Is PYPL or RM more undervalued in 2026?

CirclFi compares PayPal Holdings, Inc. (PYPL) and Regional Management Corp. (RM) using 13 institutional-grade valuation models. PYPL has a Quality of Company score of 9.4/10 while RM scores 8.1/10.

Which is a better buy — PYPL or RM?

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 RM valuations compare?

PYPL at $44.46 and RM at $36.28 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PYPL vs RM 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

RM

Credit Services

Regional Management Corp.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$36.28

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	PYPL Fair Value	PYPL Upside	RM Fair Value	RM Upside
Bayesian DCF	Intrinsic	$95.88	+115.7%	—	—
Earnings Power Value	Intrinsic	$43.56	-2.0%	—	—
EROIC Spread	Intrinsic	$29.11	-34.5%	$8.57	-75.8%
First Chicago	Scenario	$121.35	+172.9%	$12.61	-65.2%
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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PYPL vs RM — Which Stock Is More Undervalued?

PYPL scores higher with a 9.4/10 quality rating vs RM's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PayPal Holdings, Inc. (PYPL) and Regional Management Corp. (RM) 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 RM trades at $36.28 with a QOC of 8.1/10.

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).