Is QFIN or RM more undervalued in 2026?

CirclFi compares Qfin Holdings, Inc. (QFIN) and Regional Management Corp. (RM) using 13 institutional-grade valuation models. QFIN has a Quality of Company score of 10.0/10 while RM scores 8.1/10.

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

QFIN at $15.37 and RM at $36.28 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

QFIN vs RM Valuation Comparison 2026 — Intrinsic Value Analysis

QFIN

Credit Services

Qfin Holdings, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$15.37

Last close

Models

5/13

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	QFIN Fair Value	QFIN Upside	RM Fair Value	RM Upside
Earnings Power Value	Intrinsic	$74.07	+381.9%	—	—
EROIC Spread	Intrinsic	$46.84	+204.8%	$8.57	-75.8%
First Chicago	Scenario	—	—	$12.61	-65.2%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for QFIN vs RM — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

QFIN vs RM — Which Stock Is More Undervalued?

QFIN scores higher with a 10.0/10 quality rating vs RM's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Qfin Holdings, Inc. (QFIN) 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.

QFIN currently trades at $15.37 with a QOC of 10.0/10, 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).