1.22 USD
+0.25 (+26.1%)
1.23 USD
+0.01 (+0.82%)
PT gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of PT have multiple concerns. PT has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- PT had negative earnings in the past year.
- In the past 5 years PT always reported negative net income.
- The reported operating cash flow has been mixed in the past 5 years: PT reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of -12.41%, PT is doing worse than 90.74% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- PT has a Gross Margin of 63.40%. This is in the better half of the industry: PT outperforms 62.96% 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 Rank | Sector 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%
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.
- PT has a worse debt/assets ratio than last year.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | -41.76 |
ROIC/WACCN/A
WACC7.38%
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.
- PT has a Current ratio of 0.18. This is in the lower half of the industry: PT underperforms 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.
- The Quick ratio of PT (0.18) is worse than 70.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
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.
- Measured over the past years, PT shows a very negative growth in Revenue. The Revenue has been decreasing by -51.36% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for PT. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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.