Is LU or OPFI more undervalued in 2026?

CirclFi compares Lufax Holding Ltd (LU) and OppFi Inc. (OPFI) using 13 institutional-grade valuation models. LU has a Quality of Company score of 4.9/10 while OPFI scores 8.9/10.

Which is a better buy — LU or OPFI?

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 LU and OPFI valuations compare?

LU at $1.65 and OPFI at $8.34 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LU vs OPFI Valuation Comparison 2026 — Intrinsic Value Analysis

LU

Credit Services

Lufax Holding Ltd

Quality

4.9

out of 10

Value Trap

SAFE

Price

$1.65

Last close

Models

8/13

Active

OPFI

Credit Services

OppFi Inc.

Quality

8.9

out of 10

Value Trap

SAFE

Price

$8.34

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	LU Fair Value	LU Upside	OPFI Fair Value	OPFI Upside
Bayesian DCF	Intrinsic	—	—	$34.15	+309.5%
Earnings Power Value	Intrinsic	—	—	$4.62	-44.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$4.28	+159.4%	$12.64	+51.6%
Markov DDM	Intrinsic	$7.62	+361.8%	$39.20	+370.0%
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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LU vs OPFI — Which Stock Is More Undervalued?

OPFI scores higher with a 8.9/10 quality rating vs LU's 4.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Lufax Holding Ltd (LU) and OppFi Inc. (OPFI) 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.

LU currently trades at $1.65 with a QOC of 4.9/10, while OPFI trades at $8.34 with a QOC of 8.9/10.

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).