mF International Limited (MFI) Fair Value 2026

MFI · Software - Application ·

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

Quality Score

6.4 /10

32 fundamental signals · 5 models active

Value Trap Risk

DANGER (63/100)

Quick Summary — As of 2026-10-07, mF International Limited (MFI) trades at $9.30, versus a $2.20 median fair value across its 5 active models — 76.3% below the current price. QOC: 6.4/10. Value Trap Risk: 63/100 (DANGER). 5/13 models active. Within that set, the Bayesian DCF component alone returns $0.65.

Key Facts

Ticker
MFI
Price
$9.30
Quality Score
6.4/10
Value Trap Risk
63/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Value Trap score of 63 suggests caution despite apparent undervaluation

Is mF International Limited (MFI) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, mF International Limited (MFI) appears overvalued as of : the median of 5 independent fair value estimates is $2.20, 76.3% below the current price of $9.30. Estimates range from $0.65 to $5.03. MFI scores 6.4/10 on fundamental quality and 63/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. MFI’s -76.3% gap is wider than that market norm, and the Software - Application sector median is -20.8%. 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 mF International Limited Stock in 2026? →

What Fair Value Does Each Model Give MFI?

5 Intrinsic Value Models vs. Current Price ($9.30)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Low Conviction
 $0.65 -93.1%
Ensemble · Low Conviction
 $2.20 -76.3%
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What Is MFI's Fair Value Range?

Spread across 5 independent models · $0.65 to $5.03

CirclFi's 5 active models place mF International Limited (MFI) between $0.65 and $5.03 per share, a spread of 199% of the median. The median of that range — $2.20 — is the fair value CirclFi publishes for MFI, against a current price of $9.30.

Low · Bayesian DCFHigh · Regime Cross
$0.65median $2.20$5.03
Where the range comes from
Most bearish modelBayesian DCF$0.65
Most bullish modelRegime Cross-Sectional$5.03
Model agreement0 bullish · 5 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 MFI. 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 MFI, not a CirclFi price target. How each model works →

What Is mF International Limited (MFI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, mF International Limited's intrinsic value is estimated at $2.20. Trading at its current price of $9.30, the valuation engine raises significant caution: 5 of 5 models flag downside risk, projecting a median implied return of -76.3%. Notably, Regime Cross sees the most upside at -45.9% (fair value: $5.03), while Bayesian DCF is the most conservative at -93.1% ($0.65). The spread between these extremes — +47.2% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About MFI?

5 of 13 models are currently active for MFI. All 5 active models suggest the stock trades above fair value. Taken together, their median fair value for MFI is $2.20 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $0.65 on its own, implying -93.1% downside from the current price. See which stocks rank higher →

How Does MFI Rank in Software - Application?

Among 261 Software - Application stocks, MFI ranks #146 by Quality of Company score. CirclFi's QOC score of 6.4/10 evaluates 32 fundamental signals. A score of 6.4 indicates above-average quality.

See all Most Undervalued Software - Application Stocks →

The Software - Application sector introduces analytical considerations specific to software business businesses. For mF International Limited, metrics like annual recurring revenue (ARR) provide important context that general-purpose valuation models may underweight.

Is MFI a Value Trap?

CirclFi's Value Trap algorithm assigns MFI a score of 63/100 (DANGER). This is a high-risk signal. Deteriorating fundamentals suggest the discount may be justified. 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 mF International Limited. 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, mF International Limited earns a quality score of 6.4/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency. However, our Value Trap algorithm flags elevated risk — suggesting that apparent cheapness may mask deteriorating fundamentals.

The gap between the most bullish and bearish model spans +47.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every MFI 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 MFI's 5 active models, average confidence is 18%. 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 mF International Limited 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

HTCRHeartCore Enterprises, Inc.QOC 6.4CREXCreative Realities, Inc.QOC 6.3DMRCDigimarc CorporationQOC 6.4AIOTPowerFleet, Inc.QOC 6.3WLTHWealthfront CorporationQOC 6.5ALITAlight, Inc.QOC 6.3JTAIJet.AI Inc.QOC 4.7SHOPShopify Inc.QOC 9.3APIAgora, Inc.QOC 7.8ADSKAutodesk, Inc.QOC 9.9PTCPTC Inc.QOC 9.8

Read investment analysis: HTCR · CREX · DMRC · AIOT · WLTH · ALIT · JTAI · SHOP · API · ADSK · PTC

Which Other Stocks Have a Similar Quality Score to MFI?

7 companies across all industries closest to MFI’s Quality of Company score of 6.4/10.

PTGXProtagonist Therapeutics, Inc.QOC 6.4PEWGrabAGun Digital Holdings Inc.QOC 6.4PLPlanet Labs PBCQOC 6.4MPMP Materials Corp.QOC 6.4RAREUltragenyx Pharmaceutical Inc.QOC 6.4ULHUniversal Logistics Holdings, Inc.QOC 6.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PTGX · PEW · PL · MP · RARE · ULH · NVDA

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

MFI 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 mF International Limited’s Valuation?

What is mF International Limited's intrinsic value in 2026?

CirclFi puts mF International Limited (MFI)'s intrinsic value at $2.20 — the median of 5 independent model estimates as of 2026-10-07, ranging from $0.65 to $5.03. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $0.65 on its own. The Quality of Company score is 6.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is MFI overvalued or undervalued right now?

At $9.30, 0 of 5 active models suggest MFI may be undervalued, while 5 indicate potential overvaluation. The median of all 5 fair value estimates is $2.20, 76.3% below the current price of $9.30 — a consensus view that MFI is overvalued. The assessment depends on which methodology best fits mF International Limited's business model in Software - Application.

What does a Quality of Company score of 6.4 mean for MFI?

mF International Limited's QOC of 6.4/10 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 MFI?

CirclFi analyzes MFI 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 MFI?

Of the 5 models currently active on MFI, Regime Cross-Sectional is the most bullish at $5.03 per share, and Bayesian DCF is the most bearish at $0.65. CirclFi's published fair value for MFI is the median of that range, $2.20, not either extreme. The gap between the two ends equals 199% 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 MFI a value trap in 2026?

mF International Limited's Value Trap score is 63/100 (DANGER). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, mF International Limited (MFI) has a median fair value of $2.20 — 76.3% below the current price of $9.30 — as of 2026-10-07.” Source: circlfi.com/stock/MFI/ · Methodology
Primary sources for this MFI valuation
  • Financial statements: mF International Limited 10-K and 10-Q filings on SEC EDGAR (CIK 0001940941) — 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 MFI as of ; valuations recomputed .

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