SunCar Technology Group (SDA)
NASDAQ:SDA
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SunCar Technology Group
(NASDAQ:SDA)
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Rating:49Neutral
Price Target:
$2.00
▲(1.52% Upside)
Action:ReiteratedDate:11/28/25
The overall score of 49 reflects significant concerns in financial performance, driven by net losses and high debt levels, despite strong revenue growth. Valuation challenges with a negative P/E ratio further weigh on the score, while technical indicators provide a slightly more neutral outlook with moderate momentum.
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.
Negative Factors
High Leverage
High leverage increases financial risk, potentially limiting the company's ability to invest in growth opportunities and weather economic downturns.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
SunCar Technology Group (SDA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$173.42M
Dividend YieldN/A
Average Volume (3M)84.35K
Price to Earnings (P/E)―
Beta (1Y)0.64
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees560
SectorConsumer Cyclical
Sector Strength84
IndustryAuto - Dealerships
Share Statistics
EPS (TTM)N/A
Shares Outstanding55,569,794
10 Day Avg. Volume87,751
30 Day Avg. Volume84,349
Financial Highlights & Ratios
PEG Ratio-0.10
Price to Book (P/B)77.90
Price to Sales (P/S)2.10
P/FCF Ratio82.32
Enterprise Value/Market Cap1.35
Enterprise Value/Revenue0.50
Enterprise Value/Gross Profit2.27
Enterprise Value/Ebitda29.31
Forecast
1Y Price Target
$6.00Price Target Upside204.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.13
Revenue Forecast (FY)$534.29M
SunCar Technology Group Business Overview & Revenue Model
Company Description
SunCar Technology Group Inc., through its subsidiaries, provides digitalized automotive after-sales service and online insurance intermediation services in the People's Republic of China. It operates through three segments: Insurance Intermediatio...
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 advanc...
SunCar Technology Group Earnings Call Summary
Earnings Call Date:Apr 28, 2025
(Q4-2024)
| % Change Since: |
Next Earnings Date:May 04, 2026
Earnings Call Sentiment Positive
The earnings call highlighted significant revenue growth and strategic partnerships, particularly in the auto insurance and technology services segments, driven by strong market demand and product innovation. However, the increase in operating costs, particularly due to share-based compensation, presents a challenge. Overall, the achievements in revenue and partnerships outweigh the cost challenges.Positive Updates
Record Revenue and Growth
SunCar reported a total revenue of $441.9 million for the full year 2024, marking a 21.5% increase from 2023. Adjusted EBITDA increased by 492% to $9.8 million from $1.6 million in 2023.
Negative Updates
Increased Operating Costs and Expenses
Operating costs rose to $500.3 million from $379.2 million in 2023, with significant increases in general and administrative expenses and R&D expenses.
Read all updates
Q4-2024 Updates
Positive
Negative
Record Revenue and Growth
SunCar reported a total revenue of $441.9 million for the full year 2024, marking a 21.5% increase from 2023. Adjusted EBITDA increased by 492% to $9.8 million from $1.6 million in 2023.
Read all positive updates
Company Guidance
During SunCar Technologies' full year 2024 earnings call, the company highlighted several key metrics demonstrating its robust performance and strategic direction. SunCar reported a total revenue of $441.9 million for 2024, marking a 21.5% increase from $363.7 million in 2023, with a notable 44.4% rise in auto insurance revenue to $170.5 million. The company's technology services revenue surged by 46.4% to $44.9 million, and auto services revenue grew by 5.3% to $226.5 million. Despite increased operating costs and expenses totaling $500.3 million, SunCar achieved an impressive 492% growth in adjusted EBITDA to $9.8 million. This growth underscores the effectiveness of SunCar's partnerships and its strategic focus on digitalization in China's automotive market. Looking ahead, SunCar plans to issue guidance with its first-quarter 2025 earnings release, contingent on market conditions and board approval.SunCar Technology Group Financial Statement Overview
Summary
Income Statement
25
Negative
Balance Sheet
20
Very Negative
Cash Flow
40
Negative
| Breakdown | TTM | Dec 2024 | Mar 2024 | Mar 2023 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 467.27M | 441.90M | 363.75M | 282.41M | 249.24M | 238.93M |
| Gross Profit | 103.18M | 51.46M | 41.69M | 50.12M | 37.16M | 27.48M |
| EBITDA | 8.00M | -51.79M | -5.70M | -1.32M | 14.41M | 9.45M |
| Net Income | -14.56M | -68.66M | -26.91M | -6.67M | -23.72M | -12.99M |
Balance Sheet | ||||||
| Total Assets | 273.98M | 246.73M | 223.24M | 191.97M | 58.87M | 58.39M |
| Cash, Cash Equivalents and Short-Term Investments | 48.14M | 47.85M | 52.45M | 47.74M | 110.64K | 754.44K |
| Total Debt | 87.71M | 84.16M | 84.28M | 74.97M | 575.00K | 60.88M |
| Total Liabilities | 185.21M | 180.49M | 155.25M | 155.19M | 3.52M | 2.84M |
| Stockholders Equity | 29.13M | 11.89M | 16.08M | -5.28M | 55.35M | 55.55M |
Cash Flow | ||||||
| Free Cash Flow | -693.00K | 11.25M | -32.58M | -20.50M | -1.30M | 9.14M |
| Operating Cash Flow | -413.00K | 11.84M | -27.65M | -16.14M | -19.33K | 18.63M |
| Investing Cash Flow | -11.37M | -12.15M | -2.39M | -5.92M | -20.68M | -29.16M |
| Financing Cash Flow | 15.65M | -2.95M | 40.43M | 10.64M | -66.00K | 43.88M |
SunCar Technology Group Technical Analysis
Negative
1.97
Price Trends
1.93
Negative
1.97
Negative
2.15
Negative
Market Momentum
-0.08
Positive
43.43
Neutral
21.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SDA, the sentiment is Negative. The current price of 1.97 is above the 20-day moving average (MA) of 1.76, above the 50-day MA of 1.93, and below the 200-day MA of 2.15, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 43.43 is Neutral, neither overbought nor oversold. The STOCH value of 21.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SDA.
SunCar Technology Group Risk Analysis
SunCar Technology Group disclosed 29 risk factors in its most recent earnings report. SunCar Technology Group reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
SunCar Technology Group Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
52 Neutral | $255.44M | -3.84 | -268.06% | ― | -12.43% | 66.92% | |
50 Neutral | $612.32M | -20.84 | 46.72% | ― | ― | ― | |
49 Neutral | $173.42M | -695.01 | -55.36% | ― | ― | ― | |
48 Neutral | $92.07M | -0.70 | -2.60% | ― | 2.07% | -117.51% | |
47 Neutral | $85.59M | -12.98 | -38.32% | ― | -81.31% | 87.13% | |
43 Neutral | $10.39M | -0.67 | -543.84% | ― | -99.25% | 90.38% |
* Consumer Cyclical Sector Average
SDA
SunCar Technology Group
1.70
-0.80
-32.00%
CRMT
America's Car-Mart
11.09
-34.53
-75.69%
RDNW
RideNow Group
6.65
3.93
144.49%
KXIN
Kaixin Auto Holdings
6.28
-416.72
-98.52%
UXIN
Uxin
2.97
-0.62
-17.27%
VRM
Vroom, Inc.
16.44
-15.86
-49.10%
SunCar Technology Group Corporate Events
SunCar Technology Group Posts Higher Assets and Equity in Unaudited Nine-Month 2025 Filing
Dec 22, 2025
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, 202...
SunCar Technology Group Reports Financial Growth in Mid-2025
Oct 27, 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&...
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.