PINTEC TECHNOLOGY HOLDINGS L (PT) Stock Fundamental Analysis

NASDAQ:PT • US72352G2066

1.22 USD
+0.25 (+26.1%)
At close: Jan 15, 2026
1.23 USD
+0.01 (+0.82%)
After Hours: 1/15/2026, 8:09:09 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

1

Overall PT gets a fundamental rating of 1 out of 10. We evaluated PT against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of PT have multiple concerns. PT does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year PT has reported negative net income.
  • PT had negative earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: PT reported negative operating cash flow in multiple years.
PT Yearly Net Income VS EBIT VS OCF VS FCFPT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M -600M -800M

1.2 Ratios

  • PT has a Return On Assets of -12.41%. This is amonst the worse of the industry: PT underperforms 90.74% of its industry peers.
Industry RankSector Rank
ROA -12.41%
ROE N/A
ROIC N/A
ROA(3y)-40.15%
ROA(5y)-32.77%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PT Yearly ROA, ROE, ROICPT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1K 2K

1.3 Margins

  • With a decent Gross Margin value of 63.40%, PT is doing good in the industry, outperforming 62.96% of the companies in the same industry.
  • In the last couple of years the Gross Margin of PT has grown nicely.
  • PT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 63.4%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.25%
GM growth 5Y9.4%
PT Yearly Profit, Operating, Gross MarginsPT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • PT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PT remains at a similar level compared to 1 year ago.
  • PT has more shares outstanding than it did 5 years ago.
  • PT has a worse debt/assets ratio than last year.
PT Yearly Shares OutstandingPT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
PT Yearly Total Debt VS Total AssetsPT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • Based on the Altman-Z score of -41.76, we must say that PT is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of PT (-41.76) is worse than 72.22% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -41.76
ROIC/WACCN/A
WACC7.38%
PT Yearly LT Debt VS Equity VS FCFPT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

2.3 Liquidity

  • PT has a Current Ratio of 0.18. This is a bad value and indicates that PT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of PT (0.18) is worse than 70.37% of its industry peers.
  • PT has a Quick Ratio of 0.18. This is a bad value and indicates that PT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • PT has a worse Quick ratio (0.18) than 70.37% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
PT Yearly Current Assets VS Current LiabilitesPT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 87.50% over the past year.
  • Looking at the last year, PT shows a small growth in Revenue. The Revenue has grown by 6.06% in the last year.
  • The Revenue for PT have been decreasing by -51.36% on average. This is quite bad
EPS 1Y (TTM)87.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50%
Revenue 1Y (TTM)6.06%
Revenue growth 3Y-41.32%
Revenue growth 5Y-51.36%
Sales Q2Q%0%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PT Yearly Revenue VS EstimatesPT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

More info and screens

Find the best growth stocksShow best growing peers

0

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PT. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
PT Price Earnings VS Forward Price EarningsPT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PT Per share dataPT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -1 -2 -3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • PT does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PINTEC TECHNOLOGY HOLDINGS L

NASDAQ:PT (1/15/2026, 8:09:09 PM)

After market: 1.23 +0.01 (+0.82%)

1.22

+0.25 (+26.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)09-19
Earnings (Next)04-15
Inst Owners1.27%
Inst Owner Change-1.02%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap19.46M
Revenue(TTM)35.00M
Net Income(TTM)-11.91M
Analysts60
Price TargetN/A
Short Float %6.08%
Short Ratio0.38
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.87
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.1
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.32
BVpS-3.73
TBVpS-3.73
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -12.41%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 63.4%
FCFM N/A
ROA(3y)-40.15%
ROA(5y)-32.77%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.25%
GM growth 5Y9.4%
F-ScoreN/A
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.18
Quick Ratio 0.18
Altman-Z -41.76
F-ScoreN/A
WACC7.38%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.54%
Cap/Sales(5y)5.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)87.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.06%
Revenue growth 3Y-41.32%
Revenue growth 5Y-51.36%
Sales Q2Q%0%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y45.69%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-291.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-274.22%
OCF growth 3YN/A
OCF growth 5YN/A

PINTEC TECHNOLOGY HOLDINGS L / PT FAQ

Can you provide the ChartMill fundamental rating for PINTEC TECHNOLOGY HOLDINGS L?

ChartMill assigns a fundamental rating of 1 / 10 to PT.


What is the valuation status of PINTEC TECHNOLOGY HOLDINGS L (PT) stock?

ChartMill assigns a valuation rating of 0 / 10 to PINTEC TECHNOLOGY HOLDINGS L (PT). This can be considered as Overvalued.


Can you provide the profitability details for PINTEC TECHNOLOGY HOLDINGS L?

PINTEC TECHNOLOGY HOLDINGS L (PT) has a profitability rating of 1 / 10.