Is LPRO or OMF more undervalued in 2026?

CirclFi compares Open Lending Corporation (LPRO) and OneMain Holdings, Inc. (OMF) using 13 institutional-grade valuation models. LPRO has a Quality of Company score of 7.2/10 while OMF scores 7.6/10.

Which is a better buy — LPRO or OMF?

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 LPRO and OMF valuations compare?

LPRO at $2.29 and OMF at $54.06 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LPRO vs OMF Valuation Comparison 2026 — Intrinsic Value Analysis

LPRO

Credit Services

Open Lending Corporation

Quality

7.2

out of 10

Value Trap

LOW

Price

$2.29

Last close

Models

13/13

Active

OMF

Credit Services

OneMain Holdings, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$54.06

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	LPRO Fair Value	LPRO Upside	OMF Fair Value	OMF Upside
Bayesian DCF	Intrinsic	$5.39	+135.4%	$42.23	-21.9%
Earnings Power Value	Intrinsic	$7.75	+337.9%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$0.05	-98.0%	$101.88	+88.5%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LPRO vs OMF — Which Stock Is More Undervalued?

OMF scores higher with a 7.6/10 quality rating vs LPRO's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Open Lending Corporation (LPRO) and OneMain Holdings, Inc. (OMF) 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.

LPRO currently trades at $2.29 with a QOC of 7.2/10, while OMF trades at $54.06 with a QOC of 7.6/10.

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).