WM Technology, Inc. (MAPS) Fair Value 2026

MAPS · Software - Application ·

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

Quality Score

7.7 /10

32 fundamental signals · 10 models active

Value Trap Risk

LOW (25/100)

Quick Summary — As of 2026-08-28, WM Technology, Inc. (MAPS) trades at $0.39, versus a $0.95 median fair value across its 10 active models — 142.8% above the current price. QOC: 7.7/10. Value Trap Risk: 25/100 (LOW). 10/13 models active. Within that set, the Bayesian DCF component alone returns $0.70.

Key Facts

Ticker
MAPS
Price
$0.39
Quality Score
7.7/10
Value Trap Risk
25/100
Models Active
10/13
Last Updated
Strength: First Chicago suggests +486.6% upside with 58% confidence
Risk: Limited model coverage (10/13) may reduce confidence

Is WM Technology, Inc. (MAPS) Undervalued or Overvalued in 2026?

According to CirclFi’s 10-model valuation engine, WM Technology, Inc. (MAPS) appears undervalued as of : the median of 10 independent fair value estimates is $0.95, 142.8% above the current price of $0.39. Estimates range from $0.07 to $2.29. MAPS scores 7.7/10 on fundamental quality and 25/100 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. MAPS’s +142.8% gap is wider than that market norm, and the Software - Application sector median is -25.7%. 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 WM Technology, Inc. Stock in 2026? →

What Fair Value Does Each Model Give MAPS?

10 Intrinsic Value Models vs. Current Price ($0.39)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $0.70 +78.9%
Ensemble · Low Conviction
 $1.02 +160.5%
Scenario · High Conviction
 $2.29 +486.6%
Intrinsic · High Conviction
 $0.07 -82.7%
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What Is MAPS's Fair Value Range?

Spread across 10 independent models · $0.07 to $2.29

CirclFi's 10 active models place WM Technology, Inc. (MAPS) between $0.07 and $2.29 per share, a spread of 234% of the median. The median of that range — $0.95 — is the fair value CirclFi publishes for MAPS, against a current price of $0.39.

Low · Markov DDMHigh · First Chicago
$0.07median $0.95$2.29
Where the range comes from
Most bearish modelMarkov DDM$0.07
Most bullish modelFirst Chicago$2.29
Model agreement9 bullish · 1 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 MAPS. 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 MAPS, not a CirclFi price target. How each model works →

What Is WM Technology, Inc. (MAPS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, WM Technology, Inc. is potentially undervalued at its current price of $0.39. Based on our 13-model framework, WM Technology, Inc.'s intrinsic value is estimated at a median fair value of $0.95 — representing +142.8% implied upside — with 9 out of 10 active models confirming this thesis. Model dispersion is worth noting: First Chicago targets $2.29 (+486.6%), versus Markov DDM at $0.07 (-82.7%). This +569.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About MAPS?

10 of 13 models are currently active for MAPS. Of these, 9 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for MAPS is $0.95 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $0.70 on its own, implying +78.9% upside from the current price. See which stocks rank higher →

How Does MAPS Rank in Software - Application?

Among 263 Software - Application stocks, MAPS ranks #84 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Software - Application Stocks →

As a digital enterprise, WM Technology, Inc. operates in a sector where gross margin profile is a critical driver of valuation. Investors evaluating MAPS should weigh these sector-specific dynamics alongside our model-derived fair values.

Is MAPS a Value Trap?

CirclFi's Value Trap algorithm assigns MAPS a score of 25/100 (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

10 of 13 models are active for WM Technology, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, WM Technology, Inc.'s fundamental quality profile registers 7.7/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +569.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every MAPS 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 MAPS's 10 active models, average confidence is 45%. 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 WM Technology, Inc. Stock in 2026? →

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

Which Similar Software - Application Stocks Should You Also Analyze?

11 related Software - Application stocks with 13-model coverage

RBBNRibbon Communications Inc.QOC 7.7DBDDiebold Nixdorf, IncorporatedQOC 7.7APIAgora, Inc.QOC 7.8VTSIVirTra, Inc.QOC 7.6PDFSPDF Solutions, Inc.QOC 7.8CCCCCC Intelligent Solutions Holdings Inc.QOC 7.6MSTRStrategy IncQOC 6.3HSTAHestia Insight Inc.QOC 4.5YMMFull Truck Alliance Co. Ltd.QOC 9.2ADSKAutodesk, Inc.QOC 9.9PTCPTC Inc.QOC 9.8

Read investment analysis: RBBN · DBD · API · VTSI · PDFS · CCC · MSTR · HSTA · YMM · ADSK · PTC

Which Other Stocks Have a Similar Quality Score to MAPS?

7 companies across all industries closest to MAPS’s Quality of Company score of 7.7/10.

TNETTriNet Group, Inc.QOC 7.7LELands' End, Inc.QOC 7.7PKOHPark-Ohio Holdings Corp.QOC 7.7JHXJames Hardie Industries plcQOC 7.7TPGTPG Inc.QOC 7.7BNLBroadstone Net Lease, Inc.QOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: TNET · LE · PKOH · JHX · TPG · BNL · NVDA

Where Does MAPS Sit in CirclFi's Software - Application Rankings?

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

See all Software - Application stocks ranked →

What Else Do Investors Ask About WM Technology, Inc.’s Valuation?

What is WM Technology, Inc.'s intrinsic value in 2026?

CirclFi puts WM Technology, Inc. (MAPS)'s intrinsic value at $0.95 — the median of 10 independent model estimates as of 2026-08-28, ranging from $0.07 to $2.29. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $0.70 on its own. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is MAPS overvalued or undervalued right now?

At $0.39, 9 of 10 active models suggest MAPS may be undervalued, while 1 indicate potential overvaluation. The median of all 10 fair value estimates is $0.95, 142.8% above the current price of $0.39 — a consensus view that MAPS is undervalued. The assessment depends on which methodology best fits WM Technology, Inc.'s business model in Software - Application.

What does a Quality of Company score of 7.7 mean for MAPS?

WM Technology, Inc.'s QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on MAPS?

CirclFi analyzes MAPS 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 10 of 13 are active for this stock. Read the full methodology →

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

Of the 10 models currently active on MAPS, First Chicago is the most bullish at $2.29 per share, and Markov DDM is the most bearish at $0.07. CirclFi's published fair value for MAPS is the median of that range, $0.95, not either extreme. The gap between the two ends equals 234% 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 MAPS a value trap in 2026?

WM Technology, Inc.'s Value Trap score is 25/100 (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 10-model valuation engine, WM Technology, Inc. (MAPS) has a median fair value of $0.95 — 142.8% above the current price of $0.39 — as of 2026-08-28.” Source: circlfi.com/stock/MAPS/ · Methodology
Primary sources for this MAPS valuation
  • Financial statements: WM Technology, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001779474) — 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 MAPS as of ; valuations recomputed .

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