NasdaqGM:PT

Stock Analysis Report

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Market Cap

US$45.5m

Last Updated

2021/07/24 23:24 UTC

Data Sources

Company Financials

Executive Summary

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


Snowflake Analysis

Mediocre 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 is more volatile than 90% of US stocks over the past 3 months, typically moving +/- 17% a week.

Volatility Over Time: PT's weekly volatility (17%) has been stable over the past year, but is still higher than 75% of US stocks.


Market Performance


7 Day Return

-4.5%

PT

0.4%

US Consumer Finance

2.0%

US Market


1 Year Return

-7.3%

PT

92.1%

US Consumer Finance

39.1%

US Market

Return vs Industry: PT underperformed the US Consumer Finance industry which returned 92.1% over the past year.

Return vs Market: PT underperformed the US Market which returned 39.1% over the past year.


Shareholder returns

PTIndustryMarket
7 Day-4.5%0.4%2.0%
30 Day12.9%-3.8%1.6%
90 Day20.5%10.0%3.5%
1 Year-7.3%-7.3%95.8%92.1%41.3%39.1%
3 Yearn/a63.4%54.8%64.0%53.8%
5 Yearn/a155.4%133.7%123.9%99.0%

Long-Term 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?


In this section, we usually try to help investors determine whether Pintec Technology Holdings is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Pintec Technology Holdings has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Future Growth

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

-0.5%

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.


Past Performance

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

-64.3%

Historical annual 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: PT is unprofitable, and losses have increased over the past 5 years at a rate of 64.3% per year.

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 (113.6%).


Return on Equity

High ROE: PT has a negative Return on Equity (-616.32%), as it is currently unprofitable.


Financial Health

How is Pintec Technology Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: PT's short term assets (CN¥720.9M) exceed its short term liabilities (CN¥521.6M).

Long Term Liabilities: PT's short term assets (CN¥720.9M) exceed its long term liabilities (CN¥408.8M).


Debt to Equity History and Analysis

Debt Level: PT's debt to equity ratio (1108.9%) 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: PT has sufficient cash runway for more than 3 years based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if PT has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


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?

1.4yrs

Average management tenure


CEO

Victor Li (48 yo)

0.92

Tenure

Dr. Huike Li, also known as Victor, has been Chief Executive Officer and Director of Pintec Technology Holdings Limited since August 3, 2020. Dr. Li served as Head of International Business at Pintec Techn...


Leadership Team

Experienced Management: PT's management team is not considered experienced ( 1.4 years average tenure), which suggests a new team.


Board Members

Experienced Board: PT's board of directors are not considered experienced ( 1.5 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 not been meaningfully diluted in the past year.


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$45.503m
  • Shares outstanding: 43.34m
  • Website: https://www.pintec.com

Number of Employees


Location

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

Listings


Biography

Pintec Technology Holdings Limited, together with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China. The company connects business p...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/07/24 23:24
End of Day Share Price2021/07/23 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.