Loading...

Pintec Technology Holdings

Nasdaq:PT
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PT
Nasdaq
$114M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Pintec Technology Holdings Limited, through with its subsidiaries, engages in the operation of an online technology platform that enables financial services in the People's Republic of China. The last earnings update was 119 days ago. More info.


Add to Portfolio Compare Print
  • Pintec Technology Holdings has significant price volatility in the past 3 months.
PT Share Price and Events
7 Day Returns
-23.4%
NasdaqGM:PT
0.9%
US Consumer Finance
1.1%
US Market
1 Year Returns
-
NasdaqGM:PT
11.2%
US Consumer Finance
4.7%
US Market
PT Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Pintec Technology Holdings (PT) -23.4% -30.9% -63.6% - - -
US Consumer Finance 0.9% 3.8% 7.1% 11.2% 63.2% 32.3%
US Market 1.1% 4.3% 2.9% 4.7% 37.7% 43.6%
1 Year Return vs Industry and Market
  • No trading data on PT.
  • No trading data on PT.
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Pintec Technology Holdings's competitors could be found in our database.

Value

 Is Pintec Technology Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Pintec Technology Holdings to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Pintec Technology Holdings.

NasdaqGM:PT Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= CN¥-37.94 * -7.9%
CN¥3.00
Book Value of Equity per Share Median Book Value from the past 5 years. CN¥-37.94
Discount Rate (Cost of Equity) See below 9.8%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:PT
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.696 (1 + (1- 25%) (117.68%))
1.193
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.19
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.193 * 5.96%)
9.84%

Discounted Cash Flow Calculation for NasdaqGM:PT using Excess Returns Model Model

The calculations below outline how an intrinsic value for Pintec Technology Holdings is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:PT Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (-7.9% – 9.84%) * CN¥-37.94)
CN¥6.73
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= CN¥6.73 / (9.84% - 2.73%)
CN¥94.72
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= CN¥-37.94 + CN¥94.72
CN¥56.78
NasdaqGM:PT Discount to Share Price
Calculation Result
Exchange Rate CNY/USD
(Reporting currency to currency of NasdaqGM:PT)
0.145
Value per Share
(USD)
= Value per Share in CNY x Exchange Rate (CNY/USD)
= CN¥56.78 x 0.145
$8.26
Value per share (USD) From above. $8.26
Current discount Discount to share price of $3.04
= -1 x ($3.04 - $8.26) / $8.26
63.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Pintec Technology Holdings is available for.
Intrinsic value
>50%
Share price is $3.04 vs Future cash flow value of $8.26
Current Discount Checks
For Pintec Technology Holdings to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Pintec Technology Holdings's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Pintec Technology Holdings's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Pintec Technology Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Pintec Technology Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:PT PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in CNY CN¥-4.67
NasdaqGM:PT Share Price ** NasdaqGM (2019-07-16) in USD $3.04
NasdaqGM:PT Share Price converted to CNY reporting currency Exchange rate (USD/ CNY) 6.876 CN¥20.9
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.7x
United States of America Market PE Ratio Median Figure of 3,084 Publicly-Listed Companies 17.98x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Pintec Technology Holdings.

NasdaqGM:PT PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:PT Share Price ÷ EPS (both in CNY)

= 20.9 ÷ -4.67

-4.47x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Pintec Technology Holdings is loss making, we can't compare its value to the US Consumer Finance industry average.
  • Pintec Technology Holdings is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Pintec Technology Holdings's expected growth come at a high price?
Raw Data
NasdaqGM:PT PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -4.47x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Consumer Finance Industry PEG Ratio Median Figure of 23 Publicly-Listed Consumer Finance Companies 0.7x
United States of America Market PEG Ratio Median Figure of 2,125 Publicly-Listed Companies 1.58x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Pintec Technology Holdings, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Pintec Technology Holdings's assets?
Raw Data
NasdaqGM:PT PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in CNY CN¥35.04
NasdaqGM:PT Share Price * NasdaqGM (2019-07-16) in USD $3.04
NasdaqGM:PT Share Price converted to CNY reporting currency Exchange rate (USD/ CNY) 6.876 CN¥20.9
United States of America Consumer Finance Industry PB Ratio Median Figure of 40 Publicly-Listed Consumer Finance Companies 1.39x
United States of America Market PB Ratio Median Figure of 5,240 Publicly-Listed Companies 1.81x
NasdaqGM:PT PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:PT Share Price ÷ Book Value per Share (both in CNY)

= 20.9 ÷ 35.04

0.6x

* Primary Listing of Pintec Technology Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Pintec Technology Holdings is good value based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Pintec Technology Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Pintec Technology Holdings has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

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

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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
5.4%
Expected Consumer Finance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Pintec Technology Holdings expected to grow at an attractive rate?
  • Unable to compare Pintec Technology Holdings's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Pintec Technology Holdings's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare Pintec Technology Holdings's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:PT Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 5.4%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 7.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:PT Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in CNY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:PT Past Financials Data
Date (Data in CNY Millions) Revenue Cash Flow Net Income *
2018-12-31 1,053 -69
2018-09-30 1,047 -72
2018-06-30 972 23 -72
2018-03-31 785 16 -80
2017-12-31 569 197 -130
2016-12-31 55 -123 -242

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Pintec Technology Holdings is high growth as no earnings estimate data is available.
  • Unable to determine if Pintec Technology Holdings is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:PT Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Pintec Technology Holdings Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:PT Past Financials Data
Date (Data in CNY Millions) EPS *
2018-12-31 -4.67
2018-09-30 -5.32
2018-06-30 -5.36
2018-03-31 -6.14
2017-12-31 -10.05
2016-12-31 -19.03

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Pintec Technology Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine whether Pintec Technology Holdings is trading at Pintec Technology Holdings'san attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  2. Pintec Technology Holdings's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  3. Pintec Technology Holdings's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Pintec Technology Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Pintec Technology Holdings has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Pintec Technology Holdings's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Pintec Technology Holdings does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.
  • Unable to compare Pintec Technology Holdings's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Pintec Technology Holdings's 1-year growth to the US Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
Pintec Technology Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Pintec Technology Holdings Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:PT Past Revenue, Cash Flow and Net Income Data
Date (Data in CNY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 1,052.64 -69.42 412.65 94.99
2018-09-30 1,047.02 -72.13 280.23 78.14
2018-06-30 972.34 -71.64 246.46 76.91
2018-03-31 784.54 -80.05 204.82 73.68
2017-12-31 568.72 -130.35 178.40 71.52
2016-12-31 54.87 -242.28 144.86 51.17

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Pintec Technology Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • It is difficult to establish if Pintec Technology Holdings has efficiently used its assets last year compared to the US Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Pintec Technology Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Pintec Technology Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Pintec Technology Holdings has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Pintec Technology Holdings's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Pintec Technology Holdings's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Pintec Technology Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Pintec Technology Holdings's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Pintec Technology Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 2.4x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Pintec Technology Holdings Company Filings, last reported 6 months ago.

NasdaqGM:PT Past Debt and Equity Data
Date (Data in CNY Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 1,062.46 921.46 457.44
2018-09-30 695.85 1,127.31 318.52
2018-06-30 650.44 1,348.80 514.21
2018-03-31 -34.14 1,856.81 282.95
2017-12-31 -62.20 1,964.77 372.89
2016-12-31 -9.21 382.28 27.29
  • Pintec Technology Holdings's level of debt (86.7%) compared to net worth is high (greater than 40%).
  • Unable to establish if Pintec Technology Holdings's debt level has increased without past 5-year debt data.
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.

  • Whilst loss making Pintec Technology Holdings has sufficient cash runway for more than 3 years if it maintains the current positive free cash flow level.
  • Whilst loss making Pintec Technology Holdings has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by -126.8% per year.
X
Financial health checks
We assess Pintec Technology Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Pintec Technology Holdings has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Pintec Technology Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Pintec Technology Holdings dividends.
If you bought $2,000 of Pintec Technology Holdings shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Pintec Technology Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Pintec Technology Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:PT Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 15 Stocks 1.7%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Pintec Technology Holdings has not reported any payouts.
  • Unable to verify if Pintec Technology Holdings's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Pintec Technology Holdings's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Pintec Technology Holdings has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Pintec Technology Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Pintec Technology Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Pintec Technology Holdings has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Pintec Technology Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
William Wei
AGE 44
CEO Bio

Mr. Wei Wei, also known as William, is Founder, Chairman of Board and Chief Executive Officer at Pintec Technology Holdings Limited since its inception. Mr. Wei founded of PINTEC Group in 2012 and serves as its Chief Executive Officer and Director. Mr. Wei is a serial entrepreneur and IT industry veteran with almost two decades of experience. He entered the world of startups after working for leading technology companies including Huawei, Nokia and Philips. In 2006, he founded Innovation Technology Corp (ITC), a telecommunications service provider. Following ITC’s acquisition by Nasdaq-listed VanceInfo, he served as vice president of the mobile technology division. After departing VanceInfo in 2011, he became an active angel investor focused on technology startups. Mr. Wei holds bachelor’s and master's degrees from the Beijing Institute of Technology and an EMBA from the China Europe International Business School (CEIBS).

CEO Compensation
  • Insufficient data for William to compare compensation growth.
  • Insufficient data for William to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Pintec Technology Holdings management team in years:

2.8
Average Tenure
41
Average Age
  • The tenure for the Pintec Technology Holdings management team is about average.
Management Team

William Wei

TITLE
Founder
AGE
44

Jing Zhou

TITLE
President
AGE
42
TENURE
1.5 yrs

Steven Sim

TITLE
Chief Financial Officer
AGE
42
TENURE
2.8 yrs

Ran Ren

TITLE
Chief Scientist
AGE
34
TENURE
1.5 yrs

Ziwei Zhang

TITLE
Chief Marketing Officer
AGE
35
TENURE
4.3 yrs

Hai Tong

TITLE
Chief Risk Officer
AGE
40
TENURE
4.1 yrs

Chen Bingqing

TITLE
Chief Strategy Officer
Board of Directors Tenure

Average tenure and age of the Pintec Technology Holdings board of directors in years:

1.2
Average Tenure
43
Average Age
  • The average tenure for the Pintec Technology Holdings board of directors is less than 3 years, this suggests a new board.
Board of Directors

Chao Zhou

TITLE
Independent Director
AGE
43
TENURE
1.2 yrs

William Wei

TITLE
Founder
AGE
44

Peter Zhuo

TITLE
Independent Director
AGE
47
TENURE
0.8 yrs

Allen Dong

TITLE
Director
AGE
42

Denise Peng

TITLE
Director
AGE
47

Feng Hong

TITLE
Independent Director
AGE
42
TENURE
1.6 yrs

Jiacheng Liu

TITLE
Independent Director
AGE
33
TENURE
1.2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Pintec Technology Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Pintec Technology Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

What Kind Of Shareholder Appears On The Pintec Technology Holdings Limited's (NASDAQ:PT) Shareholder Register?

If you want to know who really controls Pintec Technology Holdings Limited (NASDAQ:PT), then you'll have to look at the makeup of its share registry. … With a market capitalization of US$412m, Pintec Technology Holdings is a small cap stock, so it might not be well known by many institutional investors. … Check out our latest analysis for Pintec Technology Holdings

Simply Wall St -

Company Info

Description

Pintec Technology Holdings Limited, through with its subsidiaries, engages in the operation of 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 open platform and enables them to provide financial services to end users. Its technology platform include a lending solution for borrowers to originate loans; a lending solution for borrowers who want to finance online purchases; and a wealth management solution for asset management companies and insurance companies to facilitate the sales of products. Pintec Technology Holdings Limited has a strategic cooperation agreement with China National Investment & Guaranty Corporation to develop digital lending technologies in China; a strategic partnership with Best Wonder Co. Ltd. to develop digital lending solutions to support small and micro-sized enterprises; and a partnership with China UnionPay Merchant Services Co., Ltd. to develop customized digital lending solutions to serve small and micro-sized enterprises. The company was incorporated in 2017 and is headquartered in Beijing, the People's Republic of China.

Details
Name: Pintec Technology Holdings Limited
PT
Exchange: NasdaqGM
Founded: 2017
$113,875,341
37,458,994
Website: http://www.pintec.com
Address: Pintec Technology Holdings Limited
No.A2 Gongti North Road,
Suite 216, 2nd Floor,
Beijing,
China
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM PT SPONSORED ADS Nasdaq Global Market US USD 25. Oct 2018
Number of employees
Current staff
Staff numbers
449
Pintec Technology Holdings employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/17 01:09
End of day share price update: 2019/07/16 00:00
Last earnings filing: 2019/03/20
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.