Pintec Technology Holdings (PT) AI Stock Analysis

• Market Cap: $14.51M
• Dividend Yield: N/A
• Average Volume (3M): 12.87K
• 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: 81
• Industry: Financial - Credit Services
• EPS (TTM): -0.14
• Shares Outstanding: 14,492,545
• 10 Day Avg. Volume: 11,048
• 30 Day Avg. Volume: 12,870
• PEG Ratio: <0.01
• Price to Book (P/B): >-0.01
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• 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

Long-term Industry Outlook

Long-term outlook on cloud computing remains positive, with more Gen-AI applications moving from proof-of-concept to production and increasing use-cases for AI agents.

New Product Development

Credo announced its new Lark Family of Optical DSPs, which are low-power and offer high speeds, potentially attracting more customers.

Product Launch

There is potential for significant developments from NVIDIA with the launch of new products and roadmaps in the global AI market.

Negative Factors

Customer Spending Reductions

Approximately 25% of channel partner’s customers have reduced spending on GCP, and this mix is expected to increase to 50% due to customer hesitation after recent tariff announcements.

Product Stability Issues

Ascend 910a/c GPUs are unstable during training with daily interruptions, despite being 50% cheaper per compute.

Tariff Impact

New tariffs on US servers made in Mexico could lead to increased costs for server manufacturers and potentially impact supply chains.

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 is facing significant financial challenges across its income statement, balance sheet, and cash flow. The company is struggling with declining revenues, persistent losses, and a highly leveraged balance sheet with negative equity. While there is some improvement in operating cash flows, the overall financial health remains weak, with substantial risks tied to its financial structure and performance.

Income Statement

The company has shown a significant decline in revenue over the years, with a negative revenue growth rate from 2019 to 2023. Gross profit margin has decreased significantly, and the company has struggled with negative net income, resulting in negative net profit margins. The EBIT and EBITDA margins are also negative, indicating ongoing operational challenges. Despite some gross profit, the company's overall income performance is weak.

Balance Sheet

The balance sheet reveals high liabilities relative to assets, with stockholders' equity being negative in recent years. This results in a concerning debt-to-equity ratio, given the negative equity. The equity ratio is also negative due to the negative equity, highlighting significant leverage and potential solvency issues. The company's financial stability is weak, with high risks associated with its current balance sheet structure.

Cash Flow

Cash flow analysis shows some improvement in operating cash flow, but free cash flow has been inconsistent. There is a positive operating cash flow to net income ratio due to reduced net losses, but the free cash flow to net income ratio remains challenging. Although the company has managed to generate some cash from operations, the overall cash flow position is unstable with significant volatility in financing activities.

Breakdown	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement
Total Revenue	52.72M	74.57M	173.24M	378.26M	1.29B
Gross Profit	14.53M	11.88M	83.52M	92.49M	515.55M
EBITDA	-88.79M	-164.33M	-55.88M	-206.84M	-873.22M
Net Income	-78.76M	-196.56M	-108.82M	-296.14M	-906.49M
Balance Sheet
Total Assets	113.20M	528.87M	761.23M	978.50M	1.56B
Cash, Cash Equivalents and Short-Term Investments	40.55M	257.21M	230.85M	395.73M	194.13M
Total Debt	0.00	349.75M	400.03M	532.84M	802.76M
Total Liabilities	493.08M	776.01M	826.26M	930.45M	1.20B
Stockholders Equity	-392.95M	-402.05M	-224.93M	-118.94M	189.53M
Cash Flow
Free Cash Flow	7.88M	-10.55M	-32.36M	-40.84M	165.06M
Operating Cash Flow	8.61M	-10.52M	-32.18M	56.96M	175.08M
Investing Cash Flow	35.27M	86.69M	-119.46M	192.62M	-538.70M
Financing Cash Flow	-257.38M	-57.89M	-132.33M	-286.64M	224.37M

Pintec Technology Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.92
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Neutral. The current price of 0.92 is above the 20-day moving average (MA) of 0.91, below the 50-day MA of 0.94, and below the 200-day MA of 0.97, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.59 is Neutral, neither overbought nor oversold. The STOCH value of 74.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PT.

Pintec Technology Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	67 Neutral	$16.86B	11.64	9.71%	3.83%	11.61%	-9.60%
MCVT	62 Neutral	$10.97M	9.56	6.42%	―	-7.31%	―
LMFA	52 Neutral	$14.07M	―	-40.46%	―	-44.09%	-64.95%
NISN	52 Neutral	$17.99M	7.48	0.46%	―	-12.05%	-87.87%
SNTG	39 Underperform	$5.08M	―	-17.86%	―	―	25.25%
AIHS	36 Underperform	$3.05M	―	-408.12%	―	-44.34%	27.19%
PT	33 Underperform	$14.51M	―	20.04%	―	-34.85%	83.43%