Splitit Payments Ltd (STTTF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Splitit Payments Ltd $0.00, price $0.00, upside +0.0%, quality 21 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Splitit Payments Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
Splitit Payments Ltd, together with its subsidiaries, provides payment solution services in North America, the United Kingdom, Europe, and Australia. Its solution enables customers to pay for instalments with an existing credit with no applications, redirects or loans. Splitit Payments Ltd was incorporated in 2008 and is headquartered in Atlanta, Georgia.
Stock analysis
Splitit Payments Ltd (STTTF) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, so the stock looks roughly fairly valued today (gap 0.0%).
Show more
Valuation
How firm this estimate is: it rests on 1 models at a data quality of 88/100, which puts the evidence level at low.
Quality & growth
The Quality Score stands at 21/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Splitit Payments Ltd reported revenue of $10.6M in FY2022 versus $790K in FY2018, a compound +91.3%/yr. Reported net income was −$22.6M in FY2022.
Key figures
Market cap $53.3K · EPS (TTM) $−0.0400 · Net margin −200% · Return on equity −104% · Return on assets (EBIT) −55.2% · Operating margin −143% · Revenue (TTM) $11.4M · Revenue growth (YoY) +14.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at 0%, STTTF screens cheaper than that median.
Fair Value models
Bear $0.0001Fair Value $0.0001Bull $0.0001
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.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.36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1.4%
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.
+65.2%
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.
+109.8%
Revenue growth 6 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.
+107.7%
’16
’17
’18
’19
’20
’21
’22
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.
−1,134.1% (2017) → −134.7% (2022)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2022 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
Free, no sign-up
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 - Infrastructure · 338 stocks
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 Splitit Payments Ltd (STTTF) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of $0.0001 versus the last price from Sep 25, 2026 of $0.0001, about +0% upside (fairly valued).
What is the fair value of STTTF?
Our model-based fair value for Splitit Payments Ltd is $0.0001 (as of Oct 2, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.0001.
What is the quality score of STTTF?
Splitit Payments Ltd has a Quality Score of 21/100. 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 Splitit Payments Ltd (STTTF)?
Our model-based price target is the fair value of $0.0001 (as of Oct 2, 2026) from 1 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Splitit Payments Ltd stock forecast for 2026?
Our models put fair value at $0.0001, about +0% upside versus the last price from Sep 25, 2026 of $0.0001 (fairly valued). The calculation is refreshed regularly with new filings.
What is the revenue of Splitit Payments Ltd (STTTF)?
Splitit Payments Ltd reported trailing-twelve-month revenue of about $11.4M (latest available figure, as of Oct 2, 2026).
What is the intrinsic value of Splitit Payments Ltd (STTTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Splitit Payments Ltd it is $0.0001 per share (as of Oct 2, 2026), against a price of $0.0001. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Splitit Payments Ltd stock overvalued or undervalued in 2026?
As of Oct 2, 2026, STTTF trades below its calculated fair value: price $0.0001, fair value $0.0001, a gap of about +0% (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 STTTF?
No. The price is what the market pays today ($0.0001); the fair value is what the company's own numbers justify ($0.0001). For Splitit Payments Ltd the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Splitit Payments Ltd worth?
The market values Splitit Payments Ltd at about $53.3K (market capitalisation, as of Oct 2, 2026). Per share that is $0.0001; our models calculate a fair value of $0.0001 per share.
How solid is the balance sheet of Splitit Payments Ltd (STTTF)?
Balance-sheet figures for Splitit Payments Ltd (as of Oct 2, 2026): return on equity −103.8%, debt of 2.72 per unit of equity. They feed the Quality Score of 21/100, which measures business quality independently of the share price.
How far is STTTF from its 52-week high?
Splitit Payments Ltd trades at $0.0001, at its 52-week high of $0.0001 and at the low of $0.0001 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0001 is for.
Which stocks are comparable to Splitit Payments Ltd?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 Splitit Payments Ltd stock attractive at the current price?
The data as of Oct 2, 2026: price $0.0001, calculated fair value $0.0001 (+0%), Quality Score 21/100, from 1 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 STTTF calculated?
We run Splitit Payments Ltd through 1 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 $0.0001, 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. Splitit Payments 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 Splitit Payments Ltd (STTTF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.0001. Our model-based fair value is $0.0001, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Splitit Payments Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Splitit Payments Ltd
How large is the market capitalisation of Splitit Payments Ltd (STTTF)?
The market capitalisation of Splitit Payments Ltd is $53.3K. 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 are the earnings per share of Splitit Payments Ltd (STTTF)?
Earnings per share at Splitit Payments Ltd are $−0.0400. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Splitit Payments Ltd (STTTF)?
The net margin of Splitit Payments Ltd is −200% (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 Splitit Payments Ltd (STTTF)?
The return on equity (ROE) of Splitit Payments Ltd is −104% (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 Splitit Payments Ltd (STTTF)?
On an EBIT basis the return on assets of Splitit Payments Ltd is −55.2% (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 Splitit Payments Ltd (STTTF)?
The operating margin of Splitit Payments Ltd is −143% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Splitit Payments Ltd (STTTF)?
Revenue at Splitit Payments Ltd is growing +14.6% versus a year earlier (3y avg +65.2%). 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 Splitit Payments Ltd (STTTF) generate?
The free cash flow of Splitit Payments Ltd is −$8.3M (fiscal year 2022). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
Free · no account needed
Watch Splitit Payments Ltd in the live analysis
One click puts Splitit Payments Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Thin data
Oct 2, 2026