Is QFIN or SAIH more undervalued in 2026?

CirclFi compares Qfin Holdings, Inc. (QFIN) and SAIHEAT Limited (SAIH) using 13 institutional-grade valuation models. QFIN has a Quality of Company score of 10.0/10 while SAIH scores 4.4/10.

Which is a better buy — QFIN or SAIH?

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 SAIH valuations compare?

QFIN at $16.08 and SAIH at $11.16 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

QFIN vs SAIH Valuation Comparison 2026 — Intrinsic Value Analysis

QFIN

Finance Services

Qfin Holdings, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$16.08

Last close

Models

6/13

Active

SAIH

Finance Services

SAIHEAT Limited

Quality

4.4

out of 10

Value Trap

SAFE

Price

$11.16

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	QFIN Fair Value	QFIN Upside	SAIH Fair Value	SAIH Upside
Bayesian DCF	Intrinsic	—	—	$2.15	-80.7%
Earnings Power Value	Intrinsic	$74.09	+360.8%	—	—
EROIC Spread	Intrinsic	$46.99	+192.2%	—	—
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	—	—	$3.67	-67.1%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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QFIN vs SAIH — Which Stock Is More Undervalued?

QFIN scores higher with a 10.0/10 quality rating vs SAIH's 4.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Qfin Holdings, Inc. (QFIN) and SAIHEAT Limited (SAIH) 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 $16.08 with a QOC of 10.0/10, while SAIH trades at $11.16 with a QOC of 4.4/10.

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).