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PT 
Pintec Technology Holdings Ltd (PT)
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Upturn Advisory Summary
12/02/2025: 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 -51.44% | Avg. Invested days 21 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
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, founded in 2012, was a fintech platform in China connecting financial institutions and businesses. It provided technology solutions enabling them to offer financial services to consumers. The company faced significant challenges and delisted from the Nasdaq in 2021.
Core Business Areas
- Business and Technology Solutions: Offered end-to-end solutions to financial institutions, including origination, risk assessment, and post-loan management. Provided technology to enable data-driven decisions.
- Platform Solutions: Facilitated the matching of borrowers and lenders through technology platforms, providing solutions for credit assessment and fraud detection.
Leadership and Structure
Information about the leadership team and organizational structure is limited due to the company's delisting and operational changes. Historically, the company had a CEO and a board of directors typical of a publicly traded company.
Top Products and Market Share
Key Offerings
- Product Name 1: Credit Assessment Solutions: Provided technology for risk scoring and credit evaluation. Market share data is unavailable post-delisting. Competitors included companies like LexinFintech and 360 Finance.
- Product Name 2: Loan Origination Platform: Facilitated the online loan application and approval process. Market share data is unavailable post-delisting. Competitors included companies like Qudian and Lufax.
Market Dynamics
Industry Overview
The fintech industry in China is highly regulated and competitive. It involves numerous players providing online lending, payments, and investment services. Regulatory changes have significantly impacted the sector.
Positioning
Pintec aimed to be a technology enabler for financial institutions, but their position weakened significantly due to regulatory challenges and delisting.
Total Addressable Market (TAM)
The TAM for fintech in China was substantial, estimated to be in the hundreds of billions of USD. Pintec's position was affected by evolving regulations, impacting its share of the TAM.
Upturn SWOT Analysis
Strengths
- Technology Expertise
- Partnerships with Financial Institutions
- Data Analytics Capabilities
Weaknesses
- Regulatory Risks
- Financial Instability
- Limited Market Share
Opportunities
- Partnerships with Large Tech Companies
- Expansion into New Fintech Verticals
- Innovation in AI-driven Financial Services
Threats
- Increased Regulatory Scrutiny
- Intense Competition
- Economic Downturn
Competitors and Market Share
Key Competitors
Competitive Landscape
Pintec faced intense competition from other fintech companies in China, particularly those with greater financial resources and broader market reach. Regulatory advantages also impacted competitors differently.
Growth Trajectory and Initiatives
Historical Growth: Historical growth was initially rapid but slowed down due to regulatory challenges.
Future Projections: Future projections are unavailable due to the company's delisting and restructuring.
Recent Initiatives: Recent initiatives are not publicly available as the company is not currently operating as a publicly listed entity.
Summary
Pintec Technology Holdings Ltd faced numerous challenges in the Chinese fintech market, primarily driven by stringent regulatory changes. Although they had initial growth, increased scrutiny led to financial instability and eventual delisting. The company's future prospects are uncertain, and they require a significant strategic shift to regain market position. While they possessed technological expertise and partnerships, these were insufficient to overcome regulatory hurdles.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (historical)
- Company Press Releases (historical)
- Industry Reports (historical)
- Market Analysis Reports (historical)
Disclaimers:
The information provided is based on publicly available data before the company's delisting. Current information about Pintec Technology Holdings Ltd is limited, and the accuracy of the analysis may be affected by the lack of updated data.
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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