Sentage Holdings (SNTG) AI Stock Analysis

• Market Cap: $5.95M
• Dividend Yield: N/A
• Average Volume (3M): 3.55M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.95
• 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: 1.13
• Enterprise Value/Revenue: 62.26
• Enterprise Value/Gross Profit: 67.32
• Enterprise Value/Ebitda: -5.08
• 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: 43 Neutral
• Price Target: $2.00 ▲(4.71% Upside)

The score is weighed down primarily by weak financial performance—contracting revenue, sustained losses, and ongoing negative operating/free cash flow. Technical indicators are neutral with only mild near-term stabilization, and valuation remains constrained because the company is unprofitable (negative P/E) with no dividend yield data provided.

Positive Factors

Low leverage / conservative balance sheet

The near-zero debt-to-equity provides durable financial flexibility, lowering bankruptcy risk and easing access to credit during turnaround efforts. A low leverage base gives management time to fix operations without large mandatory interest burdens, supporting survivability over months.

Cost cuts narrowing losses

Material SG&A reduction and a smaller net loss show management can materially cut operating costs, improving the path to break-even. Sustained cost discipline can structurally reduce cash burn and extend runway, making a recovery or pivot more feasible over the medium term.

High gross margins at core level

A high gross margin implies attractive unit economics from core credit services before overhead. If revenue stabilizes and SG&A is controlled, operating leverage could convert strong gross margins into profitability, a durable structural advantage if customer origination economics persist.

Negative Factors

Sharply contracting revenue

A multi-year revenue decline erodes scale and makes fixed costs harder to cover, increasing per-unit costs and impairing sustainable margins. Continued top-line contraction undermines recovery prospects and makes long-term profitability dependent on regaining growth, a structural challenge.

Persistent negative operating and free cash flow

Sustained negative OCF/FCF shows the business cannot self-fund operations or growth, forcing reliance on external financing. Over months this depletes liquidity, raises financing risk and potential dilution, and constrains investment into product or customer acquisition required for durable recovery.

Ongoing unprofitability and negative returns on equity

A materially negative ROE indicates management is not converting capital into shareholder value, reflecting structural profitability issues. Persistent losses shrink equity and deter new investors, making long-term capitalization and competing for scale more difficult without a sustained business-model change.

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

Financial fundamentals are weak: revenue has contracted sharply and the company remains unprofitable with persistent operating losses. Cash flow is a major concern with negative operating and free cash flow across 2021–2024, indicating ongoing cash burn. The main offset is a conservatively levered balance sheet (very low debt-to-equity), which reduces near-term financial risk but does not fix the underlying profitability and cash generation issues.

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: 1.91
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 1.91 is below the 20-day moving average (MA) of 2.16, below the 50-day MA of 2.18, and below the 200-day MA of 2.18, indicating a bearish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 46.15 is Neutral, neither overbought nor oversold. The STOCH value of 10.40 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	59 Neutral	$192.46M	10.83	6.58%	―	16.94%	-10.46%
NISN	45 Neutral	$4.61M	-0.06	―	―	-12.05%	-87.87%
SNTG	43 Neutral	$5.95M	-3.27	-16.36%	―	-26.60%	15.28%
LMFA	42 Neutral	$4.47M	-0.14	-17.58%	―	-35.26%	53.23%
AIHS	41 Neutral	$5.33M	-0.42	―	―	-25.21%	24.90%

Sentage Holdings Corporate Events

Sentage Holdings Adopts Home Country Exemption on Nasdaq Annual Meeting Rule

On January 8, 2026, Sentage Holdings Inc. filed a Form 6-K to notify investors that its board has elected to use a home country rule exemption under Nasdaq Listing Rule 5615, allowing the company to follow its home country corporate governance practices instead of complying with Nasdaq Listing Rule 5620(a), which requires listed companies to hold an annual shareholders’ meeting within one year of fiscal year-end. Aside from this change in how and when it may convene shareholder meetings, Sentage stated that there are no other significant differences between its corporate governance practices and those required of U.S. domestic companies on the Nasdaq Capital Market, signaling limited impact on broader governance standards while providing the firm additional flexibility in scheduling shareholder meetings for the fiscal year ending December 31, 2025 and beyond.

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

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.