Is TALK or TEM more undervalued in 2026?

CirclFi compares Talkspace, Inc. (TALK) and Tempus AI, Inc. (TEM) using 13 institutional-grade valuation models. TALK has a Quality of Company score of 7.3/10 while TEM scores 7.1/10.

Which is a better buy — TALK or TEM?

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 TALK and TEM valuations compare?

TALK at $5.19 and TEM at $51.29 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TALK vs TEM Valuation Comparison 2026 — Intrinsic Value Analysis

TALK

Health Information Services

Talkspace, Inc.

Quality

7.3

out of 10

Value Trap

SAFE

Price

$5.19

Last close

Models

13/13

Active

TEM

Health Information Services

Tempus AI, Inc.

Quality

7.1

out of 10

Value Trap

SAFE

Price

$51.29

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	TALK Fair Value	TALK Upside	TEM Fair Value	TEM Upside
Bayesian DCF	Intrinsic	$1.48	-71.6%	$13.48	-73.7%
Earnings Power Value	Intrinsic	$0.29	-94.5%	$24.20	-53.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
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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TALK vs TEM — Which Stock Is More Undervalued?

TALK scores higher with a 7.3/10 quality rating vs TEM's 7.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Talkspace, Inc. (TALK) and Tempus AI, Inc. (TEM) 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.

TALK currently trades at $5.19 with a QOC of 7.3/10, while TEM trades at $51.29 with a QOC of 7.1/10.

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).