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Upturn AI SWOT - About
PT 
Pintec Technology Holdings Ltd (PT)
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Upturn Advisory Summary
09/15/2025: PT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star 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 -47.31% | Avg. Invested days 20 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
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, formerly known as Weiying Finance Holding Company Limited, was founded in 2012. It initially focused on providing online lending solutions and has since evolved to offer a broader range of fintech services. Pintec was publicly listed on NASDAQ in 2018. However, the company's stock has been delisted.
Core Business Areas
- Business and Technology Solutions: Pintec offers financial institutions business and technology solutions for online lending and other financial services. These solutions include credit assessment, risk management, and loan processing.
- Data Solutions: The company utilizes data analytics and AI to provide insights and solutions for its clients. It provides data processing and management services.
Leadership and Structure
Information regarding the current leadership and structure is not readily available due to the company's delisting and significant changes in its operational status.
Top Products and Market Share
Key Offerings
- Credit Assessment Solutions: Pintec provides risk management and credit scoring technology for online lending. Market share data is not readily available due to company's current status. Competitors include FICO and Experian.
- Data Analytics Services: Pintec offers data processing and analytical services. Competitors include companies such as Palantir and SAS, and market share is difficult to determine because the specific fintech niche is not identified.
Market Dynamics
Industry Overview
The fintech industry is dynamic and evolving, with a growing demand for technology-driven financial solutions. Regulatory changes and competitive pressures are significant factors.
Positioning
Given the challenges and delisting, Pintec's current positioning is weak within the industry.
Total Addressable Market (TAM)
The overall fintech market is estimated in the trillions of dollars globally. Pintec's potential market share would depend on its ability to adapt and regain market relevance. The specific TAM for its target segment is difficult to ascertain due to company issues.
Upturn SWOT Analysis
Strengths
Weaknesses
- Financial instability
- Delisting from NASDAQ
- Reputational damage
- Uncertain future operations
Opportunities
- Restructuring and focusing on core strengths
- Exploring strategic partnerships
- Adapting to new regulatory environments
- Capitalizing on the growth of the fintech industry in emerging markets
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Technological obsolescence
Competitors and Market Share
Key Competitors
Competitive Landscape
Pintec's competitive advantage has significantly eroded due to its financial difficulties and delisting.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent, with periods of growth followed by significant challenges.
Future Projections: Future projections are highly uncertain due to the company's current situation.
Recent Initiatives: Information on recent strategic initiatives is limited and difficult to confirm.
Summary
Pintec Technology Holdings Ltd. faces significant challenges due to its delisting and financial instability. While the fintech industry offers growth opportunities, Pintec's current position is precarious. To recover, the company must restructure, adapt to new regulations, and capitalize on strategic partnerships. The company needs to look out for ongoing competition, economic downturns, and regulatory risks. Without significant changes, Pintec's long-term viability is questionable.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Public filings
- Market research reports
- Company websites
- Financial news outlets
Disclaimers:
The data and analysis presented are based on publicly available information and may be incomplete or outdated. This is not financial advice, and readers should conduct their own research before making any investment decisions.
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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