SunCar Technology Group (SDA) AI Stock Analysis

• Market Cap: $212.18M
• Dividend Yield: N/A
• Average Volume (3M): 84.35K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.57
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 560
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Auto - Dealerships
• EPS (TTM): N/A
• Shares Outstanding: 55,569,794
• 10 Day Avg. Volume: 87,751
• 30 Day Avg. Volume: 84,349
• PEG Ratio: -0.10
• Price to Book (P/B): 77.90
• Price to Sales (P/S): 2.10
• P/FCF Ratio: 82.32
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $6.00
• Price Target Upside: 185.71% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: $2.00 ▼(-4.76% Downside)

The overall score is primarily impacted by financial performance challenges, including high leverage and profitability issues. Technical indicators provide mixed signals, with some bearish trends. Valuation is weak due to negative earnings and lack of dividends.

Positive Factors

Revenue Growth

The company's strong revenue growth indicates increasing demand for its products and services, which can support future expansion and market penetration.

Strategic Partnerships

Partnerships with companies like Leapmotor enhance SunCar's market position and expand its customer base, driving long-term growth and innovation.

Blockchain Integration

Integrating blockchain technology can improve transaction transparency and efficiency, positioning SunCar at the forefront of digital transformation in the auto industry.

Negative Factors

High Leverage

High leverage increases financial risk, potentially limiting the company's ability to invest in growth opportunities and weather economic downturns.

Profitability Challenges

Ongoing profitability issues highlight operational inefficiencies, which could hinder long-term financial health and shareholder returns.

Low Equity Ratio

A low equity ratio suggests financial instability, making it difficult for SunCar to secure favorable financing terms or withstand financial stress.

SunCar Technology Group Business Overview & Revenue Model

Company Description

SunCar Technology Group (SDA) is a leading technology company specializing in the development of innovative automotive solutions, particularly in the electric vehicle (EV) sector. The company focuses on advanced software and hardware systems that enhance vehicle performance and user experience. SunCar's core offerings include intelligent vehicle control systems, battery management solutions, and integrated charging infrastructure, positioning it as a key player in the rapidly evolving transportation technology landscape.

How the Company Makes Money

SunCar Technology Group generates revenue through multiple key streams. Primarily, the company earns money by selling its proprietary software and hardware solutions to automotive manufacturers and suppliers, facilitating the integration of advanced technologies into new vehicle models. Additionally, SunCar engages in licensing agreements for its technology, allowing third-party companies to use its innovations in their products for a fee. The company also benefits from strategic partnerships with major automotive brands, which not only enhance its market reach but also lead to collaborative projects that can result in shared revenues. Furthermore, SunCar invests in R&D to stay ahead in the competitive landscape, seeking funding and grants that contribute to its financial growth.

SunCar Technology Group Financial Statement Overview

Summary

SunCar Technology Group shows revenue growth but struggles with profitability, high leverage, and low equity. Recent improvements in cash flow are positive, yet financial risks remain due to high debt levels.

Income Statement

SunCar Technology Group has shown revenue growth over recent years, with a 21.49% increase from 2023 to 2024. However, the company struggles with profitability, as indicated by negative EBIT and net income margins. The gross profit margin is moderate at 11.64% for 2024, but the consistent net losses highlight ongoing operational challenges.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio due to low stockholders' equity, which could pose significant financial risks. The equity ratio is low at 4.82%, indicating heavy reliance on liabilities to finance assets. Despite some asset growth, the financial stability is compromised by high leverage and negative equity in previous years.

Cash Flow

There is a positive shift in cash flow, with a move to positive free cash flow in 2024 from negative in 2023. The operating cash flow to net income ratio is positive, indicating some efficiency in converting income to cash, though the free cash flow to net income ratio shows room for improvement. Overall, cash management has improved but remains a concern given historical fluctuations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	461.12M	441.90M	363.75M	282.41M	249.24M	238.93M
Gross Profit	98.63M	51.46M	41.69M	50.12M	37.16M	27.48M
EBITDA	5.40M	-51.79M	-5.70M	-1.32M	14.41M	9.45M
Net Income	-16.63M	-68.66M	-26.91M	-6.67M	-23.72M	-12.99M
Balance Sheet
Total Assets	277.53M	246.73M	223.24M	191.97M	58.87M	58.39M
Cash, Cash Equivalents and Short-Term Investments	45.70M	47.85M	52.45M	47.74M	110.64K	754.44K
Total Debt	83.35M	84.16M	84.28M	74.97M	575.00K	60.88M
Total Liabilities	191.38M	180.49M	155.25M	155.19M	3.52M	2.84M
Stockholders Equity	29.35M	11.89M	16.08M	-5.28M	55.35M	55.55M
Cash Flow
Free Cash Flow	4.84M	11.25M	-32.58M	-20.50M	-1.30M	9.14M
Operating Cash Flow	5.21M	11.84M	-27.65M	-16.14M	-19.33K	18.63M
Investing Cash Flow	-12.47M	-12.15M	-2.39M	-5.92M	-20.68M	-29.16M
Financing Cash Flow	10.82M	-2.95M	40.43M	10.64M	-66.00K	43.88M

SunCar Technology Group Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 2.10
• 50DMA: Positive
• 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 SDA, the sentiment is Neutral. The current price of 2.1 is above the 20-day moving average (MA) of 2.08, above the 50-day MA of 1.99, and below the 200-day MA of 2.42, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 54.41 is Neutral, neither overbought nor oversold. The STOCH value of 69.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SDA.

SunCar Technology Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
RDNW	56 Neutral	$224.98M	-2.12	-268.06%	―	-12.43%	66.92%
UXIN	50 Neutral	$758.70M	-18.89	―	―	―	―
CRMT	49 Neutral	$226.53M	-15.93	-2.60%	―	2.07%	-117.51%
SDA	46 Neutral	$212.18M	-18.48	-48.66%	―	―	―
KXIN	40 Underperform	$56.83M	-0.05	-94.86%	―	-99.25%	90.38%
VRM	38 Underperform	$93.75M	-0.96	-52.02%	―	-81.31%	87.13%

SunCar Technology Group Corporate Events

SunCar Technology Group Posts Higher Assets and Equity in Unaudited Nine-Month 2025 Filing

In a Form 6-K filed for December 2025, SunCar Technology Group Inc. reported unaudited condensed consolidated financial statements showing that total assets rose from $246.7 million as of December 31, 2024 to $274.0 million as of September 30, 2025, driven largely by increases in prepaid and other current assets and stable levels of cash, investments, and receivables. Over the same period, total liabilities increased more modestly from $180.5 million to $185.2 million, while shareholders’ equity climbed from $66.2 million to $88.8 million, reflecting higher additional paid-in capital and growing non-controlling interests despite a widening accumulated deficit; these trends indicate ongoing capital infusion and balance sheet expansion that may support SunCar’s operational growth but also underscore continued losses and reliance on short-term borrowings in its capital structure.

The most recent analyst rating on (SDA) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on SunCar Technology Group stock, see the SDA Stock Forecast page.

SunCar Technology Group Reports Financial Growth in Mid-2025

SunCar Technology Group Inc. released its unaudited financial statements for the six months ending June 30, 2025, revealing an increase in total assets from $246.7 million to $277.5 million. The financial results indicate a growth in shareholders’ equity and a rise in accounts receivable, suggesting improved operational performance and potential positive implications for stakeholders.

The most recent analyst rating on (SDA) stock is a Sell with a $2.00 price target. To see the full list of analyst forecasts on SunCar Technology Group stock, see the SDA Stock Forecast page.