Is OPRT or PGY more undervalued in 2026?

CirclFi compares Oportun Financial Corporation (OPRT) and Pagaya Technologies Ltd. (PGY) using 13 institutional-grade valuation models. OPRT has a Quality of Company score of 7.6/10 while PGY scores 8.9/10.

Which is a better buy — OPRT or PGY?

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 OPRT and PGY valuations compare?

OPRT at $5.42 and PGY at $15.12 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OPRT vs PGY Valuation Comparison 2026 — Intrinsic Value Analysis

OPRT

Finance Services

Oportun Financial Corporation

Quality

7.6

out of 10

Value Trap

WARN

Price

$5.42

Last close

Models

6/13

Active

PGY

Finance Services

Pagaya Technologies Ltd.

Quality

8.9

out of 10

Value Trap

SAFE

Price

$15.12

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	OPRT Fair Value	OPRT Upside	PGY Fair Value	PGY Upside
Bayesian DCF	Intrinsic	—	—	$32.47	+114.7%
Earnings Power Value	Intrinsic	$6.19	+14.3%	$38.11	+152.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$6.93	+27.8%	$52.93	+250.1%
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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OPRT vs PGY — Which Stock Is More Undervalued?

PGY scores higher with a 8.9/10 quality rating vs OPRT's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Oportun Financial Corporation (OPRT) and Pagaya Technologies Ltd. (PGY) 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.

OPRT currently trades at $5.42 with a QOC of 7.6/10, while PGY trades at $15.12 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).