Arandu Investimentos S.A (ARND3) fair value: what the stock is really worth
As of Oct 13, 2026: fair value of Arandu Investimentos S.A BRL 1.12, price BRL 0.66, upside +70.0%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Arandu Investimentos S.A. operates a digital platform that connects professionals, freelancers, and companies with potential clients for the provision of services in Brazil. It also operates real estate and equity investment funds. The company was formerly known as REAG Investimentos S.A. and changed its name to Arandu Investimentos S.A. in November 2025.
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Arandu Investimentos S.A. operates a digital platform that connects professionals, freelancers, and companies with potential clients for the provision of services in Brazil. It also operates real estate and equity investment funds. The company was formerly known as REAG Investimentos S.A. and changed its name to Arandu Investimentos S.A. in November 2025. Arandu Investimentos S.A. is based in São Paulo, Brazil.
Stock analysis
Arandu Investimentos S.A (ARND3) currently trades at R$0.6600, while our model-based Fair Value estimate is R$1.12, implying the stock looks roughly 41.2% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of R$2.65 per share, and 2 of the 3 models we run sit above the R$0.6600 price.
Bear case: the Asset-Based group reads lowest at R$0.5500, and 1 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: R$0.6630 (bear) to R$1.73 (bull), the price of R$0.6600 sits below 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 50/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Arandu Investimentos S.A reported revenue of R$70.9M in FY2025 versus R$62.4M in FY2021, a compound +3.2%/yr. Reported net income was −R$460M in FY2025.
Key figures
Market cap R$82.9M (≈ $16.6M) · P/E ratio 1.5 · P/S ratio 2.31 · EPS (TTM) R$0.4400 · Net margin −0.1% · Return on equity −12.2% · Return on assets (EBIT) −14.4% · Operating margin −22.1%.
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at 70%, ARND3 screens cheaper than that median.
Fair Value models
Bear R$0.6630Fair Value R$1.12Bull R$1.73
Price R$0.6600 · Upside +70.0%
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$0.3460 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.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.61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+18.1%
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.
+7.5%
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.
+11.2%
Start year 2020 (pandemic)
Revenue growth 8 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.
+31.6%
’17
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’23
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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.
−1.5% (2020) → −70.1% (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
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
Compare Arandu Investimentos S.A with another stock
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.Asset Management · 664 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on assets82.5% · Top 25%
Net margin (TTM)−0.1% · Bottom 25%
Operating margin (TTM)−22.1% · Bottom 25%
Growth and dividend
Revenue growth−89.6% · Bottom 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Is Arandu Investimentos S.A (ARND3) overvalued or undervalued?
As of Oct 14, 2026, our model estimates a fair value of R$1.12 versus a price of R$0.6600, about +70% upside (undervalued).
What is the fair value of ARND3?
Our model-based fair value for Arandu Investimentos S.A is R$1.12 (as of Oct 14, 2026), built from audited fundamentals. The current price: R$0.6600.
What is the quality score of ARND3?
Arandu Investimentos S.A has a Quality Score of 50/100. 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 Arandu Investimentos S.A (ARND3)?
Our model-based price target is the fair value of R$1.12 (as of Oct 14, 2026) from 3 valuation models. Cautious scenario R$0.6630, optimistic scenario R$1.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Arandu Investimentos S.A stock forecast for 2026?
Our models put fair value at R$1.12, about +70% upside versus a price of R$0.6600 (undervalued). Cautious scenario R$0.6630, optimistic scenario R$1.73. The calculation is refreshed regularly with new filings.
What is the revenue of Arandu Investimentos S.A (ARND3)?
Arandu Investimentos S.A reported trailing-twelve-month revenue of about R$37.8M (latest available figure, as of Oct 14, 2026).
What growth is priced into Arandu Investimentos S.A (ARND3)?
For today's price to be fair in a discounted-cash-flow model, Arandu Investimentos S.A would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.2 % per year. As of Oct 14, 2026.
What discount rate (WACC) does the fair value of ARND3 use?
Our models discount Arandu Investimentos S.A at 12.7 %: a base by market capitalisation (nano), country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Arandu Investimentos S.A that is less than minus 40 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Arandu Investimentos S.A (ARND3) delivered so far?
Over the past 5 years revenue at Arandu Investimentos S.A grew +11.2 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Arandu Investimentos S.A (ARND3) growing?
The median revenue growth in the sector is +1.5 % a year. That is the yardstick for the growth priced into Arandu Investimentos S.A (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Arandu Investimentos S.A (ARND3)?
The free-cash-flow yield on the price is 45.38 %: that much free cash flow Arandu Investimentos S.A produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Arandu Investimentos S.A (ARND3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Arandu Investimentos S.A it is R$1.12 per share (as of Oct 14, 2026), against a price of R$0.6600. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Arandu Investimentos S.A stock overvalued or undervalued in 2026?
As of Oct 14, 2026, ARND3 trades below its calculated fair value: price R$0.6600, fair value R$1.12, a gap of about +70% (undervalued). 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 ARND3?
No. The price is what the market pays today (R$0.6600); the fair value is what the company's own numbers justify (R$1.12). For Arandu Investimentos S.A the two are R$0.4620 per share apart. That gap is exactly why we show both numbers side by side.
How much is Arandu Investimentos S.A worth?
The market values Arandu Investimentos S.A at about R$82.9M (market capitalisation, as of Oct 14, 2026). Per share that is R$0.6600; our models calculate a fair value of R$1.12 per share.
What do the bullish and bearish scenarios say about ARND3?
Our models span a range for Arandu Investimentos S.A: cautious scenario R$0.6630, base R$1.12, optimistic R$1.73 per share (as of Oct 14, 2026, price R$0.6600). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ARND3?
Arandu Investimentos S.A trades at a price-to-earnings ratio of 1.5 (as of Oct 14, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$1.12 is built from several models across several years. Other multiples: P/B 0.1, P/S 0.4.
How solid is the balance sheet of Arandu Investimentos S.A (ARND3)?
Balance-sheet figures for Arandu Investimentos S.A (as of Oct 14, 2026): return on equity −12.2%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
Which stocks are comparable to Arandu Investimentos S.A?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, 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 Arandu Investimentos S.A stock attractive at the current price?
The data as of Oct 14, 2026: price R$0.6600, calculated fair value R$1.12 (+70%), Quality Score 50/100, 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 ARND3 calculated?
We run Arandu Investimentos S.A 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 R$1.12, 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 14.5 % above its aggregate fair value. Arandu Investimentos S.A currently trades 41 % below its own fair value, and the market average says nothing about that. 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 Arandu Investimentos S.A (ARND3)?
The closing price on Oct 13, 2026 was R$0.6600. Our model-based fair value is R$1.12, about +70% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Arandu Investimentos S.A right now?
The model range is unusually wide (R$0.6630 to R$1.73). 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. Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Arandu Investimentos S.A
How large is the market capitalisation of Arandu Investimentos S.A (ARND3)?
The market capitalisation of Arandu Investimentos S.A is R$82.9M (≈ $16.6M). 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 Arandu Investimentos S.A (ARND3)?
The price-to-sales ratio of Arandu Investimentos S.A is 2.31 (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 Arandu Investimentos S.A (ARND3)?
Earnings per share at Arandu Investimentos S.A are R$0.4400 (price ÷ EPS = P/E 1.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Arandu Investimentos S.A (ARND3)?
The net margin of Arandu Investimentos S.A is −0.1% (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 Arandu Investimentos S.A (ARND3)?
The return on equity (ROE) of Arandu Investimentos S.A is −12.2% (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 Arandu Investimentos S.A (ARND3)?
On an EBIT basis the return on assets of Arandu Investimentos S.A is −14.4% (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 Arandu Investimentos S.A (ARND3)?
The operating margin of Arandu Investimentos S.A is −22.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Arandu Investimentos S.A (ARND3)?
Revenue at Arandu Investimentos S.A is growing −89.6% versus a year earlier (3y avg +7.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Arandu Investimentos S.A (ARND3) hold?
Arandu Investimentos S.A holds more cash than debt, R$727K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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