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Sentage Holdings, Inc. (SNTG)
:SNTG
US Market

Sentage Holdings (SNTG) AI Stock Analysis

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Sentage Holdings

(NASDAQ:SNTG)

Rating:39Underperform
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 (SNTG) vs. SPDR S&P 500 ETF (SPY)

Sentage Holdings Business Overview & Revenue Model

Company DescriptionSentage 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 MoneySentage 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
30
Negative
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
40
Negative
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
35
Negative
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
TTMDec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Income StatementTotal Revenue
146.47K146.55K161.37K2.26M3.60M3.97M
Gross Profit
133.87K133.96K143.54K2.23M3.60M3.97M
EBIT
-1.81M-1.76M-2.57M-778.97K2.18M2.44M
EBITDA
-1.75M-1.66M-2.53M-716.00K2.23M2.49M
Net Income Common Stockholders
-1.95M-1.90M-2.56M-1.09M1.59M1.83M
Balance SheetCash, Cash Equivalents and Short-Term Investments
227.39K2.26M3.81M10.75M117.43K227.39K
Total Assets
1.83M12.91M14.66M17.37M2.78M1.83M
Total Debt
1.21M72.23K166.22K161.02K1.44M1.21M
Net Debt
982.30K-2.19M-3.64M-10.59M1.32M982.30K
Total Liabilities
2.60M679.25K483.87K543.75K1.93M2.60M
Stockholders Equity
-772.93K12.23M14.17M16.82M851.44K-772.93K
Cash FlowFree Cash Flow
-1.89M-1.85M-6.70M-402.64K465.21K-1.38M
Operating Cash Flow
-1.87M-1.83M-6.66M-382.66K465.21K-1.38M
Investing Cash Flow
-22.90K-23.43K-34.35K-5.52M0.0010.75K
Financing Cash Flow
782.37K339.53K-173.16K16.40M-585.86K1.44M

Sentage Holdings Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.77
Price Trends
50DMA
1.70
Positive
100DMA
1.79
Negative
200DMA
1.93
Negative
Market Momentum
MACD
<0.01
Negative
RSI
53.20
Neutral
STOCH
84.21
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 Risk Analysis

Sentage Holdings disclosed 83 risk factors in its most recent earnings report. Sentage Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 2 New Risks
1.
The recent joint statement by the SEC and the PCAOB, rule changes by Nasdaq, and the Holding Foreign Companies Accountable Act and related regulations, all call for additional and more stringent criteria to be applied to emerging market companies upon assessing the qualification of their auditors, especially the non-U.S. auditors who are not inspected by the PCAOB. These developments could add uncertainties to our continued listing or future offerings of our securities in the U.S. Q4, 2022
2.
We may be unable to complete a business combination transaction efficiently or on favorable terms due to complicated merger and acquisition regulations and certain other PRC regulations. Q4, 2022

Sentage Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
82
Outperform
$2.17B6.2517.91%3.00%4.99%25.93%
80
Outperform
$5.50B6.5030.67%3.03%3.88%56.29%
80
Outperform
$970.79M5.2942.99%4.81%4.16%1.98%
YRYRD
76
Outperform
$604.12M2.7817.96%5.43%17.03%-23.72%
LXLX
73
Outperform
$1.23B6.9012.60%2.07%7.53%37.86%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
39
Underperform
$5.16M-17.86%25.25%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SNTG
Sentage Holdings
1.77
-0.43
-19.55%
YRD
Yiren Digital
7.43
2.97
66.59%
FINV
FinVolution Group
8.73
4.18
91.87%
LX
Lexinfintech Holdings
7.52
5.86
353.01%
QFIN
Qifu Technology
42.69
23.35
120.73%
JFIN
Jiayin Group
17.69
11.23
173.84%
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.