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Upturn AI SWOT - About
PT 
Pintec Technology Holdings Ltd (PT)
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Upturn Advisory Summary
04/11/2025: PT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -65.47% | Avg. Invested days 21 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 14.62M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 14770 | Beta 0.58 | 52 Weeks Range 0.71 - 1.19 | Updated Date 04/13/2025 |
52 Weeks Range 0.71 - 1.19 | Updated Date 04/13/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -130.06% | Operating Margin (TTM) -50.98% |
Management Effectiveness
Return on Assets (TTM) -10.88% | Return on Equity (TTM) -170.16% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 27209505 | Price to Sales(TTM) 0.45 |
Enterprise Value 27209505 | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 6.14 | Enterprise Value to EBITDA -0.06 | Shares Outstanding 14392800 | Shares Floating 264574705 |
Shares Outstanding 14392800 | Shares Floating 264574705 | ||
Percent Insiders 3.39 | Percent Institutions 3.72 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pintec Technology Holdings Ltd
Company Overview
History and Background
Pintec Technology Holdings Ltd (PT) was founded in 2012 and went public in 2018. It has transitioned from a fintech solutions provider to a holding company model, facing challenges in regulatory compliance and business sustainability.
Core Business Areas
- Technology Solutions: PT was involved in providing solutions for financial institutions. However, business operations have decreased significantly
- Online Consumer Finance: This segment facilitated loan origination and investment services. Limited scale following business adjustments and regulatory changes.
Leadership and Structure
Information on the current leadership structure is limited due to the company's delisting from the Nasdaq. Prior to delisting, the leadership team consisted of executive directors and a management team focusing on technology and business development.
Top Products and Market Share
Key Offerings
- Credit Solutions: These solutions provided automated credit assessment and loan origination. Market share information is limited due to its small market capitalization. Key competitors included fintech companies providing similar services like LendingClub and Upstart.
- Wealth Management Solutions: Solutions focused on robo-advisory and asset allocation. Market share information unavailable. Larger firms like Betterment and Wealthfront are main competitors.
Market Dynamics
Industry Overview
The fintech industry is highly competitive and heavily regulated, especially in areas of online lending and wealth management. It is characterized by rapid technological innovation and evolving regulatory landscapes.
Positioning
Pintecu2019s positioning was challenging due to regulatory pressures and its inability to scale effectively against larger, more established competitors.
Total Addressable Market (TAM)
The fintech TAM is very large. Pintec's TAM share position was small relative to global fintech companies.
Upturn SWOT Analysis
Strengths
- Technological expertise in specific areas
- Partnerships with financial institutions (historically)
Weaknesses
- Limited scale and market share
- Regulatory compliance issues
- Financial instability
- Delisting from Nasdaq
Opportunities
- Partnerships in developing markets
- Innovation in niche fintech areas
- Restructuring efforts
Threats
- Intense competition in the fintech industry
- Stringent regulatory environment
- Economic downturns impacting lending
- Technological disruption
Competitors and Market Share
Key Competitors
- LC
- UPST
- SOFI
Competitive Landscape
Pintec faced significant disadvantages compared to larger, more established competitors with greater resources and brand recognition. The delisting is a big disadvantage for Pintec.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth has been inconsistent with periods of rapid expansion followed by significant declines.
Future Projections: Future projections are uncertain due to the company's current financial situation and delisting.
Recent Initiatives: Recent initiatives focused on restructuring and cost-cutting measures to attempt to improve its outlook. However, it is uncertain.
Summary
Pintec has faced significant challenges, including regulatory compliance issues, financial instability, and eventual delisting from Nasdaq. Its historical growth has been inconsistent, and future projections are uncertain due to these issues. The company struggles with its competition. Its competitive landscape is marked by strong rivals with greater resources, making it difficult for Pintec to maintain a significant market share.
Similar Companies
LC
LendingClub Corp
LC
LendingClub Corp
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
UPST
Upstart Holdings Inc
UPST
Upstart Holdings Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Market analysis reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. The financial data and market share estimates should be independently verified.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pintec Technology Holdings Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2018-10-25 | CEO & Director Mr. Zexiong Huang | ||
Sector Financial Services | Industry Credit Services | Full time employees 70 | Website https://ir.pintec.com |
Full time employees 70 | Website https://ir.pintec.com | ||
Pintec Technology Holdings Limited, together with its subsidiaries, engages in the provision of technology-enabled financial and digital services to the ecosystem of MSMEs and SMEs 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. It provides point-of-sale financing solutions to its business partners on their platforms or on its own platform under the Dumiao brand; and business installment loan solutions to its business partners on their platforms or on its own platform. The company also offers wealth management solutions, including a fund distribution solution that enables partners to offer and distribute mutual fund products to their customers, either under its Hongdian brand or as a white label solution; and a robo-advisory solution under the Polaris brand which enables its financial and business partners to provide robo-advisory services to their customers. In addition, it provides international installment loan solutions; Myfin, an insurance solution, that enables its partners to offer and distribute insurance products to its users; value added tools to business and financial partners for deploying its solutions, monitor and evaluate performance, and scale their business; digital marketing tools to target users, implement intelligent digital marketing activities, and increase marketing efficiencies and effectiveness; and real time monitoring tools that offer comprehensive and visualized performance monitoring interface. The company was founded in 2012 and is headquartered in Beijing, the People's Republic of China.
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