Sentage Holdings (SNTG) AI Stock Analysis

• Market Cap: $6.37M
• Dividend Yield: N/A
• Average Volume (3M): 3.55M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.93
• Revenue Growth: -26.64%
• EPS Growth: -5.21%
• 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: 0.59
• Enterprise Value/Revenue: 35.16
• Enterprise Value/Gross Profit: 38.02
• Enterprise Value/Ebitda: -2.33
• 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: 39 Underperform
• Price Target: ―

Sentage Holdings faces significant financial hurdles with declining revenues and persistent losses, deeply impacting its financial health. Technical indicators show a bearish trend with mixed momentum signals, further contributing to a cautious outlook. The negative P/E ratio and absence of dividends underscore valuation concerns. Overall, the company's current challenges and financial instability result in a low stock score.

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

Sentage Holdings is facing significant financial challenges with declining revenues, persistent losses, and cash flow issues. While the balance sheet remains relatively strong with low leverage, the negative profitability metrics and cash flow constraints present risks. The company needs to address operational inefficiencies and stabilize revenue to improve its financial outlook.

Income Statement

Sentage Holdings has experienced a significant decline in revenue and profitability over the past several years. The gross profit margin remains positive, but the company has been operating with negative EBIT and net income margins, reflecting ongoing operational challenges and potential inefficiencies. The revenue growth rate has also been negative, indicating declining sales.

Balance Sheet

The company's balance sheet shows a strong equity position with a low debt-to-equity ratio, suggesting financial stability. However, the return on equity is negative due to sustained net losses, which impacts overall financial health. The equity ratio is high, indicating a strong asset base relative to liabilities, but continuous losses could pose risks to future equity value.

Cash Flow

Cash flow analysis reveals negative trends in operating and free cash flow, suggesting liquidity challenges. Although there is improvement in free cash flow from the previous year, operational cash flow remains negative relative to net income, indicating inefficiencies in converting earnings into cash.

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

Sentage Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 2.08 is below the 20-day moving average (MA) of 2.56, below the 50-day MA of 2.93, and above the 200-day MA of 2.08, indicating a neutral trend. The MACD of -0.21 indicates Positive momentum. The RSI at 34.40 is Neutral, neither overbought nor oversold. The STOCH value of 5.92 is Positive, 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CPSS	63 Neutral	$188.46M	10.81	6.66%	―	16.13%	-28.76%
NISN	54 Neutral	$17.43M	6.78	―	―	-12.05%	-87.87%
LMFA	46 Neutral	$16.45M	-0.29	-24.95%	―	-50.52%	3.90%
SNTG	39 Underperform	$6.37M	-2.88	―	―	-26.64%	-5.21%
AIHS	39 Underperform	$1.72M	-0.51	―	―	-42.31%	28.22%
PT	33 Underperform	$16.01M	-9.70	―	―	9.45%	71.81%