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

USA - NASDAQ:SDA - KYG857271087 - Common Stock

2.12 USD
+0.22 (+11.58%)
Last: 10/17/2025, 11:13:21 AM
Fundamental Rating

2

Overall SDA gets a fundamental rating of 2 out of 10. We evaluated SDA against 75 industry peers in the Diversified Consumer Services industry. Both the profitability and financial health of SDA have multiple concerns. SDA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

SDA had negative earnings in the past year.
SDA had negative earnings in each of the past 5 years.
In multiple years SDA reported negative operating cash flow during the last 5 years.
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 2024 0 -20M -40M -60M

1.2 Ratios

Looking at the Return On Assets, with a value of -26.05%, SDA is doing worse than 69.33% of the companies in the same industry.
Looking at the Return On Equity, with a value of -206.99%, SDA is doing worse than 78.67% of the companies in the same industry.
Industry RankSector Rank
ROA -26.05%
ROE -206.99%
ROIC N/A
ROA(3y)-14.46%
ROA(5y)-3260.89%
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 2024 0 50K 100K

1.3 Margins

With a Gross Margin value of 49.57%, SDA perfoms like the industry average, outperforming 52.00% of the companies in the same industry.
SDA's Gross Margin has improved in the last couple of years.
SDA 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 49.57%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.6%
GM growth 5YN/A
SDA Yearly Profit, Operating, Gross MarginsSDA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 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.
SDA has more shares outstanding than it did 1 year ago.
SDA has a better debt/assets ratio than last year.
SDA Yearly Shares OutstandingSDA Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 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 2024 50M 100M 150M 200M

2.2 Solvency

SDA has an Altman-Z score of 0.97. This is a bad value and indicates that SDA is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.97, SDA perfoms like the industry average, outperforming 50.67% of the companies in the same industry.
A Debt/Equity ratio of 2.42 is on the high side and indicates that SDA has dependencies on debt financing.
The Debt to Equity ratio of SDA (2.42) is worse than 73.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.42
Debt/FCF N/A
Altman-Z 0.97
ROIC/WACCN/A
WACC6.69%
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 2024 0 10M -10M -20M -30M

2.3 Liquidity

A Current Ratio of 1.35 indicates that SDA should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.35, SDA is in line with its industry, outperforming 57.33% of the companies in the same industry.
A Quick Ratio of 1.35 indicates that SDA should not have too much problems paying its short term obligations.
SDA has a Quick ratio (1.35) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.35
Quick Ratio 1.35
SDA Yearly Current Assets VS Current LiabilitesSDA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 50M 100M 150M

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4

3. Growth

3.1 Past

The earnings per share for SDA have decreased strongly by -127.08% in the last year.
Looking at the last year, SDA shows a very strong growth in Revenue. The Revenue has grown by 21.49%.
SDA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.04% yearly.
EPS 1Y (TTM)-127.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)21.49%
Revenue growth 3Y21.04%
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

The Earnings Per Share is expected to grow by 45.59% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -85.17% on average over the next years. This is quite bad
EPS Next Y126.44%
EPS Next 2Y69.85%
EPS Next 3Y45.59%
EPS Next 5YN/A
Revenue Next Year-99.77%
Revenue Next 2Y-94.74%
Revenue Next 3Y-85.17%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less 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
SDA Yearly EPS VS EstimatesSDA Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0 0.2 -0.2

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4

4. Valuation

4.1 Price/Earnings Ratio

SDA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 8.18, the valuation of SDA can be described as reasonable.
SDA's Price/Forward Earnings ratio is rather cheap when compared to the industry. SDA is cheaper than 96.00% of the companies in the same industry.
SDA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.85, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 8.18
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 2 4

4.3 Compensation for Growth

SDA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SDA's earnings are expected to grow with 45.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y69.85%
EPS Next 3Y45.59%

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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 (10/17/2025, 11:13:21 AM)

2.12

+0.22 (+11.58%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)05-19 2025-05-19
Earnings (Next)10-22 2025-10-22
Inst Owners2.33%
Inst Owner Change0%
Ins Owners2.86%
Ins Owner ChangeN/A
Market Cap217.60M
Analysts86.67
Price Target9.35 (341.04%)
Short Float %0.41%
Short Ratio1.89
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.18
P/S 0.4
P/FCF N/A
P/OCF N/A
P/B 6.25
P/tB 6.25
EV/EBITDA N/A
EPS(TTM)-0.76
EYN/A
EPS(NY)0.26
Fwd EY12.23%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.3
BVpS0.34
TBVpS0.34
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -26.05%
ROE -206.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 49.57%
FCFM N/A
ROA(3y)-14.46%
ROA(5y)-3260.89%
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 3Y9.6%
GM growth 5YN/A
F-ScoreN/A
Asset Turnover1.97
Health
Industry RankSector Rank
Debt/Equity 2.42
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 1.35
Quick Ratio 1.35
Altman-Z 0.97
F-ScoreN/A
WACC6.69%
ROIC/WACCN/A
Cap/Depr(3y)62.9%
Cap/Depr(5y)161.93%
Cap/Sales(3y)1.01%
Cap/Sales(5y)1.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-127.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y126.44%
EPS Next 2Y69.85%
EPS Next 3Y45.59%
EPS Next 5YN/A
Revenue 1Y (TTM)21.49%
Revenue growth 3Y21.04%
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-99.77%
Revenue Next 2Y-94.74%
Revenue Next 3Y-85.17%
Revenue Next 5YN/A
EBIT growth 1Y-277.46%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year129.07%
EBIT Next 3Y40.49%
EBIT Next 5YN/A
FCF growth 1Y134.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y142.82%
OCF growth 3YN/A
OCF growth 5YN/A