Complete Financial Solutions, Inc (CFSU) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of Complete Financial Solutions, Inc stock $0.02, price $0.11, upside -79.9%, quality 24 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Complete Financial Solutions, Inc., through its subsidiaries, operates as financial services company in the United States.
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The company originates, processes, closes, and funds mortgages applications; and offers protection products to mortgage customers, and small business accounting and tax preparation services, as well as provides banking, legal, and credit solutions.
It also provides annuities; and life, long term care, and dental insurance services. The company was formerly known as MortgageZone Inc. and changed its name to Complete Financial Solutions, Inc. as result of reorganization in October 2006.
Complete Financial Solutions was founded in 2003 and is based in Spokane, Washington.
Stock analysis
Complete Financial Solutions, Inc (CFSU) currently trades at $0.1145, while our model-based Fair Value estimate is $0.0230, 79.9% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the data coverage at low.
Quality & growth
The Quality Score stands at 24/100 (below-average quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Complete Financial Solutions, Inc reported revenue of $0 in FY2025 versus $10.6M in FY2015. Reported net income was −$1.1M in FY2025.
Key figures
Market cap $304M Small · P/S ratio 53.8 · Net margin −0.8% · Return on assets (EBIT) −8.0% · Operating margin 13.5% · Revenue (TTM) $5.6M · Revenue growth (YoY) +28.4% · Free cash flow −$278K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 25 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 91% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 11% fair-value upside, at −80%, CFSU screens richer than that median.
Fair Value models
Bear$0.0230Fair Value $0.0230Bull$0.0230
Price $0.1145 · Upside -79.9%
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.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.
Best data coverage
P/B Multiple$0.0100$0.0100$0.010055
NCAV (Graham)n/an/a$0.010051
All 2 models by family
Multiples
P/B Multiple$0.0100$0.0100$0.010055
Asset-Based
NCAV (Graham)n/an/a$0.010051
The fair value above starts from this blend and is adjusted for dilution from new shares.
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.21/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.6%
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.
+10.8%
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.
+0.6%
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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.
3.7% (2011) → −2.1% (2017)
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
Compare Complete Financial Solutions, Inc 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.Conglomerates · 366 stocks
Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score24 · Bottom 25%
Fair Value upside−68.5% · Bottom 25%
Profitability
Return on assets−3.3% · Bottom 25%
Net margin (12 months)−0.8% · Bottom 25%
Operating margin (12 months)13.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)28.4% · Top 25%
Balance sheet
Debt / equity0.06× · Below median
Valuation Multiplesvs Conglomerates median · lower = cheaper
P/B9.87× · Priciest 25%
P/S (12 months)53.81× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 48
FUTURE (revenue growth)100· sector 36
PAST (return on equity)0· sector 22
HEALTH (low debt)97· sector 90
DIVIDEND (yield)0· sector 46
VALUE 0: the price sits above our fair-value range.
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.
Is Complete Financial Solutions, Inc (CFSU) overvalued or undervalued?
As of Oct 30, 2026, our model estimates a fair value of $0.0230 versus a price of $0.1145, about −80% upside (overvalued).
What is the fair value of CFSU?
Our model-based fair value for Complete Financial Solutions, Inc is $0.0230 (as of Oct 30, 2026), built from audited fundamentals. The current price: $0.1145.
What is the quality score of CFSU?
Complete Financial Solutions, Inc has a Quality Score of 24/100. 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 Complete Financial Solutions, Inc (CFSU)?
Our model-based price target is the fair value of $0.0230 (as of Oct 30, 2026) from 2 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Complete Financial Solutions, Inc stock forecast for 2026?
Our models put fair value at $0.0230, about −80% upside versus a price of $0.1145 (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Complete Financial Solutions, Inc (CFSU)?
Complete Financial Solutions, Inc reported trailing-twelve-month revenue of about $5.6M (latest available figure, as of Oct 30, 2026).
What is the intrinsic value of Complete Financial Solutions, Inc (CFSU)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Complete Financial Solutions, Inc it is $0.0230 per share (as of Oct 30, 2026), against a price of $0.1145. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Complete Financial Solutions, Inc stock overvalued or undervalued in 2026?
As of Oct 30, 2026, CFSU trades above its calculated fair value: price $0.1145, fair value $0.0230, a gap of about −80% (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 CFSU?
No. The price is what the market pays today ($0.1145); the fair value is what the company's own numbers justify ($0.0230). For Complete Financial Solutions, Inc the two are $0.0915 per share apart. That gap is exactly why we show both numbers side by side.
How much is Complete Financial Solutions, Inc worth?
The market values Complete Financial Solutions, Inc at about $304M (market capitalisation, as of Oct 30, 2026). Per share that is $0.1145; our models calculate a fair value of $0.0230 per share.
How solid is the balance sheet of Complete Financial Solutions, Inc (CFSU)?
Balance-sheet figures for Complete Financial Solutions, Inc (as of Oct 30, 2026): debt of 0.06 per unit of equity. They feed the Quality Score of 24/100, which measures business quality independently of the share price.
How far is CFSU from its 52-week high?
Complete Financial Solutions, Inc trades at $0.1145, about 12% below its 52-week high of $0.1299 and 91% above the low of $0.0600 (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0230 is for.
Which stocks are comparable to Complete Financial Solutions, Inc?
From the same area (Industrials) we also value 3M Company, Honeywell International Inc, Swire Pacific Limited, CITIC Limited, 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 Complete Financial Solutions, Inc stock attractive at the current price?
The data as of Oct 30, 2026: price $0.1145, calculated fair value $0.0230 (−80%), Quality Score 24/100, from 2 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 CFSU calculated?
We run Complete Financial Solutions, Inc through 2 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 $0.0230, 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 13.4 % above its aggregate fair value. Complete Financial Solutions, 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 Complete Financial Solutions, Inc (CFSU)?
The closing price on Oct 30, 2026 was $0.1145. Our model-based fair value is $0.0230, about −80% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Complete Financial Solutions, Inc right now?
The price sits above even our optimistic bull case ($0.0230). The favourable scenario is already priced in. Weak quality (24/100) 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.
Key figures of Complete Financial Solutions, Inc
How large is the market capitalisation of Complete Financial Solutions, Inc (CFSU)?
The market capitalisation of Complete Financial Solutions, Inc is $304M. 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 Complete Financial Solutions, Inc (CFSU)?
The price-to-sales ratio of Complete Financial Solutions, Inc is 53.8 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Complete Financial Solutions, Inc (CFSU)?
The net margin of Complete Financial Solutions, Inc is −0.8% (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 EBIT return on assets of Complete Financial Solutions, Inc (CFSU)?
On an EBIT basis the return on assets of Complete Financial Solutions, Inc is −8.0% (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 Complete Financial Solutions, Inc (CFSU)?
The operating margin of Complete Financial Solutions, Inc is 13.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Complete Financial Solutions, Inc (CFSU)?
Revenue at Complete Financial Solutions, Inc is growing +28.4% versus a year earlier. 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 Complete Financial Solutions, Inc (CFSU) generate?
The free cash flow of Complete Financial Solutions, Inc is −$278K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Complete Financial Solutions, Inc (CFSU) carry?
The net debt of Complete Financial Solutions, Inc is $1.7M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Oct 30, 2026