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Upturn AI SWOT - About
PT 
Pintec Technology Holdings Ltd (PT)
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Upturn Advisory Summary
10/21/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -49.44% | 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 10/21/2025 |
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 China Finance Online (CFO), was founded in 1999. It has evolved from an online financial information provider to a fintech platform facilitating financial services in China. CFO was listed on the NASDAQ in 2004 and was renamed Pintec in 2017 after strategic shift
Core Business Areas
- Embedded Financial Services: Provides technology to enable businesses to offer financial services within their own applications and ecosystems. This allows for seamless integration of credit and investment products.
- SME Solutions: Offers technology to empower small and medium-sized enterprises with automated solutions for day-to-day financial and sales and marketing activities
Leadership and Structure
The leadership team includes executives with experience in technology and finance. Organizational structure has shifted as the company refocused its business.
Top Products and Market Share
Key Offerings
- Credit Solutions: Provides various consumer lending solutions. Market share is difficult to pinpoint precisely and changes rapidly. Competitors include various Chinese Fintech providers such as Ant Group and WeBank.
- Investment Solutions: Offers technology for automated investment services. Competitors include other wealth-tech platforms like Futu Holdings.
Market Dynamics
Industry Overview
The fintech industry in China is highly competitive and rapidly evolving, with stringent regulatory landscape. The digital payments market has seen huge growth.
Positioning
Pintec attempts to position itself as a technology enabler for other businesses in the financial services sector.
Total Addressable Market (TAM)
TAM for fintech solutions in China is estimated to be very large, but is difficult to pinpoint with all the different segments. Pintec is trying to gain market share, but faces strong competition.
Upturn SWOT Analysis
Strengths
- Technology platform
- Experience in Chinese market
Weaknesses
- Regulatory compliance
- Competition
- Profitability
- Geographical Concentration
Opportunities
- Growing demand for digital financial services
- Partnerships with other companies
- Expansion into new markets within China
Threats
- Changing regulations
- Economic slowdown in China
- Increased competition
- US-China trade relations
Competitors and Market Share
Key Competitors
- 360 DigiTech (QFIN)
- LexinFintech Holdings (LX)
- Lufax Holding (LU)
Competitive Landscape
Pintec faces intense competition from larger, more established players. Pintec tries to differentiate by focusing on technology partnerships.
Growth Trajectory and Initiatives
Historical Growth: Growth has been inconsistent over the past years due to shifts in their business model.
Future Projections: Future growth depends on Pintec's ability to navigate the regulatory environment and compete effectively. Analyst estimates vary.
Recent Initiatives: Shift to Embedded Finance and SME solutions
Summary
Pintec Technology Holdings Ltd. is a Chinese fintech company facing stiff competition. It focuses on technology enabling solutions, including embedded financial services and SME products, and has struggled to achieve profitability. The company faces regulatory hurdles and economic headwinds in China and must innovate to improve its competitive positioning.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on publicly available information. Financial performance is based on past data and future performance is not guaranteed. Current trading price of PT is not available as it is delisted from the NASDAQ as of June 13, 2024. The AI rating is based on a combination of quantitative and qualitative factors and should be used as one data point among many when making 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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