Is OTH or SDA more undervalued in 2026?

CirclFi compares Off The Hook YS Inc. (OTH) and SunCar Technology Group Inc. (SDA) using 13 institutional-grade valuation models. OTH has a Quality of Company score of 6.1/10 while SDA scores 2.4/10.

Which is a better buy — OTH or SDA?

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 OTH and SDA valuations compare?

OTH at $2.57 and SDA at $0.79 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OTH vs SDA Valuation Comparison 2026 — Intrinsic Value Analysis

OTH

Auto & Truck Dealerships

Off The Hook YS Inc.

Quality

6.1

out of 10

Value Trap

—

Price

$2.57

Last close

Models

11/13

Active

SDA

Auto & Truck Dealerships

SunCar Technology Group Inc.

Quality

2.4

out of 10

Value Trap

—

Price

$0.79

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	OTH Fair Value	OTH Upside	SDA Fair Value	SDA Upside
Bayesian DCF	Intrinsic	$0.59	-77.0%	$0.21	-73.5%
Earnings Power Value	Intrinsic	$0.25	-90.8%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$0.57	-77.8%	$0.20	-60.7%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
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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OTH vs SDA — Which Stock Is More Undervalued?

OTH scores higher with a 6.1/10 quality rating vs SDA's 2.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Off The Hook YS Inc. (OTH) and SunCar Technology Group Inc. (SDA) 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.

OTH currently trades at $2.57 with a QOC of 6.1/10, while SDA trades at $0.79 with a QOC of 2.4/10.

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).