Is OPRT or PMTS more undervalued in 2026?

CirclFi compares Oportun Financial Corporation (OPRT) and CPI Card Group Inc. (PMTS) using 13 institutional-grade valuation models. OPRT has a Quality of Company score of 7.6/10 while PMTS scores 7.9/10.

Which is a better buy — OPRT or PMTS?

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 PMTS valuations compare?

OPRT at $5.29 and PMTS at $17.52 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OPRT vs PMTS Valuation Comparison 2026 — Intrinsic Value Analysis

OPRT

Credit Services

Oportun Financial Corporation

Quality

7.6

out of 10

Value Trap

LOW

Price

$5.29

Last close

Models

6/13

Active

PMTS

Credit Services

CPI Card Group Inc.

Quality

7.9

out of 10

Value Trap

SAFE

Price

$17.52

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	OPRT Fair Value	OPRT Upside	PMTS Fair Value	PMTS Upside
Bayesian DCF	Intrinsic	—	—	$51.61	+194.6%
Earnings Power Value	Intrinsic	$6.19	+17.1%	$23.32	+34.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$6.31	+19.3%	$54.85	+213.1%
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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OPRT vs PMTS — Which Stock Is More Undervalued?

PMTS scores higher with a 7.9/10 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 CPI Card Group Inc. (PMTS) 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 $5.29 with a QOC of 7.6/10, while PMTS trades at $17.52 with a QOC of 7.9/10.

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).