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

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

2.54  +0.04 (+1.6%)

After market: 2.61 +0.07 (+2.76%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to SDA. SDA was compared to 71 industry peers in the Diversified Consumer Services industry. SDA may be in some trouble as it scores bad on both profitability and health. SDA is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

SDA had negative earnings in the past year.
In the past year SDA had a positive cash flow from operations.
In the past 5 years SDA always reported negative net income.
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

The Return On Assets of SDA (-27.83%) is worse than 70.42% of its industry peers.
SDA has a Return On Equity of -577.39%. This is amonst the worse of the industry: SDA underperforms 80.28% of its industry peers.
Industry RankSector Rank
ROA -27.83%
ROE -577.39%
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

The Gross Margin of SDA (48.82%) is comparable to the rest of the industry.
SDA's Gross Margin has improved 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 48.82%
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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3

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 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 0.76. This is a bad value and indicates that SDA is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.76, SDA is in line with its industry, outperforming 46.48% of the companies in the same industry.
SDA has a debt to FCF ratio of 7.43. This is a slightly negative value and a sign of low solvency as SDA would need 7.43 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 7.43, SDA is doing good in the industry, outperforming 66.20% of the companies in the same industry.
A Debt/Equity ratio of 7.03 is on the high side and indicates that SDA has dependencies on debt financing.
The Debt to Equity ratio of SDA (7.03) is worse than 81.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.03
Debt/FCF 7.43
Altman-Z 0.76
ROIC/WACCN/A
WACC7.11%
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

SDA has a Current Ratio of 1.25. This is a normal value and indicates that SDA is financially healthy and should not expect problems in meeting its short term obligations.
SDA has a Current ratio (1.25) which is in line with its industry peers.
A Quick Ratio of 1.25 indicates that SDA should not have too much problems paying its short term obligations.
The Quick ratio of SDA (1.25) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.25
Quick Ratio 1.25
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.
The Revenue has grown by 21.49% in the past year. This is a very strong growth!
The Revenue has been growing by 21.04% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-127.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%87.37%
Revenue 1Y (TTM)21.49%
Revenue growth 3Y21.04%
Revenue growth 5YN/A
Sales Q2Q%-64.48%

3.2 Future

The Earnings Per Share is expected to grow by 45.32% 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 Y119.54%
EPS Next 2Y67.81%
EPS Next 3Y45.32%
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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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3

4. Valuation

4.1 Price/Earnings Ratio

SDA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 44.38, SDA can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SDA is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.90. SDA is valued rather expensively when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 44.38
SDA Price Earnings VS Forward Price EarningsSDA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SDA is valued a bit cheaper than 70.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.17
EV/EBITDA N/A
SDA Per share dataSDA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SDA's earnings are expected to grow with 45.32% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y67.81%
EPS Next 3Y45.32%

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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 (7/3/2025, 8:08:26 PM)

After market: 2.61 +0.07 (+2.76%)

2.54

+0.04 (+1.6%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)05-19 2025-05-19
Earnings (Next)09-15 2025-09-15
Inst Owners4.75%
Inst Owner Change836.28%
Ins Owners2.86%
Ins Owner ChangeN/A
Market Cap260.71M
Analysts84
Price Target9.35 (268.11%)
Short Float %0.57%
Short Ratio1.84
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)-26.67%
PT rev (3m)-42.71%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)13.34%
EPS NY rev (3m)-80.12%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-99.8%
Revenue NY rev (3m)-99.81%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 44.38
P/S 0.59
P/FCF 23.17
P/OCF 22.02
P/B 21.92
P/tB 21.92
EV/EBITDA N/A
EPS(TTM)-0.72
EYN/A
EPS(NY)0.06
Fwd EY2.25%
FCF(TTM)0.11
FCFY4.32%
OCF(TTM)0.12
OCFY4.54%
SpS4.31
BVpS0.12
TBVpS0.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -27.83%
ROE -577.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 48.82%
FCFM 2.55%
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-Score4
Asset Turnover1.79
Health
Industry RankSector Rank
Debt/Equity 7.03
Debt/FCF 7.43
Debt/EBITDA N/A
Cap/Depr 11.14%
Cap/Sales 0.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.25
Quick Ratio 1.25
Altman-Z 0.76
F-Score4
WACC7.11%
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%87.37%
EPS Next Y119.54%
EPS Next 2Y67.81%
EPS Next 3Y45.32%
EPS Next 5YN/A
Revenue 1Y (TTM)21.49%
Revenue growth 3Y21.04%
Revenue growth 5YN/A
Sales Q2Q%-64.48%
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 Year139.04%
EBIT Next 3Y49.7%
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