Sentage Holdings (SNTG) AI Stock Analysis

• Market Cap: $5.16M
• Dividend Yield: N/A
• Average Volume (3M): 19.21K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.80
• Revenue Growth: N/A
• EPS Growth: 25.25%
• Country: US
• Employees: 14
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): -0.77
• Shares Outstanding: 2,805,325
• 10 Day Avg. Volume: 4,133
• 30 Day Avg. Volume: 19,211
• PEG Ratio: -0.45
• Price to Book (P/B): 0.39
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -2.73
• Enterprise Value/Market Cap: 0.84
• Enterprise Value/Revenue: 9.93
• Enterprise Value/Gross Profit: 32.51
• Enterprise Value/Ebitda: -0.51
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• 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
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
146.47K	146.55K	161.37K	2.26M	3.60M	3.97M
	Gross Profit
133.87K	133.96K	143.54K	2.23M	3.60M	3.97M
	EBIT
-1.81M	-1.76M	-2.57M	-778.97K	2.18M	2.44M
	EBITDA
-1.75M	-1.66M	-2.53M	-716.00K	2.23M	2.49M
	Net Income Common Stockholders
-1.95M	-1.90M	-2.56M	-1.09M	1.59M	1.83M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
227.39K	2.26M	3.81M	10.75M	117.43K	227.39K
	Total Assets
1.83M	12.91M	14.66M	17.37M	2.78M	1.83M
	Total Debt
1.21M	72.23K	166.22K	161.02K	1.44M	1.21M
	Net Debt
982.30K	-2.19M	-3.64M	-10.59M	1.32M	982.30K
	Total Liabilities
2.60M	679.25K	483.87K	543.75K	1.93M	2.60M
	Stockholders Equity
-772.93K	12.23M	14.17M	16.82M	851.44K	-772.93K
Cash Flow		Free Cash Flow
-1.89M	-1.85M	-6.70M	-402.64K	465.21K	-1.38M
	Operating Cash Flow
-1.87M	-1.83M	-6.66M	-382.66K	465.21K	-1.38M
	Investing Cash Flow
-22.90K	-23.43K	-34.35K	-5.52M	0.00	10.75K
	Financing Cash Flow
782.37K	339.53K	-173.16K	16.40M	-585.86K	1.44M

Sentage Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.77
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SNTG, the sentiment is Positive. The current price of 1.77 is above the 20-day moving average (MA) of 1.75, above the 50-day MA of 1.70, and below the 200-day MA of 1.93, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.20 is Neutral, neither overbought nor oversold. The STOCH value of 84.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SNTG.

Sentage Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FINV	82 Outperform	$2.17B	6.25	17.91%	3.00%	4.99%	25.93%
QFIN	80 Outperform	$5.50B	6.50	30.67%	3.03%	3.88%	56.29%
JFIN	80 Outperform	$970.79M	5.29	42.99%	4.81%	4.16%	1.98%
YRD	76 Outperform	$604.12M	2.78	17.96%	5.43%	17.03%	-23.72%
LX	73 Outperform	$1.23B	6.90	12.60%	2.07%	7.53%	37.86%
Sector *	64 Neutral	$12.86B	9.79	7.78%	16985.65%	12.28%	-7.82%
SNTG	39 Underperform	$5.16M	―	-17.86%	―	―	25.25%