SOS (SOS) AI Stock Analysis

• Market Cap: $6.38M
• Dividend Yield: N/A
• Average Volume (3M): 17.20K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.87
• Revenue Growth: -35.46%
• EPS Growth: 60.83%
• Country: US
• Employees: 181
• Sector: Technology
• Sector Strength: 54
• Industry: Capital Markets
• EPS (TTM): -4.31
• Shares Outstanding: 2,867,266
• 10 Day Avg. Volume: 12,341
• 30 Day Avg. Volume: 17,198
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.69
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

SOS's overall stock score reflects a combination of financial stability and operational challenges. The strong balance sheet is a positive, but ongoing income statement losses and cash flow volatility weigh heavily. Technical analysis indicates bearish trends, and valuation metrics are unappealing. The lack of clear guidance from earnings calls adds to the uncertainty.

SOS Business Overview & Revenue Model

Company Description

China Rapid Finance Ltd. is an online consumer finance marketplace, which engages in the provision of investment management solutions and financial advisory services. Its products and services include consumer and life loans. The company was founded by Zheng Yu Wang and Andrew Mason in 2001 and is headquartered in Shanghai, China.

How the Company Makes Money

SOS Limited primarily generates revenue through its diversified range of digital and data-driven services. The company offers emergency rescue services for medical emergencies, vehicle breakdowns, and other urgent situations, which are monetized through subscription fees and service charges. Additionally, SOS provides insurance-related services, earning income through partnerships with insurance companies and offering value-added services to policyholders. In the health sector, the company offers telemedicine and healthcare management services, which contribute to its earnings via service fees. Furthermore, SOS capitalizes on the growing digital asset market by mining cryptocurrencies and offering blockchain-based services, thus adding another significant revenue stream. Strategic partnerships and continuous innovation in technology solutions are key factors that enhance the company's ability to generate income across its various business divisions.

SOS Financial Statement Overview

Summary

SOS exhibits a mixed financial profile. The income statement shows volatility with revenue declines and persistent net losses, although gross profit turned positive. The balance sheet is strong with a high equity ratio and low debt levels, indicating financial stability. Cash flow is improving with positive operating cash flow, but free cash flow concerns remain.

Income Statement

The income statement shows significant volatility with a large revenue decrease from 2022 to 2023 and persistent net losses. Gross profit turned positive in 2023, improving from a negative gross profit in 2022, indicating some recovery. However, the company remains unprofitable with negative EBIT and net income margins, reflecting ongoing operational challenges.

Balance Sheet

The balance sheet is relatively strong with high stockholders' equity and a low debt-to-equity ratio, suggesting financial stability. The equity ratio is substantial, indicating a solid capital base. However, the company should be cautious about potential liabilities, although current figures show manageable debt levels.

Cash Flow

Cash flow analysis reveals improvement in operating cash flow, turning positive in 2023 after negative flows in previous years. This indicates better cash management, although free cash flow remains a concern. The operating cash flow to net income ratio suggests effective cash generation relative to reported losses, which is a positive sign.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
92.42M	260.03M	357.82M	50.29M	48.69M
	Gross Profit
14.18M	-10.57M	21.07M	12.99M	33.65M
	EBIT
-4.81M	-214.54M	-41.35M	15.77M	-5.55M
	EBITDA
963.00K	-205.89M	-38.21M	-1.89M	1.75M
	Net Income Common Stockholders
-3.65M	-229.45M	-49.25M	4.40M	1.47M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
279.48M	259.49M	338.03M	3.72M	15.42M
	Total Assets
483.89M	454.73M	695.30M	69.76M	69.16M
	Total Debt
377.00K	921.00K	2.81M	3.58M	580.00K
	Net Debt
-278.80M	-258.57M	-335.21M	-139.00K	-14.84M
	Total Liabilities
61.52M	45.96M	61.73M	9.53M	64.09M
	Stockholders Equity
425.99M	409.60M	633.37M	60.24M	5.07M
Cash Flow		Free Cash Flow
9.71M	-88.94M	-251.60M	-44.05M	-14.96M
	Operating Cash Flow
9.71M	-72.92M	-218.56M	-43.55M	-14.90M
	Investing Cash Flow
0.00	-16.03M	-33.03M	3.00M	-1.97M
	Financing Cash Flow
17.60M	34.70M	584.08M	43.55M	0.00

SOS Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4.69
• 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 SOS, the sentiment is Negative. The current price of 4.69 is below the 20-day moving average (MA) of 5.53, below the 50-day MA of 6.42, and below the 200-day MA of 10.12, indicating a bearish trend. The MACD of -0.46 indicates Positive momentum. The RSI at 33.79 is Neutral, neither overbought nor oversold. The STOCH value of 12.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SOS.

SOS Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RIOT	63 Neutral	$2.75B	21.23	4.35%	―	34.20%	―
Sector *	58 Neutral	$21.67B	10.04	-18.58%	2.39%	5.01%	-23.17%
MARA	55 Neutral	$4.53B	8.86	18.84%	―	69.38%	30.30%
BTBT	52 Neutral	$363.82M	37.70	-1.29%	―	167.47%	―
SOS	50 Neutral	$6.38M	―	-0.89%	―	-35.46%	60.83%
CAN	44 Neutral	$302.70M	―	-87.12%	―	5.59%	32.06%