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

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

2.25  -0.05 (-2.17%)

After market: 2.25 0 (0%)

Fundamental Rating

3

SDA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 72 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 not valued too expensively and it also shows 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.
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

With a Return On Assets value of -27.83%, SDA is not doing good in the industry: 70.83% of the companies in the same industry are doing better.
The Return On Equity of SDA (-577.39%) is worse than 79.17% 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

Looking at the Gross Margin, with a value of 48.82%, SDA is in line with its industry, outperforming 55.56% 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 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

Based on the Altman-Z score of 0.68, we must say that SDA is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.68, SDA perfoms like the industry average, outperforming 47.22% of the companies in the same industry.
The Debt to FCF ratio of SDA is 7.43, which is on the high side as it means it would take SDA, 7.43 years of fcf income to pay off all of its debts.
SDA's Debt to FCF ratio of 7.43 is fine compared to the rest of the industry. SDA outperforms 66.67% of its industry peers.
A Debt/Equity ratio of 7.03 is on the high side and indicates that SDA has dependencies on debt financing.
With a Debt to Equity ratio value of 7.03, SDA is not doing good in the industry: 80.56% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 7.03
Debt/FCF 7.43
Altman-Z 0.68
ROIC/WACCN/A
WACC7.03%
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 1.25 indicates that SDA should not have too much problems paying its short term obligations.
SDA has a Current ratio of 1.25. This is comparable to the rest of the industry: SDA outperforms 52.78% of its industry peers.
A Quick Ratio of 1.25 indicates that SDA should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.25, SDA perfoms like the industry average, outperforming 54.17% of the companies in the same 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

SDA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -127.08%.
The Revenue has grown by 21.49% in the past year. This is a very strong growth!
Measured over the past years, SDA shows a very strong growth in Revenue. The Revenue has been growing by 21.04% on average per year.
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

Based on estimates for the next years, SDA will show a very strong growth in Earnings Per Share. The EPS will grow by 45.59% on average per year.
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

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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4

4. Valuation

4.1 Price/Earnings Ratio

SDA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 29.06, which means the current valuation is very expensive for SDA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SDA is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of SDA to the average of the S&P500 Index (37.78), we can say SDA is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 29.06
SDA Price Earnings VS Forward Price EarningsSDA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

72.22% of the companies in the same industry are more expensive than SDA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.52
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.
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 (7/28/2025, 8:00:02 PM)

After market: 2.25 0 (0%)

2.25

-0.05 (-2.17%)

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 Change0%
Ins Owners2.86%
Ins Owner ChangeN/A
Market Cap230.94M
Analysts86.67
Price Target9.35 (315.56%)
Short Float %0.49%
Short Ratio1.83
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)-42.71%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)35.29%
EPS NY rev (3m)-68.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-99.81%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 29.06
P/S 0.52
P/FCF 20.52
P/OCF 19.5
P/B 19.42
P/tB 19.42
EV/EBITDA N/A
EPS(TTM)-0.72
EYN/A
EPS(NY)0.08
Fwd EY3.44%
FCF(TTM)0.11
FCFY4.87%
OCF(TTM)0.12
OCFY5.13%
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 0.68
F-Score4
WACC7.03%
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 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%-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