Is LC or PICS more undervalued in 2026?

CirclFi compares LendingClub Corporation (LC) and PicS N.V. (PICS) using 13 institutional-grade valuation models. LC has a Quality of Company score of 7.3/10 while PICS scores 1.7/10.

Which is a better buy — LC or PICS?

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 LC and PICS valuations compare?

LC at $17.85 and PICS at $10.59 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LC vs PICS Valuation Comparison 2026 — Intrinsic Value Analysis

LC

Personal Credit Institutions

LendingClub Corporation

Quality

7.3

out of 10

Value Trap

—

Price

$17.85

Last close

Models

11/13

Active

PICS

Personal Credit Institutions

PicS N.V.

Quality

1.7

out of 10

Value Trap

—

Price

$10.59

Last close

Models

4/13

Active

Model-by-Model Comparison

Model	Type	LC Fair Value	LC Upside	PICS Fair Value	PICS Upside
Bayesian DCF	Intrinsic	$11.53	-35.4%	$2.85	-73.1%
Earnings Power Value	Intrinsic	$18.73	+4.9%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$15.07	-15.6%	$12.75	+20.4%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LC vs PICS — Which Stock Is More Undervalued?

LC scores higher with a 7.3/10 quality rating vs PICS's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing LendingClub Corporation (LC) and PicS N.V. (PICS) 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.

LC currently trades at $17.85 with a QOC of 7.3/10, while PICS trades at $10.59 with a QOC of 1.7/10.

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).