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eGuarantee Inc (EGTIF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of eGuarantee Inc $10.19, price $11.15, upside -8.6%, quality 83 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US

EI eGuarantee Inc logo Some data Sep 27, 2026

eGuarantee Inc

EGTIF · US

Quality WatchlistA strong company, but the current price is close to Fair Value.

·Fair value $10.19 · Fairly valued (−8.6%)
✓Quality 83/100
✓Healthy Growth (revenue 5y +9.1 %/yr)
✓Highly profitable · 32.5% net margin (TTM)
✓generates free cash flow
!Mixed vs. peers (6/12)
✓Wide moat 76/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 22 out of 100
!Weak on future: 9 out of 100
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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

$11.78 $8.35 Fair Value $10.19 May 2020 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range $8.35 – $11.78 · fair‑value band $5.04 – $13.82 · the $11.15 price screens above the $10.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

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.

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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.

Stock analysis

eGuarantee Inc (EGTIF) currently trades at $11.15, while our model-based Fair Value estimate is $10.19, so the stock looks roughly fairly valued today (gap 9.4%).

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Valuation

How firm this estimate is: it rests on 26 models at a data quality of 86/100, which puts the evidence level at medium.

Scenario range: $5.04 (bear) to $13.82 (bull), the price of $11.15 sits inside 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 83/100 (high quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

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.

Key figures

Market cap $495M · P/E ratio 23.7 · P/S ratio 7.72 · EPS (TTM) $0.4700 · Net margin 32.5% · Return on equity 15.0% · Return on assets (EBIT) 15.8% · Operating margin 47.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −9%, EGTIF screens richer than that median.

Fair Value models

Bear $5.04 Fair Value $10.19 Bull $13.82
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 2026 figures (about 6 months old). Earnings retained since then ($0.2331 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.
Highest evidence
Growth DCF $1,175 $1,621 $2,226 76
Owner Earnings $1,103 $1,546 $2,176 74
Rev-Margin DCF $838.36 $1,095 $1,411 71
All 11 models by family
DCF Models
Owner Earnings $1,103 $1,546 $2,176 74
5Y P/E Exit $1,068 $1,535 $2,039 69
10Y P/E Exit $1,101 $1,504 $2,019 62
Earnings-Based
Graham-Dodd $553.04 $2,111 $2,859 64
Lynch FV $513.51 $733.59 $953.67 61
Multiples
P/E Multiple $792.96 $1,057 $1,322 63
P/B Multiple $484.80 $646.40 $808.00 55
Asset-Based
NCAV (Graham) $230.86 $309.35 $461.71 51
Growth DCF
Growth DCF $1,175 $1,621 $2,226 76
Rev-Margin DCF $838.36 $1,095 $1,411 71
Economic Profit
Residual Income $464.02 $599.41 $905.63 69

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Quality Score breakdown

Overall quality 83/100

Of which business quality 81 · Market factors (momentum, volatility) 58

Profitability 62
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 85
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 92
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 52
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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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. 89/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.6%
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.
+9.3%
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.
+9.1%
Start year 2021 (pandemic). Over 10 years: +9.6% a year
Revenue growth 17 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.
+8.7%
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.
42.9% (2021) → 47.2% (2026)

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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.Credit Services · 330 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 85 · Top 25%
Fair Value upside −8.6% · Below median
Profitability
Return on equity (TTM) 15.0% · Top 25%
Return on assets 10.4% · Top 25%
Net margin (TTM) 32.5% · Above median
Operating margin (TTM) 47.9% · Above median
Growth and dividend
Revenue growth 1.7% · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 23.7× · Pricier than median
P/B 3.81× · Priciest 25%
P/S (TTM) 7.08× · Priciest 25%
P/FCF 0.1× · Cheaper than median
EV/EBITDA 12.4× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)22 · sector 47
FUTURE (revenue growth)9 · sector 44
PAST (return on equity)60 · sector 32
HEALTH (low debt)0 · sector 59
DIVIDEND (yield)0 · sector 65

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $367.38 $221.29 −40%
Mastercard Incorporated MA $567.65 $359.54 −37%
American Express Company AXP $308.89 $208.54 −32%
Capital One Financial Corporation COF $200.20 $125.94 −37%
Bajaj Finance Limited BAJFINANCE ₹996.90 ₹1,100 +10%
PayPal Holdings PYPL $55.04 $104.12 +89%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $71.52 $78.67 +10%
Synchrony Financial, SYF $72.94 $141.92 +95%
SoFi Technologies, Inc SOFI $16.58 $5.53 −67%

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eGuarantee Inc · Fair Value
$10.19 −9%Fair Value
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Cite: Fair Value Calculator (2026). "eGuarantee Inc Fair Value". https://www.fairvalue-calculator.com/stock/EGTIF

Frequently asked questions

Is eGuarantee Inc (EGTIF) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $10.19 versus a price of $11.15, about −9% upside (fairly valued).
What is the fair value of EGTIF?
Our model-based fair value for eGuarantee Inc is $10.19 (as of Sep 27, 2026), built from audited fundamentals. The current price: $11.15.
What is the quality score of EGTIF?
eGuarantee Inc has a Quality Score of 83/100. 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 eGuarantee Inc (EGTIF)?
Our model-based price target is the fair value of $10.19 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario $5.04, optimistic scenario $13.82. It is a calculation from audited fundamentals, not an analyst target.
What is the eGuarantee Inc stock forecast for 2026?
Our models put fair value at $10.19, about −9% upside versus a price of $11.15 (fairly valued). Cautious scenario $5.04, optimistic scenario $13.82. The calculation is refreshed regularly with new filings.
What is the revenue of eGuarantee Inc (EGTIF)?
eGuarantee Inc reported trailing-twelve-month revenue of about ¥11.0B (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of eGuarantee Inc (EGTIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For eGuarantee Inc it is $10.19 per share (as of Sep 27, 2026), against a price of $11.15. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is eGuarantee Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, EGTIF trades above its calculated fair value: price $11.15, fair value $10.19, a gap of about −9% (fairly valued). 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 EGTIF?
No. The price is what the market pays today ($11.15); the fair value is what the company's own numbers justify ($10.19). For eGuarantee Inc the two are $0.9600 per share apart. That gap is exactly why we show both numbers side by side.
How much is eGuarantee Inc worth?
The market values eGuarantee Inc at about $495M (market capitalisation, as of Sep 27, 2026). Per share that is $11.15; our models calculate a fair value of $10.19 per share.
What do the bullish and bearish scenarios say about EGTIF?
Our models span a range for eGuarantee Inc: cautious scenario $5.04, base $10.19, optimistic $13.82 per share (as of Sep 27, 2026, price $11.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EGTIF?
eGuarantee Inc trades at a price-to-earnings ratio of 23.7 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.19 is built from several models across several years. Other multiples: P/B 3.8, P/S 7.1, EV/EBITDA 12.4.
How solid is the balance sheet of eGuarantee Inc (EGTIF)?
Balance-sheet figures for eGuarantee Inc (as of Sep 27, 2026): return on equity 15.0%. They feed the Quality Score of 83/100, which measures business quality independently of the share price.
How far is EGTIF from its 52-week high?
eGuarantee Inc trades at $11.15, about 5% below its 52-week high of $11.78 and 14% above the low of $9.79 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $10.19 is for.
Which stocks are comparable to eGuarantee Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 eGuarantee Inc stock attractive at the current price?
The data as of Sep 27, 2026: price $11.15, calculated fair value $10.19 (−9%), Quality Score 83/100, from 11 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 EGTIF calculated?
We run eGuarantee Inc through 11 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 $10.19, 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 16.1 % above its aggregate fair value. eGuarantee 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 eGuarantee Inc (EGTIF)?
The closing price on Sep 25, 2026 was $11.15. Our model-based fair value is $10.19, about −9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with eGuarantee Inc right now?
The model range is unusually wide ($5.04 to $13.82). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of eGuarantee Inc (EGTIF) come from?
Earnings per share at eGuarantee Inc grew +16.7 % a year from 2015 to 2026. Broken into its drivers: revenue per share +13.1 %, EBIT margin +1.9 %, tax rate +0.6 %, residual (interest, one-offs) +0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of eGuarantee Inc

How large is the market capitalisation of eGuarantee Inc (EGTIF)?
The market capitalisation of eGuarantee Inc is $495M. 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 eGuarantee Inc (EGTIF)?
The price-to-sales ratio of eGuarantee Inc is 7.72 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of eGuarantee Inc (EGTIF)?
Earnings per share at eGuarantee Inc are $0.4700 (price ÷ EPS = P/E 23.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of eGuarantee Inc (EGTIF)?
The net margin of eGuarantee Inc is 32.5% (fiscal year 2026). 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 eGuarantee Inc (EGTIF)?
The return on equity (ROE) of eGuarantee Inc is 15.0% (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 eGuarantee Inc (EGTIF)?
On an EBIT basis the return on assets of eGuarantee Inc is 15.8% (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 eGuarantee Inc (EGTIF)?
The operating margin of eGuarantee Inc is 47.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at eGuarantee Inc (EGTIF)?
Revenue at eGuarantee Inc is growing +1.7% versus a year earlier (3y avg +9.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at eGuarantee Inc (EGTIF)?
Earnings per share at eGuarantee Inc are growing −0.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does eGuarantee Inc (EGTIF) generate?
The free cash flow of eGuarantee Inc is ¥4.0B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does eGuarantee Inc (EGTIF) hold?
eGuarantee Inc holds more cash than debt, ¥12.8B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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