Is OPFI or PRAA more undervalued in 2026?

CirclFi compares OppFi Inc. (OPFI) and PRA Group, Inc. (PRAA) using 13 institutional-grade valuation models. OPFI has a Quality of Company score of 8.9/10 while PRAA scores 7.2/10.

Which is a better buy — OPFI or PRAA?

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 OPFI and PRAA valuations compare?

OPFI at $8.34 and PRAA at $15.41 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OPFI vs PRAA Valuation Comparison 2026 — Intrinsic Value Analysis

OPFI

Credit Services

OppFi Inc.

Quality

8.9

out of 10

Value Trap

SAFE

Price

$8.34

Last close

Models

12/13

Active

PRAA

Credit Services

PRA Group, Inc.

Quality

7.2

out of 10

Value Trap

SAFE

Price

$15.41

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	OPFI Fair Value	OPFI Upside	PRAA Fair Value	PRAA Upside
Bayesian DCF	Intrinsic	$34.15	+309.5%	$2.47	-84.0%
Earnings Power Value	Intrinsic	$4.62	-44.6%	$50.53	+227.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
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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OPFI vs PRAA — Which Stock Is More Undervalued?

OPFI scores higher with a 8.9/10 quality rating vs PRAA's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing OppFi Inc. (OPFI) and PRA Group, Inc. (PRAA) 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.

OPFI currently trades at $8.34 with a QOC of 8.9/10, while PRAA trades at $15.41 with a QOC of 7.2/10.

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).