Pintec Technology Holdings (PT) AI Stock Analysis

• Market Cap: $16.01M
• Dividend Yield: N/A
• Average Volume (3M): 1.21M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.05
• Revenue Growth: 9.45%
• EPS Growth: 71.81%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.14
• Shares Outstanding: 14,492,545
• 10 Day Avg. Volume: 126,488
• 30 Day Avg. Volume: 1,210,598
• PEG Ratio: <0.01
• Price to Book (P/B): >-0.01
• Price to Sales (P/S): 0.06
• P/FCF Ratio: -0.15
• Enterprise Value/Market Cap: 0.76
• Enterprise Value/Revenue: 0.34
• Enterprise Value/Gross Profit: 0.53
• Enterprise Value/Ebitda: -2.95
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• 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

Technological Advantage

Pintec's use of AI and big data analytics provides a competitive edge in delivering efficient and scalable financial solutions, enhancing its long-term market position in the fintech sector.

Strategic Partnerships

Strategic partnerships with financial institutions and e-commerce platforms enable Pintec to expand its reach and diversify its revenue streams, supporting sustainable growth in the fintech market.

Revenue Model

A revenue model based on service fees and commissions provides a steady income stream, allowing Pintec to capitalize on its technology platform and maintain financial stability over time.

Negative Factors

Declining Revenue

A significant decline in revenue growth indicates challenges in market demand or competitive pressures, which can undermine long-term business sustainability and growth prospects.

High Leverage

High leverage and negative equity pose solvency risks, limiting financial flexibility and potentially hindering the company's ability to invest in growth opportunities.

Negative Cash Flow

Negative cash flow from operations indicates inefficiencies in cash generation, which can strain resources and impact the company's ability to sustain operations and fund future growth.

Pintec Technology Holdings Business Overview & Revenue Model

Company Description

Pintec Technology Holdings Limited, together with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China. The company connects business partners and financial partners on its platform and enables them to provide financial services to end users. Its technology platform's financial services include assistance for borrowers to obtain loans from third party investors and various financial partners; a lending solution for borrowers who want to finance online purchases or who have personal or business installment loan requests; and a wealth management and insurance product distribution solution for asset management and insurance companies to facilitate the sales of products. Pintec Technology Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.

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	35.55M	35.14M	52.72M	74.57M	173.24M	378.26M
Gross Profit	22.74M	22.30M	14.53M	11.88M	83.52M	92.49M
EBITDA	-4.12M	-11.90M	-26.01M	-164.33M	-55.88M	-122.26M
Net Income	-11.90M	-15.45M	-78.76M	-190.18M	-101.73M	-293.94M
Balance Sheet
Total Assets	96.36M	103.44M	113.20M	528.87M	761.23M	978.50M
Cash, Cash Equivalents and Short-Term Investments	33.90M	26.95M	40.55M	250.73M	217.90M	395.73M
Total Debt	3.32M	4.68M	0.00	349.75M	400.03M	532.84M
Total Liabilities	496.51M	498.56M	493.08M	776.01M	826.26M	930.45M
Stockholders Equity	-414.05M	-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: Positive
• Last Price: 0.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PT, the sentiment is Positive. The current price of 0.98 is above the 20-day moving average (MA) of 0.96, above the 50-day MA of 0.96, and above the 200-day MA of 0.97, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 52.49 is Neutral, neither overbought nor oversold. The STOCH value of 31.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PT.

Pintec Technology Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	75 Outperform	$475.24M	2.68	13.64%	8.06%	12.69%	-35.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NISN	54 Neutral	$17.02M	6.85	―	―	-12.05%	-87.87%
LMFA	43 Neutral	$18.00M	-0.26	-24.95%	―	-50.52%	3.90%
SNTG	39 Underperform	$6.37M	-2.88	―	―	-26.64%	-5.21%
AIHS	38 Underperform	$1.72M	-0.51	―	―	-42.31%	28.22%
PT	33 Underperform	$16.01M	-9.70	―	―	9.45%	71.81%