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Upturn AI SWOT - About
PT 
Pintec Technology Holdings Ltd (PT)
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Upturn Advisory Summary
07/03/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -39.86% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 15.05M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.88 | 52 Weeks Range 0.76 - 1.15 | Updated Date 06/29/2025 |
52 Weeks Range 0.76 - 1.15 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.15 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -43.98% | Operating Margin (TTM) -25.04% |
Management Effectiveness
Return on Assets (TTM) -7.31% | Return on Equity (TTM) -170.16% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 11942380 | Price to Sales(TTM) 0.43 |
Enterprise Value 11942380 | Price to Sales(TTM) 0.43 | ||
Enterprise Value to Revenue 2.44 | Enterprise Value to EBITDA -0.06 | Shares Outstanding 14492500 | Shares Floating 217209634 |
Shares Outstanding 14492500 | Shares Floating 217209634 | ||
Percent Insiders 3.37 | Percent Institutions 4.31 |
Upturn AI SWOT
Pintec Technology Holdings Ltd
Company Overview
History and Background
Pintec Technology Holdings Ltd (PTC) was founded in 2012 in China. It initially focused on providing online lending solutions and expanded into other fintech services, including wealth management and insurance. The company has undergone strategic shifts in response to changing regulatory landscapes in China.
Core Business Areas
- Technology Solutions: Pintec provides technology solutions to financial institutions, enabling them to offer services like online lending, wealth management, and insurance. These solutions often involve data analytics, risk management, and platform integration.
- Business Consulting: Pintec also offers business consulting services to financial institutions, helping them optimize their operations and strategies in the digital finance space.
Leadership and Structure
Details on Pintec's leadership team and organizational structure are difficult to obtain as the company is no longer listed on the NASDAQ. Historically the leaders included the CEO and CFO, with the organization structured around its core business segments, such as technology solutions and business consulting.
Top Products and Market Share
Key Offerings
- Online Lending Solutions: Pintec's online lending solutions provide a platform for financial institutions to connect with borrowers. Market share data is unavailable post delisting. Competitors included companies like LendingClub and SoFi, though focused on the Chinese market.
- Wealth Management Solutions: Pintec offered wealth management solutions to help financial institutions offer investment products and services to their customers. Market share data unavailable. Competitors included other fintech companies offering similar platforms.
Market Dynamics
Industry Overview
The fintech industry has undergone significant changes in recent years, with increased regulation and evolving consumer preferences. There is a large market for business consulting in this area, especially if it involved AI integration.
Positioning
Due to the company no longer being publicly traded and changes in business direction it is not possible to gauge the exact market positioning, however it was initially well-positioned to capture a portion of the growth of the Chinese fintech market.
Total Addressable Market (TAM)
The global fintech market is valued in the trillions and it is positioned to capture a small percentage of this TAM.
Upturn SWOT Analysis
Strengths
- Technology Expertise
- Partnerships with Financial Institutions
Weaknesses
- Regulatory Risks in China
- Dependence on Partnerships
- Limited Geographic Diversification
Opportunities
- Expansion into New Fintech Services
- Leveraging AI Technologies
- Strategic Partnerships
Threats
- Increased Regulatory Scrutiny
- Intense Competition
- Economic Slowdown
Competitors and Market Share
Key Competitors
Competitive Landscape
Due to the company's current status, a detailed competitive landscape analysis is not possible.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends unavailable as the company is no longer listed.
Future Projections: Future projections are unavailable as the company is no longer listed.
Recent Initiatives: Information on recent initiatives is not publicly available.
Summary
Pintec Technology Holdings Ltd. faced challenges due to regulatory changes and is no longer publicly listed. The company initially showed promise in the fintech space, leveraging partnerships to offer technology solutions to financial institutions. However, regulatory hurdles and increased competition likely impacted its growth trajectory. Without access to updated financials, it's difficult to assess its current standing but the company's historical partnerships and technology expertise could be key assets for its future development. Continuous navigating regulatory landscapes will be crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (historical)
- Company Press Releases (historical)
- Industry Reports (historical)
Disclaimers:
The information provided is based on historical data and publicly available information. Due to the company's delisting, current information is limited. This analysis is not financial advice.
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 78 | Website https://ir.pintec.com |
Full time employees 78 | 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 and internationally. The company connects business partners and financial partners on its open platform and enables them to provide financial services to end users. It also 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. In addition, the company 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. Further, the company 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. Pintec Technology Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.
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