Is FIGR or FLD more undervalued in 2026?

CirclFi compares Figure Technology Solutions, In (FIGR) and Fold Holdings, Inc. (FLD) using 13 institutional-grade valuation models. FIGR has a Quality of Company score of 7.6/10 while FLD scores 4.1/10.

Which is a better buy — FIGR or FLD?

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 FIGR and FLD valuations compare?

FIGR at $34.73 and FLD at $1.00 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FIGR vs FLD Valuation Comparison 2026 — Intrinsic Value Analysis

FIGR

Capital Markets

Figure Technology Solutions, In

Quality

7.6

out of 10

Value Trap

—

Price

$34.73

Last close

Models

13/13

Active

FLD

Capital Markets

Fold Holdings, Inc.

Quality

4.1

out of 10

Value Trap

SAFE

Price

$1.00

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	FIGR Fair Value	FIGR Upside	FLD Fair Value	FLD Upside
Bayesian DCF	Intrinsic	$6.59	-81.0%	$0.31	-69.4%
Earnings Power Value	Intrinsic	$7.93	-77.2%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$3.48	-90.0%	$0.02	-98.0%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FIGR vs FLD — Which Stock Is More Undervalued?

FIGR scores higher with a 7.6/10 quality rating vs FLD's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Figure Technology Solutions, In (FIGR) and Fold Holdings, Inc. (FLD) 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.

FIGR currently trades at $34.73 with a QOC of 7.6/10, while FLD trades at $1.00 with a QOC of 4.1/10.

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).