Research Brief Updated 2026-07-13

Best Earnings Power Value Finance Services Stocks 2026

Top Finance Services stocks by Earnings Power Value (EPV) upside in 2026. Greenwald-framework normalized earnings valuation updated daily from SEC filings.

66 stocks analyzed 13 models active By CirclFi Research Team

Top 10

Screened from 66 equities.

# Ticker Company Signal QOC Price EPV Upside
1 LDI loanDepot, Inc. 4.3 $1.08 +450.8%
2 SLNH Soluna Holdings, Inc. 6.2 $1.12 +282.9%
3 XYF X Financial 9.7 $4.62 +266.4%
4 EXOD Exodus Movement, Inc. 8.1 $4.87 +261.3%
5 QFIN Qfin Holdings, Inc. 10.0 $12.80 +251.5%
6 BGIN Bgin Blockchain Limited 7.4 $1.94 +215.3%
7 HTT High Templar Tech Limited 5.7 $2.73 +163.8%
8 GHI Greystone Housing Impact Invest 7.3 $5.28 +149.1%
9 BKKT Bakkt, Inc. 6.6 $8.07 +139.5%
10 BUR Burford Capital Limited 6.2 $4.21 +108.4%
11 C••• Consumer ••••• •.• $•••.•• ••.•%
12 F••• BitFuFu ••••• •.• $•••.•• ••.•%
13 S••• Synchrony ••••• •.• $•••.•• ••.•%
14 S••• Security ••••• •.• $•••.•• ••.•%
15 W••• Wealthfront ••••• •.• $•••.•• ••.•%
16 W••• Walker ••••• •.• $•••.•• ••.•%
17 G••• Greenidge ••••• •.• $•••.•• ••.•%
18 M••• MDB ••••• •.• $•••.•• ••.•%
19 G••• Green ••••• •.• $•••.•• ••.•%
20 O••• Oportun ••••• •.• $•••.•• ••.•%

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How CirclFi Ranks Finance Services Stocks

CirclFi analyzes 66 Finance Services stocks daily using 13 independent models processing SEC EDGAR filings, FRED macro data, and GDELT sentiment.

For Finance Services stocks, CirclFi adjusts sector-relative benchmarks — comparing margins, capital intensity, and growth rates against Finance Services industry medians.

Profitability Matrix

ROIC, Gross Margin expansion, and FCF Yield analysis.

Growth Vector

Revenue compounding vs. sector benchmarks.

Stability Index

Altman Z-Score, debt resilience, and earnings variance.

Methodology: EPV Upside

Earnings Power Value uses the Greenwald framework: normalized current earnings capitalized at the cost of capital, with no growth assumptions.

Models: Bayesian DCF, EPV, First Chicago, Markov DDM, ML-RIV, FTNN Topology, and 7 more.

Frequently Asked Questions

What are the best earnings power value finance services stocks in 2026?

CirclFi identifies the best earnings power value finance services stocks 2026 using 13 institutional-grade valuation models including Bayesian DCF (10,000 Monte Carlo simulations), EPV (Greenwald framework), and EROIC Spread (McKinsey). Rankings update daily from SEC EDGAR filings. The current top-ranked stock is LDI (loanDepot, Inc.).

How does CirclFi rank Finance Services stocks?

Stocks are ranked by EPV Upside derived from CirclFi's proprietary models. Each model independently processes SEC EDGAR financial data (700+ XBRL tags), FRED macroeconomic indicators, and GDELT news sentiment to produce confidence-weighted fair value estimates. The ranking methodology combines multiple valuation approaches — intrinsic, relative, scenario, and ensemble — for maximum robustness.

How often is the best earnings power value finance services stocks 2026 list updated?

This list is recalculated daily after US market close. Every stock is re-valued through all 13 models using the latest SEC EDGAR filings, market prices, and FRED macroeconomic data. Rankings can change daily as new financial data becomes available or market prices shift relative to fair value estimates.

What is the Quality of Company (QOC) score?

The QOC score is a 0-10 composite rating derived from 32 fundamental signals across four pillars: profitability (ROE, ROIC, margins), growth (revenue CAGR, earnings acceleration), stability (earnings volatility, debt coverage), and capital efficiency (asset turnover, free cash flow yield). Higher scores indicate stronger fundamentals. Scores above 7 represent top-tier companies.

How does this list compare to other stock screeners?

Unlike simple screeners that filter by P/E or dividend yield, CirclFi runs 13 independent institutional-grade valuation models on every stock — including Bayesian DCF with Monte Carlo simulation, Greenwald EPV, and McKinsey economic profit frameworks. Each stock receives over 76,000 data points of analysis daily. Most retail screeners use 1-2 metrics; CirclFi uses 13 models with 32 quality signals.