Yuanbao Inc. (YB) Fair Value 2026

YB · Software - Application ·

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

Quality Score

9.0 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Yuanbao Inc. (YB) trades at $13.49, versus a $60.89 median fair value across its 3 active models — 351.4% above the current price. QOC: 9.0/10. Value Trap Risk: 0/100 (SAFE). 3/13 models active.

Key Facts

Ticker
YB
Price
$13.49
Quality Score
9.0/10
Value Trap Risk
0/100
Models Active
3/13
Last Updated
Strength: FTNN Topology suggests +386.0% upside with 13% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is Yuanbao Inc. (YB) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Yuanbao Inc. (YB) appears undervalued as of : the median of 3 independent fair value estimates is $60.89, 351.4% above the current price of $13.49. Estimates range from $47.08 to $65.56. YB scores 9.0/10 on fundamental quality and 0/100 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. YB’s +351.4% 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 Yuanbao Inc. Stock in 2026? →

What Fair Value Does Each Model Give YB?

3 Intrinsic Value Models vs. Current Price ($13.49)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $60.89 +351.4%
Intrinsic · Medium Conviction
 $47.08 +249.0%
Relative · Low Conviction
 $65.56 +386.0%

All Models Active

All 3 models are displayed above.

What Is YB's Fair Value Range?

Spread across 3 independent models · $47.08 to $65.56

CirclFi's 3 active models place Yuanbao Inc. (YB) between $47.08 and $65.56 per share, a spread of 30% of the median. The median of that range — $60.89 — is the fair value CirclFi publishes for YB, against a current price of $13.49.

Low · ML-RIVHigh · FTNN
$47.08median $60.89$65.56
Where the range comes from
Most bearish modelML Residual Income$47.08
Most bullish modelFTNN Topology$65.56
Model agreement3 bullish · 0 bearishtight

The methods largely agree on YB. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

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

What Is Yuanbao Inc. (YB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Yuanbao Inc. is potentially undervalued at its current price of $13.49. Based on our 13-model framework, Yuanbao Inc.'s intrinsic value is estimated at a median fair value of $60.89 — representing +351.4% implied upside — with 3 out of 3 active models confirming this thesis. Model dispersion is worth noting: FTNN targets $65.56 (+386.0%), versus ML-RIV at $47.08 (+249.0%). This +137.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About YB?

3 of 13 models are currently active for YB. All 3 active models suggest the stock trades below fair value. Taken together, their median fair value for YB is $60.89 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does YB Rank in Software - Application?

Among 263 Software - Application stocks, YB ranks #29 by Quality of Company score. CirclFi's QOC score of 9.0/10 evaluates 32 fundamental signals. A score of 9.0 places YB in the top tier.

See all Most Undervalued Software - Application Stocks →

Within the Software - Application space, Yuanbao 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 YB a Value Trap?

CirclFi's Value Trap algorithm assigns YB a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Yuanbao 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, Yuanbao Inc. is rated at 9.0/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +137.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every YB 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 YB's 3 active models, average confidence is 32%. 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 Yuanbao 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

FICOFair Isaac CorporationQOC 9.0DCBODocebo Inc.QOC 9.0DTDynatrace, Inc.QOC 9.0PAYXPaychex, Inc.QOC 9.0KAROKarooooo Ltd.QOC 9.0CVLTCommvault Systems, Inc.QOC 8.9MNDYmonday.com Ltd.QOC 7.4NAVNNavan, Inc.QOC 6.1BLIVBeLive HoldingsQOC 4.1ADSKAutodesk, Inc.QOC 9.9PTCPTC Inc.QOC 9.8

Read investment analysis: FICO · DCBO · DT · PAYX · KARO · CVLT · MNDY · NAVN · BLIV · ADSK · PTC

Which Other Stocks Have a Similar Quality Score to YB?

5 companies across all industries closest to YB’s Quality of Company score of 9.0/10.

CALMCal-Maine Foods, Inc.QOC 9.0MKLMarkel Group Inc.QOC 9.0XPELXPEL, Inc.QOC 9.0TPRTapestry, Inc.QOC 9.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CALM · MKL · XPEL · TPR · NVDA

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

YB 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 Yuanbao Inc.’s Valuation?

What is Yuanbao Inc.'s intrinsic value in 2026?

CirclFi puts Yuanbao Inc. (YB)'s intrinsic value at $60.89 — the median of 3 independent model estimates as of 2026-08-28, ranging from $47.08 to $65.56. The Quality of Company score is 9.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is YB overvalued or undervalued right now?

At $13.49, 3 of 3 active models suggest YB may be undervalued, while 0 indicate potential overvaluation. The median of all 3 fair value estimates is $60.89, 351.4% above the current price of $13.49 — a consensus view that YB is undervalued. The assessment depends on which methodology best fits Yuanbao Inc.'s business model in Software - Application.

What does a Quality of Company score of 9.0 mean for YB?

Yuanbao Inc.'s QOC of 9.0/10 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 YB?

CirclFi analyzes YB 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 3 of 13 are active for this stock. Read the full methodology →

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

Of the 3 models currently active on YB, FTNN Topology is the most bullish at $65.56 per share, and ML Residual Income is the most bearish at $47.08. CirclFi's published fair value for YB is the median of that range, $60.89, not either extreme. The gap between the two ends equals 30% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is YB a value trap in 2026?

Yuanbao Inc.'s Value Trap score is 0/100 (SAFE). 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 3-model valuation engine, Yuanbao Inc. (YB) has a median fair value of $60.89 — 351.4% above the current price of $13.49 — as of 2026-08-28.” Source: circlfi.com/stock/YB/ · Methodology
Primary sources for this YB valuation
  • Financial statements: Yuanbao Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001995520) — 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 YB as of ; valuations recomputed .