PINTEC TECHNOLOGY HOLDINGS L (PT) Fundamental Analysis & Valuation

NASDAQ:PT • US72352G2066

Current stock price

1.22 USD
+0.25 (+26.1%)
At close:
1.23 USD
+0.01 (+0.82%)
After Hours:

This PT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. PT Profitability Analysis

1.1 Basic Checks

  • PT had negative earnings in the past year.
  • 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's Return On Assets of -12.41% is on the low side compared to the rest of the industry. PT is outperformed by 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

  • PT has a better Gross Margin (63.40%) than 62.96% of its industry peers.
  • In the last couple of years the Gross Margin of PT has grown nicely.
  • The Profit Margin and Operating Margin are not available for PT so they could not be analyzed.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. PT Health Analysis

2.1 Basic Checks

  • PT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PT has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for PT has been increased compared to 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 -41.76. 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 (-41.76) 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

  • 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 70.37% of the companies in the same industry.
  • 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's Quick ratio of 0.18 is on the low side compared to the rest of the industry. PT is outperformed by 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. PT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 87.50% over the past year.
  • 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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Find the best growth stocksShow best growing peers

0

4. PT Valuation Analysis

4.1 Price/Earnings Ratio

  • PT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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. PT Dividend Analysis

5.1 Amount

  • No dividends for PT!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PT Fundamentals: All Metrics, Ratios and Statistics

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-23%
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 %N/A
Short RatioN/A
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 Fundamental Analysis 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.


What is the profitability of PT stock?

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


How financially healthy is PINTEC TECHNOLOGY HOLDINGS L?

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