eGuarantee, Inc (EGTIF) Fair Value & Analysis

Financial Services · US · Market cap $495M

A strong business, but screening 42% overvalued on our models.

What matters now

• A high-quality business (quality 83/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
• The price sits above even our optimistic bull case ($10.28). The favourable scenario is already priced in.
• A fairly wide model range ($4.84 to $10.28) leaves room in how you read the outcome.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $8.35 – $11.78 · fair‑value band $4.84 – $10.28 · the $11.15 price screens above the $6.45 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

eGuarantee, Inc (EGTIF) currently trades at $11.15, while our model-based Fair Value estimate is $6.45, implying the stock looks roughly 42.2% overvalued today. The Quality Score stands at 83/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, eGuarantee, Inc generated revenue of $11.0B at a net margin of 32.5%. Revenue grew 1.7% year over year. It earns a return on equity of 15.0%. The balance sheet holds a net cash position of $12.8B. Fundamentals as of Jul 26, 2026

Our scenario range runs from $4.84 (bear case) to $10.28 (bull case); at $11.15, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 41% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -42%, EGTIF screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: DCF Models ($1,534) versus Asset-Based ($309.35). Highest evidence: Growth DCF (72).

Key figures & financial health

Quality Score breakdown

About the company

eGuarantee, Inc., together with its subsidiaries, engages in credit risk entrustment and securitization business in Japan. It offers services for business corporations that include undertaking the risk of uncollected commercial receivables arising between business companies, such as sales receivables.

Full company description

eGuarantee, Inc., together with its subsidiaries, engages in credit risk entrustment and securitization business in Japan. It offers services for business corporations that include undertaking the risk of uncollected commercial receivables arising between business companies, such as sales receivables. The company also provides services for financial institutions, including service to accept the risks associated with financial claims that arise when guaranteeing trade receivables for companies, and advance payment for corporations. It conducts sales activities through sales networks, such as trading companies, regional banks, financial institutions, leasing companies, insurance agency, and credit unions. The company was incorporated in 2000 and is headquartered in Tokyo, Japan.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

eGuarantee, Inc reported revenue of $11.1B in FY2026 versus $7.9B in FY2022, a compound +8.9%/yr. Reported net income was $3.6B in FY2026, compounding +10.0%/yr from FY2022.

EGTIF screens 42% overvalued. Compare with Visa Inc →

Peer Group

Credit Services · 333 stocks

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.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

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

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.