Katapult Holdings, Inc. (KPLT) Fair Value 2026

KPLT · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.4 /10

32 fundamental signals · 5 models active

Value Trap Risk

LOW (28/100)

Quick Summary — As of 2026-08-28, Katapult Holdings, Inc. (KPLT) trades at $5.69, versus a $6.62 median fair value across its 5 active models — 16.4% above the current price. QOC: 5.4/10. Value Trap Risk: 28/100 (LOW). 5/13 models active.

Key Facts

Ticker
KPLT
Price
$5.69
Quality Score
5.4/10
Value Trap Risk
28/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +108.5% upside with 3% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Katapult Holdings, Inc. (KPLT) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Katapult Holdings, Inc. (KPLT) appears undervalued as of : the median of 5 independent fair value estimates is $6.62, 16.4% above the current price of $5.69. Estimates range from $0.28 to $21.67. KPLT scores 5.4/10 on fundamental quality and 28/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. KPLT’s +16.4% gap is narrower than that market norm, and the Software - Infrastructure sector median is -23.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Katapult Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give KPLT?

5 Intrinsic Value Models vs. Current Price ($5.69)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $11.86 +108.5%
Relative · Medium Conviction
 $0.31 -94.5%
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What Is KPLT's Fair Value Range?

Spread across 5 independent models · $0.28 to $21.67

CirclFi's 5 active models place Katapult Holdings, Inc. (KPLT) between $0.28 and $21.67 per share, a spread of 323% of the median. The median of that range — $6.62 — is the fair value CirclFi publishes for KPLT, against a current price of $5.69.

Low · PWERMHigh · Sentiment SOTP
$0.28median $6.62$21.67
Where the range comes from
Most bearish modelPWERM$0.28
Most bullish modelSentiment SOTP$21.67
Model agreement3 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for KPLT. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on KPLT, not a CirclFi price target. How each model works →

What Is Katapult Holdings, Inc. (KPLT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on Katapult Holdings, Inc. at $5.69. With an estimated intrinsic value of $6.62 and 3 of 5 models pointing higher, the median implied return is +16.4%. The most optimistic model, Sentiment SOTP, places fair value at $21.67 (+280.9%), while PWERM — the most conservative — estimates $0.28 (-95.2%). This +376.0% gap reflects genuine analytical uncertainty about Katapult Holdings, Inc.'s intrinsic worth.

What Do the Models Say About KPLT?

5 of 13 models are currently active for KPLT. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for KPLT is $6.62 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does KPLT Rank in Software - Infrastructure?

Among 189 Software - Infrastructure stocks, KPLT ranks #124 by Quality of Company score. CirclFi's QOC score of 5.4/10 evaluates 32 fundamental signals. A score of 5.4 reflects mixed fundamentals.

See all Most Undervalued Software - Infrastructure Stocks →

Within the Software - Infrastructure space, Katapult Holdings, Inc. competes in an environment where gross margin profile often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is KPLT a Value Trap?

CirclFi's Value Trap algorithm assigns KPLT a score of 28/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Katapult Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Katapult Holdings, Inc. is rated at 5.4/10. This moderate-tier score shows mixed signals across our quality framework with notable weaknesses.

The gap between the most bullish and bearish model spans +376.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every KPLT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across KPLT's 5 active models, average confidence is 26%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Katapult Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

XBPXBP Global Holdings, Inc.QOC 5.4ORIOOrion Digital Corp.QOC 5.4INTZIntrusion Inc.QOC 5.5CORZCore Scientific, Inc.QOC 5.4AISPAirship AI Holdings, Inc.QOC 5.5KDKKodiak AI, Inc.QOC 5.4ATMHAll Things Mobile Analytic Inc.QOC 3.5GENGen Digital Inc.QOC 8.4MQMarqeta, Inc.QOC 6.9FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: XBP · ORIO · INTZ · CORZ · AISP · KDK · ATMH · GEN · MQ · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to KPLT?

7 companies across all industries closest to KPLT’s Quality of Company score of 5.4/10.

EONREON Resources Inc.QOC 5.4ATRAAtara Biotherapeutics, Inc.QOC 5.4AIREreAlpha Tech Corp.QOC 5.4RTONRight On Brands, Inc.QOC 5.4UPXIUpexi, Inc.QOC 5.4KLXEKLX Energy Services Holdings, Inc.QOC 5.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EONR · ATRA · AIRE · RTON · UPXI · KLXE · NVDA

Where Does KPLT Sit in CirclFi's Software - Infrastructure Rankings?

KPLT is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About Katapult Holdings, Inc.’s Valuation?

What is Katapult Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Katapult Holdings, Inc. (KPLT)'s intrinsic value at $6.62 — the median of 5 independent model estimates as of 2026-08-28, ranging from $0.28 to $21.67. The Quality of Company score is 5.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is KPLT overvalued or undervalued right now?

At $5.69, 3 of 5 active models suggest KPLT may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $6.62, 16.4% above the current price of $5.69 — a consensus view that KPLT is undervalued. The assessment depends on which methodology best fits Katapult Holdings, Inc.'s business model in Software - Infrastructure.

What does a Quality of Company score of 5.4 mean for KPLT?

Katapult Holdings, Inc.'s QOC of 5.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on KPLT?

CirclFi analyzes KPLT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on KPLT?

Of the 5 models currently active on KPLT, Sentiment SOTP is the most bullish at $21.67 per share, and PWERM is the most bearish at $0.28. CirclFi's published fair value for KPLT is the median of that range, $6.62, not either extreme. The gap between the two ends equals 323% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is KPLT a value trap in 2026?

Katapult Holdings, Inc.'s Value Trap score is 28/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Katapult Holdings, Inc. (KPLT) has a median fair value of $6.62 — 16.4% above the current price of $5.69 — as of 2026-08-28.” Source: circlfi.com/stock/KPLT/ · Methodology
Primary sources for this KPLT valuation
  • Financial statements: Katapult Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001785424) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for KPLT as of ; valuations recomputed .

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