Armada Mercantile Ltd (AAMTF) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Armada Mercantile Ltd $0.03, price $0.24, upside -87.5%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.1018 – $0.4499 · fair‑value band $0.0200 – $0.0300 · the $0.2400 price screens above the $0.0300 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Armada Mercantile Ltd., a financial services company, provides merchant banking services worldwide.
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Armada Mercantile Ltd., a financial services company, provides merchant banking services worldwide. The company offers advisory services; Form 10, Form S-1, Form 15C211, and DTC Eligibility filings; broker-dealer products and services; and commercial finance services, including account receivable factoring, supply chain, and revenue lines of credit, as well as other types of specialized finance. It also provides factoring, equipment leasing, private placements, corporate debt securities, corporate finance, mezzanine financing, direct public offerings, and mergers and acquisitions. In addition, the company is involved in the import and distribution of ice cream under the London Dairy brand name. It serves natural resources, travel, aviation, technology, food, banking, finance, energy, off road electric vehicles, and telecom industries. Armada Mercantile Ltd. was incorporated in 1987 and is headquartered in Roseville, California.
Stock analysis
Armada Mercantile Ltd (AAMTF) currently trades at $0.2400, while our model-based Fair Value estimate is $0.0300, 87.5% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.0200 (bear) to $0.0300 (bull), the price of $0.2400 sits above 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 42/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
Armada Mercantile Ltd reported revenue of C$159K in FY2025 versus C$8.8K in FY2021, a compound +106.2%/yr. Reported net income was −C$5.0M in FY2025.
Key figures
Market cap $5.0M · P/S ratio 50.5 · EPS (TTM) $−0.1700 · Return on equity −131% · Return on assets (EBIT) 1.7% · Operating margin −48.6% · Revenue (TTM) C$104K · Revenue growth (YoY) −66.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 8% below its 52-week high and 136% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at −88%, AAMTF screens richer than that median.
Fair Value models
Bear $0.0200Fair Value $0.0300Bull $0.0300
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.0/100
Revenue growth is weak, negative or inconsistent.
Revenue growth 1 year
−22.8%
Revenue growth 18 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.
+5.6%
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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.
−1,194.3% (2020) → −8.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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.Capital Markets · 464 stocks
Beats the industry median on 0/7 measures
Overall it trails its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside−87.5% · Bottom 25%
Profitability
Return on assets−121.8% · Bottom 25%
Operating margin (TTM)−48.6% · Bottom 25%
Growth and dividend
Revenue growth−66.0% · Bottom 25%
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/B3.08× · Priciest 25%
P/S (TTM)47.83× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 34
FUTURE (revenue growth)0· sector 98
PAST (return on equity)0· sector 30
HEALTH (low debt)100· sector 94
DIVIDEND (yield)0· sector 43
VALUE 0: the price sits above our fair-value range.
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Is Armada Mercantile Ltd (AAMTF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0300 versus a price of $0.2400, about −88% upside (overvalued).
What is the fair value of AAMTF?
Our model-based fair value for Armada Mercantile Ltd is $0.0300 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.2400.
What is the quality score of AAMTF?
Armada Mercantile Ltd has a Quality Score of 42/100. 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 Armada Mercantile Ltd (AAMTF)?
Our model-based price target is the fair value of $0.0300 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $0.0200, optimistic scenario $0.0300. It is a calculation from audited fundamentals, not an analyst target.
What is the Armada Mercantile Ltd stock forecast for 2026?
Our models put fair value at $0.0300, about −88% upside versus a price of $0.2400 (overvalued). Cautious scenario $0.0200, optimistic scenario $0.0300. The calculation is refreshed regularly with new filings.
What is the revenue of Armada Mercantile Ltd (AAMTF)?
Armada Mercantile Ltd reported trailing-twelve-month revenue of about C$104K (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Armada Mercantile Ltd (AAMTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Armada Mercantile Ltd it is $0.0300 per share (as of Sep 24, 2026), against a price of $0.2400. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Armada Mercantile Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, AAMTF trades above its calculated fair value: price $0.2400, fair value $0.0300, a gap of about −88% (overvalued). 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 AAMTF?
No. The price is what the market pays today ($0.2400); the fair value is what the company's own numbers justify ($0.0300). For Armada Mercantile Ltd the two are $0.2100 per share apart. That gap is exactly why we show both numbers side by side.
How much is Armada Mercantile Ltd worth?
The market values Armada Mercantile Ltd at about $5.0M (market capitalisation, as of Sep 24, 2026). Per share that is $0.2400; our models calculate a fair value of $0.0300 per share.
What do the bullish and bearish scenarios say about AAMTF?
Our models span a range for Armada Mercantile Ltd: cautious scenario $0.0200, base $0.0300, optimistic $0.0300 per share (as of Sep 24, 2026, price $0.2400). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Armada Mercantile Ltd (AAMTF)?
Balance-sheet figures for Armada Mercantile Ltd (as of Sep 24, 2026): return on equity −130.7%. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is AAMTF from its 52-week high?
Armada Mercantile Ltd trades at $0.2400, about 8% below its 52-week high of $0.2600 and 136% above the low of $0.1018 (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0300 is for.
Which stocks are comparable to Armada Mercantile Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Armada Mercantile Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price $0.2400, calculated fair value $0.0300 (−88%), Quality Score 42/100, from 1 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 AAMTF calculated?
We run Armada Mercantile Ltd through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0300, 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 14.9 % above its aggregate fair value. Armada Mercantile Ltd 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 Armada Mercantile Ltd (AAMTF)?
The closing price on Sep 28, 2026 was $0.2400. Our model-based fair value is $0.0300, about −88% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Armada Mercantile Ltd right now?
The price sits above even our optimistic bull case ($0.0300). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Armada Mercantile Ltd
How large is the market capitalisation of Armada Mercantile Ltd (AAMTF)?
The market capitalisation of Armada Mercantile Ltd is $5.0M. 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 Armada Mercantile Ltd (AAMTF)?
The price-to-sales ratio of Armada Mercantile Ltd is 50.5 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Armada Mercantile Ltd (AAMTF)?
Earnings per share at Armada Mercantile Ltd are $−0.1700. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Armada Mercantile Ltd (AAMTF)?
The return on equity (ROE) of Armada Mercantile Ltd is −131% (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 Armada Mercantile Ltd (AAMTF)?
On an EBIT basis the return on assets of Armada Mercantile Ltd is 1.7% (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 Armada Mercantile Ltd (AAMTF)?
The operating margin of Armada Mercantile Ltd is −48.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Armada Mercantile Ltd (AAMTF)?
Revenue at Armada Mercantile Ltd is growing −66.0% versus a year earlier (3y avg +288%). 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 Armada Mercantile Ltd (AAMTF)?
Earnings per share at Armada Mercantile Ltd are growing −83.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Armada Mercantile Ltd (AAMTF) generate?
The free cash flow of Armada Mercantile Ltd is −C$53.7K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Armada Mercantile Ltd (AAMTF) hold?
Armada Mercantile Ltd holds more cash than debt, C$420K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 24, 2026