Is PYPL or QFIN more undervalued in 2026?

CirclFi compares PayPal Holdings, Inc. (PYPL) and Qfin Holdings, Inc. (QFIN) using 13 institutional-grade valuation models. PYPL has a Quality of Company score of 9.4/10 while QFIN scores 10.0/10.

Which is a better buy — PYPL 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 PYPL and QFIN valuations compare?

PYPL at $44.46 and QFIN at $15.37 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PYPL vs QFIN Valuation Comparison 2026 — Intrinsic Value Analysis

PYPL

Credit Services

PayPal Holdings, Inc.

Quality

9.4

out of 10

Value Trap

—

Price

$44.46

Last close

Models

11/13

Active

QFIN

Credit Services

Qfin Holdings, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$15.37

Last close

Models

5/13

Active

Model-by-Model Comparison

Model	Type	PYPL Fair Value	PYPL Upside	QFIN Fair Value	QFIN Upside
Bayesian DCF	Intrinsic	$95.88	+115.7%	—	—
Earnings Power Value	Intrinsic	$43.56	-2.0%	$74.07	+381.9%
EROIC Spread	Intrinsic	$29.11	-34.5%	$46.84	+204.8%
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	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PYPL vs QFIN — Which Stock Is More Undervalued?

QFIN scores higher with a 10.0/10 quality rating vs PYPL's 9.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PayPal Holdings, Inc. (PYPL) 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.

PYPL currently trades at $44.46 with a QOC of 9.4/10, while QFIN trades at $15.37 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).