eGuarantee Inc (EGTIF) fair value: what the stock is really worth
As of Nov 10, 2026: fair value (intrinsic value) of eGuarantee Inc stock $9.72, price $10.67, that is 8.9% below the price, quality 85 out of 100. Rating: fairly valued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $7.99 – $11.27 · fair‑value band $4.97 – $13.02 · the $10.67 price screens above the $9.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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eGuarantee, Inc., together with its subsidiaries, engages in credit risk entrustment and securitization business in Japan.
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It offers services for business corporations that include undertaking the risk of uncollected commercial receivables arising between business companies, such as sales receivables.
The company also provides services for financial institutions, including service to accept the risks associated with financial claims that arise when guaranteeing trade receivables for companies, and advance payment for corporations.
It conducts sales activities through sales networks, such as trading companies, regional banks, financial institutions, leasing companies, insurance agency, and credit unions. The company was incorporated in 2000 and is headquartered in Tokyo, Japan.
Stock analysis
eGuarantee Inc (EGTIF) currently trades at $10.67, while our model-based Fair Value estimate is $9.72, so the stock looks roughly fairly valued today (gap 9.7%).
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Valuation
Bull case: the DCF Models group reads highest at a median of $9.64 per share, and 2 of the 13 models we run sit above the $10.67 price.
Bear case: the Economic Profit group reads lowest at $3.96, and 11 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: $4.97 (bear) to $13.02 (bull), the price of $10.67 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 85/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
eGuarantee Inc reported revenue of ¥11.0B in FY2026 versus ¥7.9B in FY2022, a compound +8.7%/yr. Reported net income was ¥3.6B in FY2026, compounding +9.9%/yr from FY2022.
Key figures
Market cap $496M Small · P/E ratio 20.5 · P/S ratio 6.68 · EPS (TTM) $0.5200 · Dividend yield 2.3% · Net margin 32.5% · Return on equity 16.2% · Return on assets (EBIT) 15.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 78 out of 100 (medium confidence).
What moves the price
The share trades about 9% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −2% fair-value upside, at −9%, EGTIF screens richer than that median.
Fair Value models
Bear$4.97Fair Value $9.72Bull$13.02
Price $10.67 · Downside -8.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.1669 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Start year 2021 (pandemic). Over 10 years: +9.6% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.6%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score85 · Top 25%
Fair Value upside−8.9% · Below median
Profitability
Return on equity (12 months)16.2% · Top 25%
Return on assets12.1% · Top 25%
Net margin (12 months)33.2% · Above median
Operating margin (12 months)47.6% · Above median
Growth and dividend
Revenue growth (quarter YoY)2.1% · Below median
Dividend yield (12 months)2.3% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "eGuarantee Inc Fair Value". https://www.fairvalue-calculator.com/stock/EGTIF
Frequently asked questions
Is eGuarantee Inc (EGTIF) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $9.72 versus a price of $10.67, about 9% lower (fairly valued).
What is the fair value of EGTIF?
Our model-based fair value for eGuarantee Inc is $9.72 (as of Nov 7, 2026), built from audited fundamentals. The current price: $10.67.
What is the quality score of EGTIF?
eGuarantee Inc has a Quality Score of 85/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for eGuarantee Inc (EGTIF)?
Our model-based price target is the fair value of $9.72 (as of Nov 7, 2026) from 13 valuation models. Cautious scenario $4.97, optimistic scenario $13.02. It is a calculation from audited fundamentals, not an analyst target.
What is the eGuarantee Inc stock forecast for 2026?
Our models put fair value at $9.72, about 9% lower versus a price of $10.67 (fairly valued). Cautious scenario $4.97, optimistic scenario $13.02. The calculation is refreshed regularly with new filings.
What is the revenue of eGuarantee Inc (EGTIF)?
eGuarantee Inc reported trailing-twelve-month revenue of about ¥11.1B (latest available figure, as of Nov 7, 2026).
Does eGuarantee Inc pay a dividend?
eGuarantee Inc currently shows a dividend yield of 2.35% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of eGuarantee Inc (EGTIF) and when is the ex-dividend date?
eGuarantee Inc pays a dividend of $0.25 per share a year, a dividend yield of 2.3%. The next ex-dividend date is Mar 30, 2027. A dividend has been paid every year since at least 2021. The payout ratio is 49.6% of earnings. Free cash flow covers the dividend 2.24 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What is the intrinsic value of eGuarantee Inc (EGTIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For eGuarantee Inc it is $9.72 per share (as of Nov 7, 2026), against a price of $10.67. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is eGuarantee Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, EGTIF trades above its calculated fair value: price $10.67, fair value $9.72, a gap of about −9% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EGTIF?
No. The price is what the market pays today ($10.67); the fair value is what the company's own numbers justify ($9.72). For eGuarantee Inc the two are $0.9464 per share apart. That gap is exactly why we show both numbers side by side.
How much is eGuarantee Inc worth?
The market values eGuarantee Inc at about $496M (market capitalisation, as of Nov 7, 2026). Per share that is $10.67; our models calculate a fair value of $9.72 per share.
What do the bullish and bearish scenarios say about EGTIF?
Our models span a range for eGuarantee Inc: cautious scenario $4.97, base $9.72, optimistic $13.02 per share (as of Nov 7, 2026, price $10.67). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EGTIF?
eGuarantee Inc trades at a price-to-earnings ratio of 20.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.72 is built from several models across several years. Other multiples: P/B 3.7, P/S 6.8, EV/EBITDA 12.4.
How solid is the balance sheet of eGuarantee Inc (EGTIF)?
Balance-sheet figures for eGuarantee Inc (as of Nov 7, 2026): return on equity 16.2%. They feed the Quality Score of 85/100, which measures business quality independently of the share price.
How far is EGTIF from its 52-week high?
eGuarantee Inc trades at $10.67, about 9% below its 52-week high of $11.78 and 9% above the low of $9.79 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $9.72 is for.
Which stocks are comparable to eGuarantee Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is eGuarantee Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $10.67, calculated fair value $9.72 (−9%), Quality Score 85/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EGTIF calculated?
We run eGuarantee Inc through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $9.72 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. eGuarantee Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of eGuarantee Inc (EGTIF)?
The closing price on Nov 10, 2026 was $10.67. Our model-based fair value is $9.72, about 9% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with eGuarantee Inc right now?
The model range is unusually wide ($4.97 to $13.02). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of eGuarantee Inc (EGTIF) come from?
Earnings per share at eGuarantee Inc grew +16.7 % a year from 2015 to 2026. Broken into its drivers: revenue per share +13.1 %, EBIT margin +1.9 %, tax rate +0.6 %, residual (interest, one-offs) +0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of eGuarantee Inc
How large is the market capitalisation of eGuarantee Inc (EGTIF)?
The market capitalisation of eGuarantee Inc is $496M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of eGuarantee Inc (EGTIF)?
The price-to-sales ratio of eGuarantee Inc is 6.68 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of eGuarantee Inc (EGTIF)?
Earnings per share at eGuarantee Inc are $0.5200 (price ÷ EPS = P/E 20.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of eGuarantee Inc (EGTIF)?
The dividend yield of eGuarantee Inc is 2.3% (payout 48.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of eGuarantee Inc (EGTIF)?
The net margin of eGuarantee Inc is 32.5% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of eGuarantee Inc (EGTIF)?
The return on equity (ROE) of eGuarantee Inc is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of eGuarantee Inc (EGTIF)?
On an EBIT basis the return on assets of eGuarantee Inc is 15.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of eGuarantee Inc (EGTIF)?
The operating margin of eGuarantee Inc is 47.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at eGuarantee Inc (EGTIF)?
Revenue at eGuarantee Inc is growing +2.1% versus a year earlier (3y avg +9.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at eGuarantee Inc (EGTIF)?
Earnings per share at eGuarantee Inc are growing +18.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does eGuarantee Inc (EGTIF) generate?
The free cash flow of eGuarantee Inc is ¥4.0B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does eGuarantee Inc (EGTIF) hold?
eGuarantee Inc holds more cash than debt, ¥12.8B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 7, 2026