limit (CUPR) and HeartSciences Inc. (HSCS) 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.

CUPR currently trades at $2.40 with a QOC of 5.3/10, while HSCS trades at $1.67 with a QOC of 4.2/10.

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).