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SUNCAR TECHNOLOGY GROUP IN-A (SDA) Stock Fundamental Analysis

NASDAQ:SDA - Nasdaq - KYG857271087 - Common Stock - Currency: USD

2.6  -0.26 (-9.09%)

After market: 2.75 +0.15 (+5.77%)

Fundamental Rating

3

Taking everything into account, SDA scores 3 out of 10 in our fundamental rating. SDA was compared to 73 industry peers in the Diversified Consumer Services industry. Both the profitability and financial health of SDA have multiple concerns. SDA is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year SDA has reported negative net income.
SDA had a negative operating cash flow in the past year.
SDA Yearly Net Income VS EBIT VS OCF VS FCFSDA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 0 10M -10M -20M -30M

1.2 Ratios

Looking at the Return On Assets, with a value of -10.68%, SDA is in line with its industry, outperforming 45.21% of the companies in the same industry.
With a Return On Equity value of -151.83%, SDA is not doing good in the industry: 68.49% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -10.68%
ROE -151.83%
ROIC N/A
ROA(3y)-8.87%
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SDA Yearly ROA, ROE, ROICSDA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 50K 100K

1.3 Margins

SDA's Gross Margin of 42.39% is in line compared to the rest of the industry. SDA outperforms 47.95% of its industry peers.
SDA's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for SDA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 42.39%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.82%
GM growth 5YN/A
SDA Yearly Profit, Operating, Gross MarginsSDA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 0 10 20 30 40

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2

2. Health

2.1 Basic Checks

SDA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SDA has been increased compared to 1 year ago.
Compared to 1 year ago, SDA has an improved debt to assets ratio.
SDA Yearly Shares OutstandingSDA Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 20M 40M 60M 80M
SDA Yearly Total Debt VS Total AssetsSDA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 50M 100M 150M 200M

2.2 Solvency

Based on the Altman-Z score of 1.11, we must say that SDA is in the distress zone and has some risk of bankruptcy.
SDA has a Altman-Z score of 1.11. This is comparable to the rest of the industry: SDA outperforms 53.42% of its industry peers.
SDA has a Debt/Equity ratio of 4.70. This is a high value indicating a heavy dependency on external financing.
SDA's Debt to Equity ratio of 4.70 is on the low side compared to the rest of the industry. SDA is outperformed by 75.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.7
Debt/FCF N/A
Altman-Z 1.11
ROIC/WACCN/A
WACC7.34%
SDA Yearly LT Debt VS Equity VS FCFSDA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 10M -10M -20M -30M

2.3 Liquidity

A Current Ratio of 1.29 indicates that SDA should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.29, SDA is in line with its industry, outperforming 57.53% of the companies in the same industry.
A Quick Ratio of 1.29 indicates that SDA should not have too much problems paying its short term obligations.
SDA has a Quick ratio (1.29) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
SDA Yearly Current Assets VS Current LiabilitesSDA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 50M 100M 150M

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6

3. Growth

3.1 Past

SDA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -350.00%.
SDA shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.81%.
SDA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.04% yearly.
EPS 1Y (TTM)-350%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%5.29%
Revenue 1Y (TTM)28.81%
Revenue growth 3Y15.04%
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

The Earnings Per Share is expected to grow by 39.87% on average over the next years. This is a very strong growth
SDA is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 28.21% yearly.
EPS Next Y7.02%
EPS Next 2Y66.9%
EPS Next 3Y38.23%
EPS Next 5Y39.87%
Revenue Next Year63167.8%
Revenue Next 2Y2716.3%
Revenue Next 3Y27.13%
Revenue Next 5Y28.21%

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SDA Yearly Revenue VS EstimatesSDA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 50B 100B 150B 200B 250B
SDA Yearly EPS VS EstimatesSDA Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0 0.2 -0.2 0.4

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SDA. In the last year negative earnings were reported.
SDA is valuated reasonably with a Price/Forward Earnings ratio of 10.51.
SDA's Price/Forward Earnings ratio is rather cheap when compared to the industry. SDA is cheaper than 91.78% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SDA to the average of the S&P500 Index (21.38), we can say SDA is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 10.51
SDA Price Earnings VS Forward Price EarningsSDA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

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

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
SDA's earnings are expected to grow with 38.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y66.9%
EPS Next 3Y38.23%

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0

5. Dividend

5.1 Amount

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

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SUNCAR TECHNOLOGY GROUP IN-A

NASDAQ:SDA (4/28/2025, 8:00:02 PM)

After market: 2.75 +0.15 (+5.77%)

2.6

-0.26 (-9.09%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)04-28 2025-04-28
Earnings (Next)N/A N/A
Inst Owners0.5%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap282.41M
Analysts84
Price Target16.32 (527.69%)
Short Float %0.54%
Short Ratio0.88
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)0%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)9.38%
EPS NY rev (3m)-363.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)49949.8%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.51
P/S 0.78
P/FCF N/A
P/OCF N/A
P/B 15.93
P/tB 15.93
EV/EBITDA N/A
EPS(TTM)-0.31
EYN/A
EPS(NY)0.25
Fwd EY9.52%
FCF(TTM)-0.29
FCFYN/A
OCF(TTM)-0.24
OCFYN/A
SpS3.35
BVpS0.16
TBVpS0.16
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -10.68%
ROE -151.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 42.39%
FCFM N/A
ROA(3y)-8.87%
ROA(5y)N/A
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 3Y-1.82%
GM growth 5YN/A
F-Score5
Asset Turnover1.44
Health
Industry RankSector Rank
Debt/Equity 4.7
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 1.29
Quick Ratio 1.29
Altman-Z 1.11
F-Score5
WACC7.34%
ROIC/WACCN/A
Cap/Depr(3y)69.69%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.14%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-350%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%5.29%
EPS Next Y7.02%
EPS Next 2Y66.9%
EPS Next 3Y38.23%
EPS Next 5Y39.87%
Revenue 1Y (TTM)28.81%
Revenue growth 3Y15.04%
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year63167.8%
Revenue Next 2Y2716.3%
Revenue Next 3Y27.13%
Revenue Next 5Y28.21%
EBIT growth 1Y-22.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year82398.5%
EBIT Next 3Y72.06%
EBIT Next 5Y69.38%
FCF growth 1Y-2799.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2292.72%
OCF growth 3YN/A
OCF growth 5YN/A