Sentage Holdings (SNTG) AI Stock Analysis

• Market Cap: $5.75M
• Dividend Yield: N/A
• Average Volume (3M): 3.55M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.01
• Revenue Growth: -26.60%
• EPS Growth: 15.28%
• Country: US
• Employees: 14
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 2,805,325
• 10 Day Avg. Volume: 39,009
• 30 Day Avg. Volume: 3,548,336
• PEG Ratio: 0.23
• Price to Book (P/B): 0.50
• Price to Sales (P/S): 47.23
• P/FCF Ratio: -2.90
• Enterprise Value/Market Cap: 0.89
• Enterprise Value/Revenue: 47.62
• Enterprise Value/Gross Profit: 51.49
• Enterprise Value/Ebitda: -3.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 41 Neutral
• Price Target: $2.00 ▲(7.53% Upside)

The score is driven primarily by weak financial performance—shrinking revenue, persistent losses, and ongoing negative operating/free cash flow—despite low leverage. Technical indicators add downside bias with price below key moving averages and negative MACD, while valuation is constrained by a negative P/E and no dividend support.

Positive Factors

Strong Equity Position

A strong equity position with low leverage indicates financial stability, providing a buffer against operational challenges and potential downturns.

Prepaid Payment Network Services

The prepaid payment network services offer a steady revenue stream through transaction fees, contributing to diversification and resilience against market fluctuations.

Partnership Opportunities

Strategic partnerships can enhance product offerings and expand the client base, fostering long-term growth and competitive advantage.

Negative Factors

Declining Revenue

A consistent decline in revenue indicates challenges in market positioning and product demand, which could hinder long-term growth and profitability.

Negative Cash Flow Trends

Negative cash flow trends highlight inefficiencies in operations and liquidity constraints, which could limit the company's ability to invest in growth opportunities.

Persistent Losses

Persistent losses reflect operational inefficiencies and could erode financial health over time, impacting the company's ability to sustain operations and invest in future growth.

Sentage Holdings Business Overview & Revenue Model

Company Description

Sentage Holdings Inc. provides a range of financial services. The company offers consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China. Sentage Holdings Inc. was incorporated in 2019 and is based in Shanghai, the People's Republic of China.

How the Company Makes Money

Sentage Holdings makes money through multiple revenue streams, primarily focusing on its financial services. The company earns revenue by charging fees for its consumer loan repayment and collection management services. Additionally, income is generated through commissions and fees from its loan recommendation services, where it connects borrowers with lenders. Sentage Holdings also derives revenue by offering prepaid payment network services, which involve transaction fees and related charges. The company may form partnerships with financial institutions and service providers to enhance its offerings and expand its client base, contributing to its overall earnings.

Sentage Holdings Financial Statement Overview

Summary

Financials are weak: revenue has contracted sharply (down ~27% in 2024 vs. 2023), profitability is deeply negative (2024 net loss with ~-18.6% net margin), and operating/free cash flow have been negative for multiple years (continued cash burn in 2024). The main offset is a very low current leverage position (2024 debt-to-equity ~0.01), which reduces balance-sheet risk but does not resolve ongoing losses.

Income Statement

Revenue has contracted sharply over time (down ~27% in 2024 vs. 2023, following declines in prior years), and the company remains deeply unprofitable in recent periods (2024 net loss of ~$2.0M with a roughly -18.6% net margin; similarly negative operating profitability). While gross margin appears very high, the core issue is that operating costs overwhelm gross profit, driving persistent losses. The only clear strength is that the business was meaningfully profitable in 2019–2020, but the earnings profile has deteriorated materially since then.

Balance Sheet

Leverage is currently very low (2024 debt-to-equity ~0.01), which reduces financial risk and gives the company some balance-sheet flexibility. However, profitability on equity is consistently negative in recent years (2024 return on equity about -19.6%), signaling that capital is not being converted into shareholder value. The balance sheet also shows a notable shift from higher leverage in 2020 (debt-to-equity ~1.69) to today’s low-debt position, which is positive, but ongoing losses remain a key risk to equity durability over time.

Cash Flow

Cash generation is weak, with operating cash flow and free cash flow negative across 2021–2024 (2024 operating cash flow about -$1.75M; 2023 about -$1.83M; 2022 about -$6.66M). Free cash flow also worsened in 2024 versus 2023 (negative growth), indicating continued cash burn. The main positive is that cash burn improved substantially from the very large outflow in 2022, but the business has not yet demonstrated a return to self-funding operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	107.51K	107.51K	146.55K	161.37K	2.26M	3.60M
Gross Profit	99.43K	99.43K	133.96K	143.54K	2.23M	3.60M
EBITDA	-1.32M	-1.63M	-1.66M	-2.53M	-716.00K	2.23M
Net Income	-1.68M	-2.00M	-1.90M	-2.56M	-1.09M	1.59M
Balance Sheet
Total Assets	11.14M	11.68M	12.91M	14.66M	17.37M	2.78M
Cash, Cash Equivalents and Short-Term Investments	750.99K	1.26M	2.26M	3.81M	10.75M	117.43K
Total Debt	1.50M	146.60K	416.46K	166.22K	161.02K	1.44M
Total Liabilities	1.72M	1.45M	679.25K	483.87K	543.75K	1.93M
Stockholders Equity	9.41M	10.23M	12.23M	14.17M	16.82M	851.44K
Cash Flow
Free Cash Flow	-1.49M	-1.75M	-1.85M	-6.70M	-402.64K	465.21K
Operating Cash Flow	-1.49M	-1.75M	-1.83M	-6.66M	-382.66K	465.21K
Investing Cash Flow	0.00	0.00	-23.43K	-34.35K	-5.52M	0.00
Financing Cash Flow	612.13K	732.28K	339.53K	-173.16K	16.40M	-585.86K

Sentage Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.86
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SNTG, the sentiment is Negative. The current price of 1.86 is below the 20-day moving average (MA) of 2.16, below the 50-day MA of 2.17, and below the 200-day MA of 2.13, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 46.04 is Neutral, neither overbought nor oversold. The STOCH value of 42.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SNTG.

Sentage Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CPSS	71 Outperform	$203.72M	11.46	6.58%	―	16.94%	-10.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NISN	46 Neutral	$4.89M	-0.06	―	―	-12.05%	-87.87%
PT	44 Neutral	$15.53M	-9.41	―	―	9.45%	71.81%
LMFA	42 Neutral	$6.60M	-0.20	-17.58%	―	-35.26%	53.23%
SNTG	41 Neutral	$5.75M	-3.16	-16.36%	―	-26.60%	15.28%
AIHS	39 Underperform	$5.15M	-0.40	―	―	-25.21%	24.90%

Sentage Holdings Corporate Events

Sentage Holdings Narrows First-Half 2025 Loss Amid Cost Cuts but Cash Balance Declines

On December 19, 2025, Sentage Holdings Inc. reported unaudited financial results for the first six months of fiscal 2025 ended June 30, 2025, showing a narrowed net loss of $0.8 million versus $1.12 million a year earlier, with basic and diluted loss per share improving to $0.34 from $0.47. The loss reduction was driven largely by a 29% year-on-year decline in selling, general and administrative expenses to $796,323, mainly due to lower third-party professional consulting fees, while cash and restricted cash fell to $0.75 million from $1.28 million at year-end 2024 and operating cash outflows eased to $0.83 million from $1.09 million, signaling cost discipline but also highlighting ongoing liquidity pressure and reliance on financing and related-party funding for its China-focused financial services operations.

Sentage Holdings Announces CFO Transition in October 2025

Sentage Holdings Inc. announced a change in its executive team with the termination of its Chief Financial Officer, Mr. Jianhua Chen, effective September 30, 2025. The company clarified that this decision was not related to any financial or operational issues. Subsequently, Ms. Chunli Fu was appointed as the interim CFO effective October 1, 2025. Ms. Fu brings extensive experience in accounting and finance, having served as CFO of Qingdao Buytop Payment Services Co., Ltd. since 2015, and her appointment is expected to maintain stability in the company’s financial operations.