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PINTEC TECHNOLOGY HOLDINGS L (PT) Stock Fundamental Analysis

NASDAQ:PT - Nasdaq - US72352G2066 - ADR - Currency: USD

0.91  -0.04 (-3.91%)

Fundamental Rating

0

Taking everything into account, PT scores 0 out of 10 in our fundamental rating. PT was compared to 52 industry peers in the Consumer Finance industry. PT has a bad profitability rating. Also its financial health evaluation is rather negative. PT has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

PT had negative earnings in the past year.
PT had a negative operating cash flow 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

Looking at the Return On Assets, with a value of -15.01%, PT is doing worse than 92.31% of the companies in the same industry.
Industry RankSector Rank
ROA -15.01%
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

The Gross Margin of PT (63.31%) is better than 63.46% 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 63.31%
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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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.
Compared to 1 year ago, PT has a worse debt to assets ratio.
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 -38.83. This is a bad value and indicates that PT is not financially healthy and even has some risk of bankruptcy.
PT has a worse Altman-Z score (-38.83) than 78.85% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -38.83
ROIC/WACCN/A
WACC7.51%
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 0.19 indicates that PT may have some problems paying its short term obligations.
PT has a worse Current ratio (0.19) than 76.92% of its industry peers.
PT has a Quick Ratio of 0.19. This is a bad value and indicates that PT is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.19, PT is doing worse than 76.92% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.19
Quick Ratio 0.19
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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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 very negative growth in Revenue. The Revenue has decreased by -34.07% in the last 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%92.86%
Revenue 1Y (TTM)-34.07%
Revenue growth 3Y-41.32%
Revenue growth 5Y-51.36%
Sales Q2Q%11.11%

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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5. Dividend

5.1 Amount

No dividends for PT!.
Industry RankSector Rank
Dividend Yield N/A

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PINTEC TECHNOLOGY HOLDINGS L

NASDAQ:PT (6/4/2025, 8:00:01 PM)

0.91

-0.04 (-3.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-07 2024-03-07
Earnings (Next)N/A N/A
Inst Owners3.72%
Inst Owner Change16.91%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.51M
Analysts60
Price TargetN/A
Short Float %0.29%
Short Ratio0.08
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 2.98
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.15
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.13
FCFYN/A
OCF(TTM)-0.13
OCFYN/A
SpS0.31
BVpS-3.57
TBVpS-3.57
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -15.01%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 63.31%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 11.69%
Cap/Sales 0.26%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.19
Quick Ratio 0.19
Altman-Z -38.83
F-Score4
WACC7.51%
ROIC/WACCN/A
Cap/Depr(3y)16.77%
Cap/Depr(5y)139.07%
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%92.86%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-34.07%
Revenue growth 3Y-41.32%
Revenue growth 5Y-51.36%
Sales Q2Q%11.11%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y53.04%
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