Is PAPL or QFIN more undervalued in 2026?

CirclFi compares Pineapple Financial Inc. (PAPL) and Qfin Holdings, Inc. (QFIN) using 13 institutional-grade valuation models. PAPL has a Quality of Company score of 5.4/10 while QFIN scores 10.0/10.

Which is a better buy — PAPL or QFIN?

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 PAPL and QFIN valuations compare?

PAPL at $1.07 and QFIN at $16.08 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PAPL vs QFIN Valuation Comparison 2026 — Intrinsic Value Analysis

PAPL

Finance Services

Pineapple Financial Inc.

Quality

5.4

out of 10

Value Trap

LOW

Price

$1.07

Last close

Models

11/13

Active

QFIN

Finance Services

Qfin Holdings, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$16.08

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	PAPL Fair Value	PAPL Upside	QFIN Fair Value	QFIN Upside
Bayesian DCF	Intrinsic	$0.65	-38.9%	—	—
Earnings Power Value	Intrinsic	$1.14	-22.2%	$74.09	+360.8%
EROIC Spread	Intrinsic	$0.61	-43.2%	$46.99	+192.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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PAPL vs QFIN — Which Stock Is More Undervalued?

QFIN scores higher with a 10.0/10 quality rating vs PAPL's 5.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Pineapple Financial Inc. (PAPL) and Qfin Holdings, Inc. (QFIN) 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.

PAPL currently trades at $1.07 with a QOC of 5.4/10, while QFIN trades at $16.08 with a QOC of 10.0/10.

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).