Pintec Technology Holdings (PT) AI Stock Analysis

• Market Cap: $15.35M
• Dividend Yield: N/A
• Average Volume (3M): 15.22K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.19
• Revenue Growth: -55.14%
• EPS Growth: 77.75%
• Country: US
• Employees: 70
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): -0.37
• Shares Outstanding: 14,492,546
• 10 Day Avg. Volume: 8,746
• 30 Day Avg. Volume: 15,217
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.08
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Pintec Technology Holdings exhibits significant financial challenges, particularly in terms of its income performance and balance sheet, which provide a weak foundation for the stock. Technical indicators offer some neutral to positive signs, but the valuation remains a major concern with a negative P/E ratio. The absence of dividends further impacts its attractiveness. Overall, the stock's performance is hindered primarily by its financial instability and valuation issues.

Positive Factors

AI and Storage Demand

QLC eSSD is expected to gain market share in server storage as AI technologies continue to grow.

Growth Prospects in Cloud Computing

Long-term outlook on cloud computing remains positive, with more Gen-AI applications moving from proof-of-concept to production and increasing use-cases for AI agents.

Tariff Opportunities

There is a potential for positive future tariff carve-outs, which could benefit HDD companies.

Negative Factors

Server Cost Increases

A potential 20% tariff on servers manufactured in Mexico could increase costs for server companies, although these costs might be passed through to customers.

Supply Challenges in Self Storage

Self Storage fundamentals are expected to remain challenged in the near-term with supply headwinds affecting pricing power and a weak housing market impacting demand.

Tariff-Related Uncertainty

New tariff announcements could lead to a similar pattern of customer hesitation and cost optimization in FY25 as experienced in previous fiscal years.

Pintec Technology Holdings Business Overview & Revenue Model

Company Description

Pintec Technology Holdings (PT) is a leading fintech solutions provider based in China, focusing on enabling financial services through technology. The company operates in sectors such as online lending, financial technology solutions, and digital wealth management. Pintec offers a suite of services that include technology-driven financial solutions for financial institutions, e-commerce platforms, and various other entities requiring digital finance capabilities.

How the Company Makes Money

Pintec Technology Holdings generates revenue primarily through its technology solutions tailored for financial institutions and e-commerce platforms. The company earns money by providing customized fintech services that facilitate online lending and digital wealth management. These services include deploying artificial intelligence and big data analytics to streamline the lending process, improve customer acquisition, and enhance risk management for their clients. Additionally, Pintec partners with banks, insurance companies, and other financial entities to integrate its technology solutions, which often results in recurring subscription fees, service fees, and commissions based on the financial products processed or managed through their systems. Significant partnerships with major financial institutions and platforms contribute to its earnings by expanding its market reach and enabling scalable deployment of its fintech solutions.

Pintec Technology Holdings Financial Statement Overview

Summary

Pintec Technology Holdings is facing significant financial challenges across its income statement, balance sheet, and cash flow. The company is struggling with declining revenues, persistent losses, and a highly leveraged balance sheet with negative equity. While there is some improvement in operating cash flows, the overall financial health remains weak, with substantial risks tied to its financial structure and performance.

Income Statement

The company has shown a significant decline in revenue over the years, with a negative revenue growth rate from 2019 to 2023. Gross profit margin has decreased significantly, and the company has struggled with negative net income, resulting in negative net profit margins. The EBIT and EBITDA margins are also negative, indicating ongoing operational challenges. Despite some gross profit, the company's overall income performance is weak.

Balance Sheet

The balance sheet reveals high liabilities relative to assets, with stockholders' equity being negative in recent years. This results in a concerning debt-to-equity ratio, given the negative equity. The equity ratio is also negative due to the negative equity, highlighting significant leverage and potential solvency issues. The company's financial stability is weak, with high risks associated with its current balance sheet structure.

Cash Flow

Cash flow analysis shows some improvement in operating cash flow, but free cash flow has been inconsistent. There is a positive operating cash flow to net income ratio due to reduced net losses, but the free cash flow to net income ratio remains challenging. Although the company has managed to generate some cash from operations, the overall cash flow position is unstable with significant volatility in financing activities.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
52.72M	74.57M	173.24M	378.26M	1.29B
	Gross Profit
14.53M	11.88M	83.52M	92.49M	515.55M
	EBIT
-41.69M	-81.53M	-68.24M	-137.48M	-728.43M
	EBITDA
-88.79M	-164.33M	-55.88M	-206.84M	-873.22M
	Net Income Common Stockholders
-78.76M	-196.56M	-108.82M	-296.14M	-906.49M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
40.55M	257.21M	230.85M	395.73M	194.13M
	Total Assets
113.20M	528.87M	761.23M	978.50M	1.56B
	Total Debt
0.00	349.75M	400.03M	532.84M	802.76M
	Net Debt
-40.51M	100.03M	182.13M	155.68M	700.01M
	Total Liabilities
493.08M	776.01M	826.26M	930.45M	1.20B
	Stockholders Equity
-392.95M	-402.05M	-224.93M	-118.94M	189.53M
Cash Flow		Free Cash Flow
7.88M	-10.55M	-32.36M	-40.84M	165.06M
	Operating Cash Flow
8.61M	-10.52M	-32.18M	56.96M	175.08M
	Investing Cash Flow
35.27M	86.69M	-119.46M	192.62M	-538.70M
	Financing Cash Flow
-257.38M	-57.89M	-132.33M	-286.64M	224.37M

Pintec Technology Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PT, the sentiment is Positive. The current price of 1.01 is above the 20-day moving average (MA) of 1.01, above the 50-day MA of 1.01, and above the 200-day MA of 0.99, indicating a bullish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 51.78 is Neutral, neither overbought nor oversold. The STOCH value of 72.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PT.

Pintec Technology Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	84 Outperform	$504.03M	2.29	17.96%	3.12%	17.07%	-8.81%
QFIN	84 Outperform	$5.04B	6.73	27.18%	3.00%	3.88%	56.29%
FINV	77 Outperform	$2.07B	6.33	16.47%	2.98%	2.51%	7.06%
LX	77 Outperform	$1.19B	8.02	10.77%	1.66%	10.06%	0.04%
JFIN	74 Outperform	$604.57M	4.12	38.42%	7.67%	19.46%	-22.51%
Sector *	63 Neutral	$12.75B	9.36	8.64%	84.32%	13.82%	-3.89%
PT	44 Neutral	$15.35M	―	20.04%	―	-55.14%	77.75%