Pintec Technology Holdings (PT) AI Stock Analysis

• Market Cap: $15.07M
• Dividend Yield: N/A
• Average Volume (3M): 7.18K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.02
• Revenue Growth: -34.85%
• EPS Growth: 83.43%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 77
• Industry: Financial - Credit Services
• EPS (TTM): -0.14
• Shares Outstanding: 14,492,545
• 10 Day Avg. Volume: 7,270
• 30 Day Avg. Volume: 7,182
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 0.36
• Enterprise Value/Gross Profit: 0.52
• Enterprise Value/Ebitda: -1.22
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 33 Underperform
• Price Target: ―

Pintec Technology Holdings' overall stock score is significantly hampered by its poor financial performance, characterized by declining revenues, persistent losses, and a highly leveraged balance sheet. Technical indicators suggest neutral market sentiment with limited short-term upside. The lack of earnings and dividend yield further diminishes its attractiveness as an investment.

Positive Factors

AI Market Potential

The resumption of AI GPU shipments into China by NVDA and other providers is a significant win, reopening a $50B market opportunity.

Financial Performance

TAG was the best-performing stock, benefiting from a combination of its financial performance beat and an acquisition announcement.

Growth Opportunity

There is a tactical opportunity for growth in the shopping center sector due to improved occupancy rates and signed not occupied lease commencements.

Negative Factors

Cost Increase

A potential new 20% tariff on US-Mexico manufactured servers could increase costs for companies like DELL and SMCI.

Earnings Guidance

IWG's shares saw material underperformance due to management guidance to the bottom end of its earnings estimate.

Political Risks

Real estate underperformed as political risks in France and the UK saw bond yields expand and dragged on domestically exposed stocks.

Pintec Technology Holdings Business Overview & Revenue Model

Company Description

Pintec Technology Holdings (PT) is a leading technology platform that provides financial services solutions in China. The company operates in the fintech sector, offering a range of services including digital lending, wealth management, and insurance technology. Pintec leverages advanced technologies like artificial intelligence and big data analytics to deliver efficient and scalable financial solutions to its partners and clients.

How the Company Makes Money

Pintec Technology Holdings generates revenue primarily through service fees and commissions from its various financial solutions. The company partners with financial institutions, e-commerce platforms, and other businesses to offer tailored financial products such as small and medium enterprise loans, personal loans, and investment products. These partnerships enable Pintec to earn commissions on transactions and service fees for the technology and platforms it provides. Additionally, Pintec may engage in strategic collaborations and joint ventures that contribute to its earnings by expanding its reach and product offerings in the fintech market.

Pintec Technology Holdings Financial Statement Overview

Summary

Pintec Technology Holdings' financials reflect a company struggling with declining revenues, persistent losses, and a fragile balance sheet. The high leverage and negative equity pose significant risks, while current cash flows are insufficient to cover operational demands. Strategic financial restructuring may be necessary to stabilize the company's financial health.

Income Statement

Pintec Technology Holdings has faced significant revenue decline and persistent net losses over the years. The gross profit margin has been decent, but the company's inability to translate it into operating profits is concerning. Despite some improvement in EBIT and EBITDA margins recently, the overall trend shows financial instability and substantial net income losses.

Balance Sheet

The balance sheet reveals a negative stockholders' equity, indicating a highly leveraged position and potential solvency issues. The debt-to-equity ratio is not calculable due to negative equity, while the equity ratio is negative, underscoring financial distress. The company's liabilities have consistently exceeded its assets, raising concerns about financial sustainability.

Cash Flow

Cash flow analysis shows significant fluctuations with recent negative operating cash flows. The free cash flow has been negative or minimal, indicating challenges in generating cash from operations to support business activities. The operating cash flow to net income ratio suggests inefficiency in converting profits into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	33.53M	35.14M	52.72M	74.57M	173.24M	378.26M
Gross Profit	23.21M	22.30M	14.53M	11.88M	83.52M	92.49M
EBITDA	-9.85M	-11.90M	-26.01M	-164.33M	-55.88M	-206.84M
Net Income	-83.72M	-15.45M	-78.76M	-196.56M	-108.82M	-296.14M
Balance Sheet
Total Assets	114.99M	103.44M	113.20M	528.87M	761.23M	978.50M
Cash, Cash Equivalents and Short-Term Investments	44.61M	26.95M	40.55M	257.21M	230.85M	395.73M
Total Debt	0.00	4.68M	0.00	349.75M	400.03M	532.84M
Total Liabilities	503.44M	498.56M	493.08M	776.01M	826.26M	930.45M
Stockholders Equity	-401.61M	-408.87M	-392.95M	-402.05M	-224.93M	-118.94M
Cash Flow
Free Cash Flow	0.00	-14.99M	7.88M	-10.55M	-32.36M	-40.84M
Operating Cash Flow	0.00	-14.90M	8.61M	-10.52M	-32.18M	56.96M
Investing Cash Flow	0.00	-84.00K	35.27M	86.69M	-119.46M	192.62M
Financing Cash Flow	0.00	1.82M	-257.38M	-57.89M	-132.33M	-286.64M

Pintec Technology Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PT, the sentiment is Negative. The current price of 0.95 is below the 20-day moving average (MA) of 0.95, below the 50-day MA of 0.95, and below the 200-day MA of 0.97, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.72 is Neutral, neither overbought nor oversold. The STOCH value of 18.35 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PT.

Pintec Technology Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
SUIG	62 Neutral	$504.98M	25.67	7.58%	―	-39.95%	440.27%
NISN	52 Neutral	$16.57M	6.66	0.46%	―	-12.05%	-87.87%
LMFA	45 Neutral	$17.33M	―	-24.95%	―	-50.52%	3.90%
AIHS	40 Underperform	$3.49M	―	-408.12%	―	-42.31%	28.22%
SNTG	39 Underperform	$6.40M	―	-17.86%	―	-26.64%	-5.21%
PT	33 Underperform	$15.07M	―	20.04%	―	-34.85%	83.43%