NasdaqGM:PT

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Executive Summary

Pintec Technology Holdings Limited, through with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China.


Snowflake Analysis

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.


Market Performance


7 Day Return

-6.7%

PT

1.6%

US Consumer Finance

4.0%

US Market


1 Year Return

-65.5%

PT

-30.1%

US Consumer Finance

5.0%

US Market

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.


Shareholder returns

PTIndustryMarket
7 Day-6.7%1.6%4.0%
30 Day30.2%-14.5%-1.1%
90 Day-18.8%24.7%21.1%
1 Year-65.5%-65.5%-28.6%-30.1%7.2%5.0%
3 Yearn/a0.4%-4.6%36.0%27.1%
5 Yearn/a0.6%-7.3%65.3%46.9%

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

Valuation

Is Pintec Technology Holdings undervalued compared to its fair value and its price relative to the market?

1.76x

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).


Next Steps

Future Growth

How is Pintec Technology Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

50.9%

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.


Next Steps

Past Performance

How has Pintec Technology Holdings performed over the past 5 years?

-1114.4%

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.


Next Steps

Financial Health

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.


Balance Sheet


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.


Next Steps

Dividend

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.8yrs

Average management tenure


CEO

Allen Dong (43yo)

0.83

Tenure

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 ...


Leadership Team

NamePositionTenureCompensationOwnership
Jun Dong
Chairman & Acting CEO0.83yrno data7.58% CN¥3.7m
Yuan Ning Sim
Chief Financial Officer3.75yrsno datano data
Joyce Tang
Investor Relationsno datano datano data
Jing Zhou
no datano data0.33% CN¥160.0k
Chen Bingqing
Chief Strategy Officerno datano datano data
Victor Li
Head of International Business0.75yrno datano data
Hefei Xu
Chief Risk Officer0.42yrno datano data

0.8yrs

Average Tenure

43yo

Average Age

Experienced Management: PT's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Jun Dong
Chairman & Acting CEO0.83yrno data7.58% CN¥3.7m
Jimin Zhuo
Independent Director1.75yrsno datano data
Xiaomei Peng
Directorno datano data5.01% CN¥2.4m
Yong Chen
Independent Director0.92yrno datano data
Wei Wei
Founderno datano data5.2% CN¥2.5m
Jiacheng Liu
Independent Director2.17yrsno datano data
Zehua Shi
Independent Director0.17yrno datano data

0.9yrs

Average Tenure

45yo

Average Age

Experienced Board: PT's board of directors are not considered experienced ( 0.9 years average tenure), which suggests a new board.


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 15.2%.


Top Shareholders

Company Information

Pintec Technology Holdings Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Pintec Technology Holdings Limited
  • Heng An Building
  • 9th Floor
  • Beijing
  • Beijing Province
  • China

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PTNasdaqGM (Nasdaq Global Market)YesSPONSORED ADSUSUSDOct 2018

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/05 23:56
End of Day Share Price2020/07/02 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.