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TC Traders Club Ltda (TRAD3) fair value: what the stock is really worth

As of Oct 9, 2026: fair value of TC Traders Club Ltda BRL 0.90, price BRL 1.40, upside -35.7%, quality 35 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? No
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Technology · BR

TT Thin data Oct 3, 2026

TC Traders Club Ltda

TRAD3 · SA

Weakest SetupStrongly overvalued and low quality.

Fair value R$0.9000 · Strongly overvalued (−35.7%)
Quality 35/100
Weak Growth (revenue 5y −14.5 %/yr in BRL)
Negative free cash flow
Trails peers (2/8)
Narrow moat 8/100 · thin data
Thin data
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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

R$92.47 R$0.9800 Fair Value R$0.9000 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range R$0.9800 – R$92.47 · fair‑value band R$0.6000 – R$1.13 · the R$1.40 price screens above the R$0.9000 fair value. Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

TC S.A. operates an investor community. The company's platform offers market intelligence including analysis, production of news and information for users, investment ideas, and sell side reports.

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TC S.A. operates an investor community. The company's platform offers market intelligence including analysis, production of news and information for users, investment ideas, and sell side reports. It also offers financial education and data analysis comprising mathematical, statistical, and computational models that help investors in the decision-making process, as well as provides educational courses, workshops, books, videos, competitions, and articles to develop the necessary knowledge for those who already invest or want to start investing. The company was formerly known as TC Traders Club S.A. and changed its name to TC S.A. in December 2022. TC S.A. was founded in 2015 and is headquartered in São Paulo, Brazil.

Stock analysis

TC Traders Club Ltda (TRAD3) currently trades at R$1.40, while our model-based Fair Value estimate is R$0.9000, 35.7% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 81/100, which puts the evidence level at low.

Scenario range: R$0.6000 (bear) to R$1.13 (bull), the price of R$1.40 sits above 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 35/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

TC Traders Club Ltda reported revenue of R$22.3M in FY2025 versus R$91.6M in FY2021, a compound −29.7%/yr. Reported net income was −R$86.7M in FY2025.

Key figures

Market cap R$55.5M (≈ $11.1M) · P/S ratio 2.22 · EPS (TTM) R$−2.19 · Return on equity −60.0% · Return on assets (EBIT) −33.5% · Operating margin −154% · Revenue (TTM) R$20.4M · Revenue growth (YoY) −21.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 78% below its 52-week high and 43% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −9% fair-value upside, at −36%, TRAD3 screens richer than that median.

Fair Value models

Bear R$0.6000 Fair Value R$0.9000 Bull R$1.13
Price R$1.40 · Upside -35.7%
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.
Highest evidence
NCAV (Graham) R$1.42 R$1.91 R$2.84 51
All 1 models by family
Asset-Based
NCAV (Graham) R$1.42 R$1.91 R$2.84 51

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Quality Score breakdown

Overall quality 35/100

Of which business quality 35 · Market factors (momentum, volatility) 28

Profitability 1
Margins and returns on capital today
Quality Growth 5
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 55
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 29
Price trend over the last 3–12 months (market factor)
52W Momentum 4
Distance to the 52-week high (market factor)
Net Issuance 83
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. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−49.3%
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.
−35.3%
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.
−14.5%
Start year 2020 (pandemic)
Revenue growth 7 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.
+54.2%
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.
12.1% (2019) → −272.2% (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

TRAD3 screens overvalued: fair value 36% below the price. Compare with SAP SE →

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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.Software - Application · 652 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −35.7% · Below median
Profitability
Return on assets −37.1% · Bottom 25%
Operating margin (TTM) −153.6% · Bottom 25%
Growth and dividend
Revenue growth −21.9% · Bottom 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 0.10× · Cheapest 25%
P/S (TTM) 0.55× · Cheapest 25%

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 Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Adobe Inc ADBE $238.12 $454.04 +91% vs TRAD3
Uber Technologies, Inc UBER $68.11 $103.69 +52% vs TRAD3
Salesforce, Inc CRM $229.79 $342.73 +49% vs TRAD3
ServiceNow, Inc NOW $136.08 $149.69 +10% vs TRAD3
SAP SE SAP €188.60 €172.46 −9% vs TRAD3
Cadence Design Systems, Inc CDNS $352.84 $225.48 −36% vs TRAD3
Automatic Data Processing, Inc ADP $257.68 $150.01 −42% vs TRAD3
Shopify Inc SHOP $170.85 $64.36 −62% vs TRAD3
Snowflake Inc SNOW $341.04 $74.36 −78% vs TRAD3
Datadog, Inc DDOG $293.26 $32.52 −89% vs TRAD3

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TC Traders Club Ltda · Fair Value
R$0.9000 −36%Fair Value
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Cite: Fair Value Calculator (2026). "TC Traders Club Ltda Fair Value". https://www.fairvalue-calculator.com/stock/TRAD3

Frequently asked questions

Is TC Traders Club Ltda (TRAD3) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of R$0.9000 versus a price of R$1.40, about −36% upside (overvalued).
What is the fair value of TRAD3?
Our model-based fair value for TC Traders Club Ltda is R$0.9000 (as of Oct 3, 2026), built from audited fundamentals. The current price: R$1.40.
What is the quality score of TRAD3?
TC Traders Club Ltda has a Quality Score of 35/100. 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 TC Traders Club Ltda (TRAD3)?
Our model-based price target is the fair value of R$0.9000 (as of Oct 3, 2026) from 1 valuation models. Cautious scenario R$0.6000, optimistic scenario R$1.13. It is a calculation from audited fundamentals, not an analyst target.
What is the TC Traders Club Ltda stock forecast for 2026?
Our models put fair value at R$0.9000, about −36% upside versus a price of R$1.40 (overvalued). Cautious scenario R$0.6000, optimistic scenario R$1.13. The calculation is refreshed regularly with new filings.
What is the revenue of TC Traders Club Ltda (TRAD3)?
TC Traders Club Ltda reported trailing-twelve-month revenue of about R$20.4M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of TC Traders Club Ltda (TRAD3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TC Traders Club Ltda it is R$0.9000 per share (as of Oct 3, 2026), against a price of R$1.40. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is TC Traders Club Ltda stock overvalued or undervalued in 2026?
As of Oct 3, 2026, TRAD3 trades above its calculated fair value: price R$1.40, fair value R$0.9000, a gap of about −36% (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 TRAD3?
No. The price is what the market pays today (R$1.40); the fair value is what the company's own numbers justify (R$0.9000). For TC Traders Club Ltda the two are R$0.5000 per share apart. That gap is exactly why we show both numbers side by side.
How much is TC Traders Club Ltda worth?
The market values TC Traders Club Ltda at about R$55.5M (market capitalisation, as of Oct 3, 2026). Per share that is R$1.40; our models calculate a fair value of R$0.9000 per share.
What do the bullish and bearish scenarios say about TRAD3?
Our models span a range for TC Traders Club Ltda: cautious scenario R$0.6000, base R$0.9000, optimistic R$1.13 per share (as of Oct 3, 2026, price R$1.40). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of TC Traders Club Ltda (TRAD3)?
Balance-sheet figures for TC Traders Club Ltda (as of Oct 3, 2026): return on equity −60.0%. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is TRAD3 from its 52-week high?
TC Traders Club Ltda trades at R$1.40, about 78% below its 52-week high of R$6.49 and 43% above the low of R$0.9800 (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of R$0.9000 is for.
Which stocks are comparable to TC Traders Club Ltda?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 TC Traders Club Ltda stock attractive at the current price?
The data as of Oct 3, 2026: price R$1.40, calculated fair value R$0.9000 (−36%), Quality Score 35/100, 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 TRAD3 calculated?
We run TC Traders Club Ltda 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 R$0.9000, 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 14.8 % above its aggregate fair value. TC Traders Club Ltda 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 TC Traders Club Ltda (TRAD3)?
The closing price on Oct 9, 2026 was R$1.40. Our model-based fair value is R$0.9000, about −36% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TC Traders Club Ltda right now?
The price sits above even our optimistic bull case (R$1.13). The favourable scenario is already priced in. Weak quality (35/100) 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. A fairly wide model range (R$0.6000 to R$1.13) leaves room in how you read the outcome.

Key figures of TC Traders Club Ltda

How large is the market capitalisation of TC Traders Club Ltda (TRAD3)?
The market capitalisation of TC Traders Club Ltda is R$55.5M (≈ $11.1M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of TC Traders Club Ltda (TRAD3)?
The price-to-sales ratio of TC Traders Club Ltda is 2.22 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of TC Traders Club Ltda (TRAD3)?
Earnings per share at TC Traders Club Ltda are R$−2.19. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of TC Traders Club Ltda (TRAD3)?
The return on equity (ROE) of TC Traders Club Ltda is −60.0% (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 TC Traders Club Ltda (TRAD3)?
On an EBIT basis the return on assets of TC Traders Club Ltda is −33.5% (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 TC Traders Club Ltda (TRAD3)?
The operating margin of TC Traders Club Ltda is −154% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TC Traders Club Ltda (TRAD3)?
Revenue at TC Traders Club Ltda is growing −21.9% versus a year earlier (3y avg −35.3%). 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 TC Traders Club Ltda (TRAD3)?
Earnings per share at TC Traders Club Ltda are growing −17.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does TC Traders Club Ltda (TRAD3) generate?
The free cash flow of TC Traders Club Ltda is −R$35.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does TC Traders Club Ltda (TRAD3) hold?
TC Traders Club Ltda holds more cash than debt, R$9.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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