Pintec Technology Holdings Limited, through with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China.
Adequate balance sheet with weak fundamentals.
Share Price & News
How has Pintec Technology Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PT's share price has been volatile over the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: PT underperformed the US Consumer Finance industry which returned -30.1% over the past year.
Return vs Market: PT underperformed the US Market which returned 4.9% over the past year.
Price Volatility Vs. Market
How volatile is Pintec Technology Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 months ago | Simply Wall StDo Institutions Own Pintec Technology Holdings Limited (NASDAQ:PT) Shares?
7 months ago | Simply Wall StDo Institutions Own Pintec Technology Holdings Limited (NASDAQ:PT) Shares?
10 months ago | Simply Wall StWhat Kind Of Shareholders Own Pintec Technology Holdings Limited (NASDAQ:PT)?
Is Pintec Technology Holdings undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate PT's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate PT's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: PT is unprofitable, so we can't compare its PE Ratio to the Consumer Finance industry average.
PE vs Market: PT is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PT's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PT is overvalued based on its PB Ratio (1.8x) compared to the US Consumer Finance industry average (1x).
How is Pintec Technology Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Pintec Technology Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Pintec Technology Holdings's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Explore growth companies in the Diversified Financials industry.
How has Pintec Technology Holdings performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: PT is currently unprofitable.
Growing Profit Margin: PT is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if PT's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare PT's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PT is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-23.6%).
Return on Equity
High ROE: PT has a negative Return on Equity (-252.7%), as it is currently unprofitable.
How is Pintec Technology Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: PT's short term assets (CN¥1.2B) exceed its short term liabilities (CN¥1.1B).
Long Term Liabilities: PT's short term assets (CN¥1.2B) exceed its long term liabilities (CN¥120.3M).
Debt to Equity History and Analysis
Debt Level: PT's debt to equity ratio (223.8%) is considered high.
Reducing Debt: Insufficient data to determine if PT's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable PT has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: PT is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 80.7% per year.
What is Pintec Technology Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PT's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PT's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PT's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PT's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Allen Dong (43yo)
Mr. Jun Dong, also known as Allen, is the Founder and the Chief Executive Officer of Pintec Holdings Limited (“JIMU”). Mr. Dong has 13 years of financial services and capital market experience. Mr. Dong is ...
|Chairman & Acting CEO||0.83yr||no data||7.58% CN¥3.7m|
|Chief Financial Officer||3.75yrs||no data||no data|
|Investor Relations||no data||no data||no data|
|no data||no data||0.33% CN¥160.0k|
|Chief Strategy Officer||no data||no data||no data|
|Head of International Business||0.75yr||no data||no data|
|Chief Risk Officer||0.42yr||no data||no data|
Experienced Management: PT's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.
|Chairman & Acting CEO||0.83yr||no data||7.58% CN¥3.7m|
|Independent Director||1.75yrs||no data||no data|
|Director||no data||no data||5.01% CN¥2.4m|
|Independent Director||0.92yr||no data||no data|
|Founder||no data||no data||5.2% CN¥2.5m|
|Independent Director||2.17yrs||no data||no data|
|Independent Director||0.17yr||no data||no data|
Experienced Board: PT's board of directors are not considered experienced ( 0.9 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 15.2%.
Pintec Technology Holdings Limited's company bio, employee growth, exchange listings and data sources
- Name: Pintec Technology Holdings Limited
- Ticker: PT
- Exchange: NasdaqGM
- Founded: 2012
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$48.315m
- Shares outstanding: 43.14m
- Website: https://www.pintec.com
Number of Employees
- Pintec Technology Holdings Limited
- Heng An Building
- 9th Floor
- Beijing Province
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PT||NasdaqGM (Nasdaq Global Market)||Yes||SPONSORED ADS||US||USD||Oct 2018|
Pintec Technology Holdings Limited, through with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China. The company connects business partners and financial partners on its platform and enables them to provide financial services to end users. Its technology platform include assistance for borrowers to obtain loans from third party investors and various financial partners; a lending solution for borrowers to originate loans; a lending solution for borrowers who want to finance online purchases; and a wealth management and insurance product distribution solution for asset management and insurance companies to facilitate the sales of products. The company has a strategic business cooperation with Fullerton Credit. The company was founded in 2012 and is headquartered in Beijing, the People's Republic of China.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/05 23:56|
|End of Day Share Price||2020/07/02 00:00|