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Argo Group International Holdings Ltd (ARGHF) fair value: what the stock is really worth

We calculate from audited financials what Argo Group International Holdings Ltd 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.

Valuation from Jun 23, 2026. With the latest figures (losses, negative cash flow), a fair value can no longer be calculated.
  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Technology · US · ISIN US0401284072

AG Argo Group International Holdings Ltd logo Thin data Jun 23, 2026

Argo Group International Holdings Ltd

ARGHF · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.0255 · Strongly overvalued (−87%)
!Quality 18/100
!Weak Growth (revenue 3y −65.7 %/yr)
!Negative equity (buybacks among others) · negative free cash flow
!Trails peers (1/6)
!Narrow moat 3/100
!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

$11.86 $0.0240 Fair Value $0.0255 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jun 23, 2026.

How to read this chart

60‑month range $0.0240 – $11.86 · fair‑value band $0.0170 – $0.0340 · the $0.1980 price screens above the $0.0255 fair value. Dashed = 300-day average. As of Jun 23, 2026.

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Company profile

Argo Corporation provides technology-enabled transit solutions in Canada. The company offers Argo Transit, a platform that offers municipalities a full service, electrified, and scalable transit solution, which Argo Transit has been deployed can use the Argo app to request trips at or near door for a standard transit fare.

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Argo Corporation provides technology-enabled transit solutions in Canada. The company offers Argo Transit, a platform that offers municipalities a full service, electrified, and scalable transit solution, which Argo Transit has been deployed can use the Argo app to request trips at or near door for a standard transit fare. It also provides Argo School, a platform to serve the student transportation market. The company was formerly known as Steer Technologies Inc. and changed its name to Argo Corporation in July 2024. Argo Corporation was founded in 2016 is headquartered in Toronto, Canada.

Stock analysis

Argo Group International Holdings Ltd (ARGHF) currently trades at $0.1980, while our model-based Fair Value estimate is $0.0255, implying the stock looks roughly 676.4% overvalued today.

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Valuation

How firm this estimate is: it rests on 3 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: $0.0170 (bear) to $0.0340 (bull), the price of $0.1980 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 18/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Argo Group International Holdings Ltd reported revenue of C$2.2M in FY2025 versus C$25.4M in FY2021, a compound −45.7%/yr. Reported net income was −C$15.2M in FY2025.

Key figures

Market cap $55.8M · P/S ratio 12.0 · EPS (TTM) $−0.0600 · Net margin −246% · Return on equity −319% · Return on assets (EBIT) −64.0% · Operating margin −42.0% · Revenue (TTM) $4.6M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (low confidence).

What moves the price

The share trades about 44% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at −87%, ARGHF screens richer than that median.

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Quality Score breakdown

Overall quality 18/100

Of which business quality 23 · Market factors (momentum, volatility) 19

Profitability 0
Margins and returns on capital today
Quality Growth 38
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 17
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 25
Calm price path (market factor)
Momentum 21
Price trend over the last 3–12 months (market factor)
52W Momentum 8
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

Open the full quality analysis →

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 growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+41.2%
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.
−65.7%
Revenue growth 9 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.
−51.8%
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.
−432.1% (2020) → −717.4% (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

ARGHF screens 676% overvalued. Compare with SAP SE →

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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 · 721 stocks

Beats the industry median on 1/6 measures
Overall it trails its industry peers.
Valuation
Quality Score 20 · Bottom 25%
Fair Value upside −87% · Bottom 25%
Profitability
Return on equity (TTM) Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets −34% · Bottom 25%
Operating margin (TTM) −42% · Bottom 25%
Growth and dividend
Revenue growth 474% · Top 25%
Balance sheet
Debt / equity Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM) 12.05× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 25
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)0 · sector 16
HEALTH (low debt)0 · sector 97
DIVIDEND (yield)0 · sector 30

VALUE 0: the price sits above our fair-value range.

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

Context: sector, industry, 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 €184.18 €172.46 −6%
Salesforce, Inc CRM $238.22 $342.73 +44%
Shopify Inc SHOP $145.16 $64.36 −56%
ServiceNow, Inc NOW $137.78 $151.56 +10%
Uber Technologies, Inc UBER $69.22 $103.69 +50%
Cadence Design Systems, Inc CDNS $309.09 $225.14 −27%
Snowflake Inc SNOW $334.81 $75.08 −78%
Datadog, Inc DDOG $251.49 $32.92 −87%
Adobe Inc ADBE $238.25 $454.04 +91%
Automatic Data Processing, Inc ADP $263.68 $177.51 −33%

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Argo Group International Holdings Ltd · Fair Value
$0.0255 −676%Fair Value
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Cite: Fair Value Calculator (2026). "Argo Group International Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/ARGHF

Frequently asked questions

Is Argo Group International Holdings Ltd (ARGHF) overvalued or undervalued?
As of Jun 23, 2026, our model estimates a fair value of $0.0255 versus a price of $0.1980, about −87% upside (overvalued).
What is the fair value of ARGHF?
Our model-based fair value for Argo Group International Holdings Ltd is $0.0255 (as of Jun 23, 2026), built from audited fundamentals. The current price: $0.1980.
What is the quality score of ARGHF?
Argo Group International Holdings Ltd has a Quality Score of 18/100. 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 Argo Group International Holdings Ltd (ARGHF)?
Our model-based price target is the fair value of $0.0255 (as of Jun 23, 2026) from 3 valuation models. Cautious scenario $0.0170, optimistic scenario $0.0340. It is a calculation from audited fundamentals, not an analyst target.
What is the Argo Group International Holdings Ltd stock forecast for 2026?
Our models put fair value at $0.0255, about −87% upside versus a price of $0.1980 (overvalued). Cautious scenario $0.0170, optimistic scenario $0.0340. The calculation is refreshed regularly with new filings.
What is the revenue of Argo Group International Holdings Ltd (ARGHF)?
Argo Group International Holdings Ltd reported trailing-twelve-month revenue of about $4.6M (latest available figure, as of Jun 23, 2026).
What is the intrinsic value of Argo Group International Holdings Ltd (ARGHF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Argo Group International Holdings Ltd it is $0.0255 per share (as of Jun 23, 2026), against a price of $0.1980. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Argo Group International Holdings Ltd stock overvalued or undervalued in 2026?
As of Jun 23, 2026, ARGHF trades above its calculated fair value: price $0.1980, fair value $0.0255, a gap of about −87% (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 ARGHF?
No. The price is what the market pays today ($0.1980); the fair value is what the company's own numbers justify ($0.0255). For Argo Group International Holdings Ltd the two are $0.1725 per share apart. That gap is exactly why we show both numbers side by side.
How much is Argo Group International Holdings Ltd worth?
The market values Argo Group International Holdings Ltd at about $55.8M (market capitalisation, as of Jun 23, 2026). Per share that is $0.1980; our models calculate a fair value of $0.0255 per share.
What do the bullish and bearish scenarios say about ARGHF?
Our models span a range for Argo Group International Holdings Ltd: cautious scenario $0.0170, base $0.0255, optimistic $0.0340 per share (as of Jun 23, 2026, price $0.1980). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Argo Group International Holdings Ltd (ARGHF)?
Balance-sheet figures for Argo Group International Holdings Ltd (as of Jun 23, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 18/100, which measures business quality independently of the share price.
How far is ARGHF from its 52-week high?
Argo Group International Holdings Ltd trades at $0.1980, about 44% below its 52-week high of $0.3560 and 19% above the low of $0.1670 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0255 is for.
Which stocks are comparable to Argo Group International Holdings Ltd?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 Argo Group International Holdings Ltd stock attractive at the current price?
The data as of Jun 23, 2026: price $0.1980, calculated fair value $0.0255 (−87%), Quality Score 18/100, from 3 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 ARGHF calculated?
We run Argo Group International Holdings Ltd through 3 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 $0.0255, 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. Argo Group International Holdings 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 Argo Group International Holdings Ltd (ARGHF)?
The closing price on Sep 24, 2026 was $0.1980. Our model-based fair value is $0.0255, about −87% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Argo Group International Holdings Ltd right now?
The price sits above even our optimistic bull case ($0.0340). The favourable scenario is already priced in. Weak quality (18/100) 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. A fairly wide model range ($0.0170 to $0.0340) leaves room in how you read the outcome.

Key figures of Argo Group International Holdings Ltd

How large is the market capitalisation of Argo Group International Holdings Ltd (ARGHF)?
The market capitalisation of Argo Group International Holdings Ltd is $55.8M. 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 Argo Group International Holdings Ltd (ARGHF)?
The price-to-sales ratio of Argo Group International Holdings Ltd is 12.0 (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 Argo Group International Holdings Ltd (ARGHF)?
Earnings per share at Argo Group International Holdings Ltd are $−0.0600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Argo Group International Holdings Ltd (ARGHF)?
The net margin of Argo Group International Holdings Ltd is −246% (last twelve months). 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 Argo Group International Holdings Ltd (ARGHF)?
The return on equity (ROE) of Argo Group International Holdings Ltd is −319% (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 Argo Group International Holdings Ltd (ARGHF)?
On an EBIT basis the return on assets of Argo Group International Holdings Ltd is −64.0% (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 Argo Group International Holdings Ltd (ARGHF)?
The operating margin of Argo Group International Holdings Ltd is −42.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Argo Group International Holdings Ltd (ARGHF)?
Revenue at Argo Group International Holdings Ltd is growing +474% versus a year earlier (3y avg −65.7%). 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 Argo Group International Holdings Ltd (ARGHF) generate?
The free cash flow of Argo Group International Holdings Ltd is −$2.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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