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PINTEC TECHNOLOGY HOLDINGS L (PT) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PT - US72352G2066 - ADR

0.9602 USD
-0.01 (-1.19%)
Last: 12/19/2025, 4:30:01 PM
0.9615 USD
+0 (+0.14%)
After Hours: 12/12/2025, 8:00:01 PM
Fundamental Rating

1

Taking everything into account, PT scores 1 out of 10 in our fundamental rating. PT was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of PT have multiple concerns. PT is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

PT had negative earnings in the past year.
PT had negative earnings in each of the past 5 years.
In multiple years PT reported negative operating cash flow during the last 5 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 worse Return On Assets (-12.41%) than 92.73% 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

PT has a Gross Margin of 63.40%. This is in the better half of the industry: PT outperforms 63.64% of its industry peers.
PT's Gross Margin has improved in the last couple of years.
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

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0

2. Health

2.1 Basic Checks

PT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PT has about the same amount of shares outstanding.
PT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PT is higher compared to a year ago.
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

PT has an Altman-Z score of -41.79. This is a bad value and indicates that PT is not financially healthy and even has some risk of bankruptcy.
PT has a Altman-Z score of -41.79. This is in the lower half of the industry: PT underperforms 76.36% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -41.79
ROIC/WACCN/A
WACC8.37%
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

A Current Ratio of 0.18 indicates that PT may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.18, PT is doing worse than 74.55% of the companies in the same industry.
A Quick Ratio of 0.18 indicates that PT may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.18, PT is doing worse than 74.55% of the companies in the same industry.
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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1

3. Growth

3.1 Past

PT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 87.50%, which is quite impressive.
The Revenue has been growing slightly by 6.06% in the past year.
PT shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -51.36% yearly.
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

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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

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0

5. Dividend

5.1 Amount

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

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PINTEC TECHNOLOGY HOLDINGS L

NASDAQ:PT (12/19/2025, 4:30:01 PM)

After market: 0.9615 +0 (+0.14%)

0.9602

-0.01 (-1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)09-19 2025-09-19
Earnings (Next)04-15 2026-04-15
Inst Owners1.15%
Inst Owner Change-68.24%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.31M
Revenue(TTM)35.00M
Net Income(TTM)-11.91M
Analysts60
Price TargetN/A
Short Float %12.11%
Short Ratio0.64
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 3.08
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
SpS0.31
BVpS-3.69
TBVpS-3.69
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 -41.79
F-ScoreN/A
WACC8.37%
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 for 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.


What is the financial health of PINTEC TECHNOLOGY HOLDINGS L (PT) stock?

The financial health rating of PINTEC TECHNOLOGY HOLDINGS L (PT) is 0 / 10.