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AmeriTrust Financial Technologies Inc (AMTFF) fair value: what the stock is really worth
We calculate from audited financials what AmeriTrust Financial Technologies Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Thin data
Sep 13, 2026
Thin data
Sep 13, 2026
AmeriTrust Financial Technologies Inc
AMTFF · USWeakest SetupStrongly overvalued and low quality.
!Fair value $0.0200 · Strongly overvalued (−88%)
!Quality 9/100
!Weak Growth (revenue 5y −11.6 %/yr)
!Moderate debt · negative free cash flow
!Narrow moat 6/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range $0.0031 – $1.12 · fair‑value band $0.0100 – $0.0300 · the $0.1600 price screens above the $0.0200 fair value. Dashed = 300-day average. As of Sep 13, 2026.
Company profile
AmeriTrust Financial Technologies Inc., together with its subsidiaries, provides auto finance and leasing solutions in Canada and the United States. The company develops, markets, and sells access to cloud-based transaction platforms to finance and lease new and used vehicles. It serves vehicle owners, dealers, and lenders.
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AmeriTrust Financial Technologies Inc., together with its subsidiaries, provides auto finance and leasing solutions in Canada and the United States. The company develops, markets, and sells access to cloud-based transaction platforms to finance and lease new and used vehicles. It serves vehicle owners, dealers, and lenders. The company is headquartered in Burlington, Canada.
Stock analysis
AmeriTrust Financial Technologies Inc (AMTFF) currently trades at $0.1600, while our model-based Fair Value estimate is $0.0200, implying the stock looks roughly 700.0% 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: $0.0100 (bear) to $0.0300 (bull), the price of $0.1600 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 9/100 (below-average quality), in the Technology sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
AmeriTrust Financial Technologies Inc reported revenue of C$1.6M in FY2025 versus C$23.9M in FY2021, a compound −48.9%/yr. Reported net income was −C$12.3M in FY2025.
Key figures
Market cap $154M · P/S ratio 89.1 · EPS (TTM) $−0.0100 · Return on equity −167% · Return on assets (EBIT) −81.0% · Operating margin −619% · Revenue (TTM) $1.7M · Revenue growth (YoY) +19.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high.
For context, the median of 10 Technology peers we cover trades at −12% fair-value upside, at −88%, AMTFF screens richer than that median.
Fair Value models
Bear $0.0100
Fair Value $0.0200
Bull $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.
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.
Highest evidence
NCAV (Graham)
$0.0100
$0.0100
$0.0100
55
All 1 models by family
Asset-Based
NCAV (Graham)
$0.0100
$0.0100
$0.0100
55
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Set up alert →Quality Score breakdown
Overall quality
9/100
Of which business quality 17 · Market factors (momentum, volatility) 68
Profitability
1
Margins and returns on capital today
Quality Growth
0
Are margins and returns improving?
Cashflow
1
Earnings quality: real cash, not paper profit
Fin. Strength
64
Balance sheet, leverage, solvency risk
Investment
33
Disciplined investing over empire-building
Low Volatility
0
Calm price path (market factor)
Momentum
95
Price trend over the last 3–12 months (market factor)
52W Momentum
100
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
Revenue & earnings trend
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 is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−24.2%
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.
−48.9%
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.
−11.6%
Revenue growth 10 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.
+28.9%
’15
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’19
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’21
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’25
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.
−431.3% (2020) → −819.8% (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
not computed
AMTFF screens 700% overvalued. Compare with SAP SE →
Compare AmeriTrust Financial Technologies Inc with another stock
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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.Software - Application · 696 stocks
Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation Multiplesvs Software - Application median · lower = cheaper
Context: sector, industry, market
- Is the Real Estate sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Real Estate
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAP | €177.26 | €156.00 | −12% |
| Shopify Inc SHOP | C$178.41 | C$112.02 | −37% |
| Uber Technologies, Inc UBER | $71.67 | $102.51 | +43% |
| Salesforce, Inc CRM | $247.72 | $344.41 | +39% |
| ServiceNow, Inc NOW | $132.53 | $145.78 | +10% |
| Cadence Design Systems, Inc CDNS | $289.37 | $224.24 | −23% |
| Snowflake Inc SNOW | $328.99 | $74.65 | −77% |
| Datadog, Inc DDOG | $221.21 | $32.92 | −85% |
| Adobe Inc ADBE | $252.23 | $471.62 | +87% |
| Automatic Data Processing, Inc ADP | $268.26 | $177.51 | −34% |
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Frequently asked questions
Is AmeriTrust Financial Technologies Inc (AMTFF) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of $0.0200 versus a price of $0.1600, about −88% upside (overvalued).
What is the fair value of AMTFF?
Our model-based fair value for AmeriTrust Financial Technologies Inc is $0.0200 (as of Sep 13, 2026), built from audited fundamentals. The current price: $0.1600.
What is the quality score of AMTFF?
AmeriTrust Financial Technologies Inc has a Quality Score of 9/100. 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 AmeriTrust Financial Technologies Inc (AMTFF)?
Our model-based price target is the fair value of $0.0200 (as of Sep 13, 2026) from 1 valuation models. Cautious scenario $0.0100, optimistic scenario $0.0300. It is a calculation from audited fundamentals, not an analyst target.
What is the AmeriTrust Financial Technologies Inc stock forecast for 2026?
Our models put fair value at $0.0200, about −88% upside versus a price of $0.1600 (overvalued). Cautious scenario $0.0100, optimistic scenario $0.0300. The calculation is refreshed regularly with new filings.
What is the revenue of AmeriTrust Financial Technologies Inc (AMTFF)?
AmeriTrust Financial Technologies Inc reported trailing-twelve-month revenue of about $1.7M (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of AmeriTrust Financial Technologies Inc (AMTFF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AmeriTrust Financial Technologies Inc it is $0.0200 per share (as of Sep 13, 2026), against a price of $0.1600. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is AmeriTrust Financial Technologies Inc stock overvalued or undervalued in 2026?
As of Sep 13, 2026, AMTFF trades above its calculated fair value: price $0.1600, fair value $0.0200, 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 AMTFF?
No. The price is what the market pays today ($0.1600); the fair value is what the company's own numbers justify ($0.0200). For AmeriTrust Financial Technologies Inc the two are $0.1400 per share apart. That gap is exactly why we show both numbers side by side.
How much is AmeriTrust Financial Technologies Inc worth?
The market values AmeriTrust Financial Technologies Inc at about $154M (market capitalisation, as of Sep 13, 2026). Per share that is $0.1600; our models calculate a fair value of $0.0200 per share.
What do the bullish and bearish scenarios say about AMTFF?
Our models span a range for AmeriTrust Financial Technologies Inc: cautious scenario $0.0100, base $0.0200, optimistic $0.0300 per share (as of Sep 13, 2026, price $0.1600). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of AmeriTrust Financial Technologies Inc (AMTFF)?
Balance-sheet figures for AmeriTrust Financial Technologies Inc (as of Sep 13, 2026): return on equity −166.7%, debt of 1.15 per unit of equity. They feed the Quality Score of 9/100, which measures business quality independently of the share price.
How far is AMTFF from its 52-week high?
AmeriTrust Financial Technologies Inc trades at $0.1600, about 3% below its 52-week high of $0.1560 and 515% above the low of $0.0260 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0200 is for.
Which stocks are comparable to AmeriTrust Financial Technologies Inc?
From the same area (Technology) we also value SAP SE, Shopify Inc, Uber Technologies, Inc, Salesforce, Inc, 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 AmeriTrust Financial Technologies Inc stock attractive at the current price?
The data as of Sep 13, 2026: price $0.1600, calculated fair value $0.0200 (−88%), Quality Score 9/100, 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 AMTFF calculated?
We run AmeriTrust Financial Technologies Inc 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 $0.0200, 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 15.8 % above its aggregate fair value. AmeriTrust Financial Technologies 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 should I pay attention to with AmeriTrust Financial Technologies Inc right now?
The price sits above even our optimistic bull case ($0.0300). The favourable scenario is already priced in. Weak quality (9/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($0.0100 to $0.0300). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of AmeriTrust Financial Technologies Inc
How large is the market capitalisation of AmeriTrust Financial Technologies Inc (AMTFF)?
The market capitalisation of AmeriTrust Financial Technologies Inc is $154M. 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 AmeriTrust Financial Technologies Inc (AMTFF)?
The price-to-sales ratio of AmeriTrust Financial Technologies Inc is 89.1 (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 AmeriTrust Financial Technologies Inc (AMTFF)?
Earnings per share at AmeriTrust Financial Technologies Inc are $−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of AmeriTrust Financial Technologies Inc (AMTFF)?
The return on equity (ROE) of AmeriTrust Financial Technologies Inc is −167% (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 AmeriTrust Financial Technologies Inc (AMTFF)?
On an EBIT basis the return on assets of AmeriTrust Financial Technologies Inc is −81.0% (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 AmeriTrust Financial Technologies Inc (AMTFF)?
The operating margin of AmeriTrust Financial Technologies Inc is −619% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AmeriTrust Financial Technologies Inc (AMTFF)?
Revenue at AmeriTrust Financial Technologies Inc is growing +19.1% versus a year earlier (3y avg −48.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does AmeriTrust Financial Technologies Inc (AMTFF) generate?
The free cash flow of AmeriTrust Financial Technologies Inc is −$6.8M (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 AmeriTrust Financial Technologies Inc (AMTFF) hold?
AmeriTrust Financial Technologies Inc holds more cash than debt, $19.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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