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Pintec Technology Holdings (PT)
NASDAQ:PT
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Pintec Technology Holdings (PT) AI Stock Analysis

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PT

Pintec Technology Holdings

(NASDAQ:PT)

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Underperform 33 (OpenAI - 4o)
Rating:33Underperform
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 (PT) vs. SPDR S&P 500 ETF (SPY)

Pintec Technology Holdings Business Overview & Revenue Model

Company DescriptionPintec 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 MoneyPintec 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
30
Negative
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
20
Very Negative
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
25
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue33.53M35.14M52.72M74.57M173.24M378.26M
Gross Profit23.21M22.30M14.53M11.88M83.52M92.49M
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 Assets114.99M103.44M113.20M528.87M761.23M978.50M
Cash, Cash Equivalents and Short-Term Investments44.61M26.95M40.55M257.21M230.85M395.73M
Total Debt0.004.68M0.00349.75M400.03M532.84M
Total Liabilities503.44M498.56M493.08M776.01M826.26M930.45M
Stockholders Equity-401.61M-408.87M-392.95M-402.05M-224.93M-118.94M
Cash Flow
Free Cash Flow0.00-14.99M7.88M-10.55M-32.36M-40.84M
Operating Cash Flow0.00-14.90M8.61M-10.52M-32.18M56.96M
Investing Cash Flow0.00-84.00K35.27M86.69M-119.46M192.62M
Financing Cash Flow0.001.82M-257.38M-57.89M-132.33M-286.64M

Pintec Technology Holdings Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.95
Price Trends
50DMA
0.96
Negative
100DMA
0.95
Negative
200DMA
0.97
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
46.38
Neutral
STOCH
30.89
Neutral
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 0.99, below the 50-day MA of 0.96, and below the 200-day MA of 0.97, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 46.38 is Neutral, neither overbought nor oversold. The STOCH value of 30.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PT.

Pintec Technology Holdings Risk Analysis

Pintec Technology Holdings disclosed 92 risk factors in its most recent earnings report. Pintec Technology Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Pintec Technology Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
62
Neutral
$322.84M16.40-39.95%440.27%
58
Neutral
$18.40M7.390.45%-12.05%-87.87%
45
Neutral
$17.54M-0.26-30.56%-50.52%3.90%
41
Neutral
$2.57M-0.76123.71%-42.31%28.22%
39
Underperform
$9.37M-4.24-26.64%-5.21%
33
Underperform
$15.03M20.04%9.45%71.81%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PT
Pintec Technology Holdings
0.95
0.05
5.56%
NISN
NiSun International Enterprise Development Group
3.99
-12.01
-75.06%
AIHS
Senmiao Technology
2.32
-9.65
-80.62%
LMFA
LM Funding America
1.13
-1.53
-57.52%
SUIG
Sui Group Holdings
3.93
1.68
74.67%
SNTG
Sentage Holdings
3.34
1.01
43.35%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: May 03, 2025