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Pintec Technology Holdings Ltd (PT)

Upturn stock ratingUpturn stock rating
$0.99
Last Close (24-hour delay)
Profit since last BUY0%
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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

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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

ai summary icon Upturn AI SWOT

Pintec Technology Holdings Ltd

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 78

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.