Is KLAR or LDI more undervalued in 2026?

CirclFi compares Klarna Group plc (KLAR) and loanDepot, Inc. (LDI) using 13 institutional-grade valuation models. KLAR has a Quality of Company score of 4.5/10 while LDI scores 4.1/10.

Which is a better buy — KLAR or LDI?

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 KLAR and LDI valuations compare?

KLAR at $18.29 and LDI at $1.32 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

KLAR vs LDI Valuation Comparison 2026 — Intrinsic Value Analysis

KLAR

Finance Services

Klarna Group plc

Quality

4.5

out of 10

Value Trap

—

Price

$18.29

Last close

Models

11/13

Active

LDI

Finance Services

loanDepot, Inc.

Quality

4.1

out of 10

Value Trap

LOW

Price

$1.32

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	KLAR Fair Value	KLAR Upside	LDI Fair Value	LDI Upside
Bayesian DCF	Intrinsic	$6.77	-63.0%	—	—
Earnings Power Value	Intrinsic	$15.89	+13.0%	$1.43	-9.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$2.45	-82.6%	$0.04	-97.2%
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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KLAR vs LDI — Which Stock Is More Undervalued?

KLAR scores higher with a 4.5/10 quality rating vs LDI's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Klarna Group plc (KLAR) and loanDepot, Inc. (LDI) 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.

KLAR currently trades at $18.29 with a QOC of 4.5/10, while LDI trades at $1.32 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).