As of today (2026-06-25), Ameritrust Financial Technologies's weighted average cost of capital is 3.57%%. Ameritrust Financial Technologies's ROIC % is -606.66% (calculated using TTM income statement data).
Ameritrust Financial Technologies earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Ameritrust Financial Technologies's weighted average cost of capital is 3.57%%. Ameritrust Financial Technologies's ROIC % is -606.66% (calculated using TTM income statement data).
Ameritrust Financial Technologies earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
Related Terms
Ameritrust Financial Technologies WACC % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Application subindustry, Ameritrust Financial Technologies's WACC %, along with its competitors' market caps and WACC % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ameritrust Financial Technologies WACC % vs Software Industry
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, Ameritrust Financial Technologies's market capitalization (E) is $157.469 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Mar. 2026, Ameritrust Financial Technologies's latest one-year quarterly average Book Value of Debt (D) is $5.8214 Mil.
a) weight of equity = E / (E + D) = 157.469 / (157.469 + 5.8214) = 0.9643
b) weight of debt = D / (E + D) = 5.8214 / (157.469 + 5.8214) = 0.0357
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 3.5415%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. Ameritrust Financial Technologies's beta is -0.0391.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 3.5415% + -0.0391 * 6% = 3.3069%
3. Cost of Debt:
GuruFocus uses latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
As of Mar. 2026, Ameritrust Financial Technologies's interest expense (positive number) was $0.621 Mil. Its total Book Value of Debt (D) is $5.8214 Mil.
Cost of Debt = 0.621 / 5.8214 = 10.6675%.
4. Multiply by one minus TTM Tax Rate:
GuruFocus uses the most recent TTM Tax Expense divided by the most recent TTM Pre-Tax Income to calculate the tax rate. The calculated TTM tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated TTM Tax Rate = 0 / -10.967 = 0%.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ameritrust Financial Technologies (AMTFF) has a WACC % of 3.57% as of Jun. 25, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Ameritrust Financial Technologies and its competitors. This is 77% below median its historical median of 15.58. Over the past decade, Ameritrust Financial Technologies' WACC % has ranged from 10.59 to 38.85. According to the industry distribution chart, Ameritrust Financial Technologies ranks #2227 out of 2911 companies in the Software industry, placing it in the top 76.5%.
Is Ameritrust Financial Technologies' WACC % too high?
Ameritrust Financial Technologies' current WACC % of 3.57% is 77% below median its 10-year median of 15.58. Over the past 10 years, this metric has ranged from a low of 10.59 to a high of 38.85. The Software industry median WACC % is 9.06. Ameritrust Financial Technologies' value of 3.57% is 60.6% below this industry median. Based on the distribution chart, Ameritrust Financial Technologies ranks #2227 out of 2911 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Ameritrust Financial Technologies has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ameritrust Financial Technologies' WACC % compare to CRM and SHOP?
According to the Software industry distribution chart, Ameritrust Financial Technologies ranks #2227 out of 2911 companies for WACC %. This places Ameritrust Financial Technologies in the lower half of its industry. The industry median WACC % is 9.06. Ameritrust Financial Technologies' value of 3.57% is 60.6% below this benchmark. Historically, Ameritrust Financial Technologies' own WACC % has ranged from 10.59 to 38.85 over the past decade. While the company's 10-year median is 15.58 vs. the industry median of 9.06, Ameritrust Financial Technologies has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good WACC % for a Software company?
The median WACC % among Software companies is 9.06, based on 2,911 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ameritrust Financial Technologies's current WACC % of 3.57% is 60.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Ameritrust Financial Technologies and its competitors. For the Software industry, the median WACC % is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ameritrust Financial Technologies's current WACC % is 3.57%, which is 77% below median its own 10-year median of 15.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ameritrust Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Ameritrust Financial Technologies (AMTFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.01, compared to a current price of $0.15 — trading 1440% above its estimated fair value. The current WACC % is 3.57%, which is 77% below median its 10-year median of 15.58 and 60.6% below the Software industry median of 9.06. Ameritrust Financial Technologies' overall GF Score™ is 38/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is WACC % calculated?
WACC % is calculated from a company's financial statements. For Ameritrust Financial Technologies (AMTFF), the current WACC % is 3.57% as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ameritrust Financial Technologies (AMTFF) Overvalued in 2026?
Based on GuruFocus' analysis, Ameritrust Financial Technologies stock appears to be overvalued.
The current stock price of $0.15 is trading 1440% above its estimated GF Value™ of $0.01.
GuruFocus considers Ameritrust Financial Technologies to be Significantly Overvalued.
Key valuation signals for AMTFF:
WACC %: 3.57% (77% below median its 10-year median of 15.58)
GF Value™: $0.01 vs. price of $0.15 (1440% above fair value)
Industry Position: 60.6% below the Software median (#2227 of 2911)
No single metric tells the full story. See the AMTFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ameritrust Financial Technologies Business Description
Ameritrust Financial Technologies Inc is a technology provider. It has developed a powerful suite of cloud-based transaction platforms to buy, sell, trade, finance, and lease new and used vehicles, which includes real-time appraisal services, market information, and financing solutions: The company has two segments: Canadian operations and U.S. operations. It derives maximum revenue from U.S operations.
38GF Score
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