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Company Analysis

Pintec Technology Holdings Limi PT

A comprehensive view of key metrics, scores, and financial health for Pintec Technology Holdings Limi

Overview of Pintec Technology Holdings Limited

PT NGM
Financial Services Credit Services Framework: Banks & Lenders Micro Cap
Pintec Technology Holdings Limited (PT), is a Micro Cap company, in the Credit Services industry, last closed at $0.96, about 0.0% overvalued vs fair value, -3.8% 1Y return, ranked 910/1078 in sector.
USD 0.96
3.23%
(Delayed)
• Vol 90d: 62.8%
52-Week Range
Market Cap
$14.50M
Enterprise Value
$-14.50M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 88%
Confidence: 53%
Updated: Sep 12
Top Beats
No strong beats yet

Quick Facts

Website https://ir.pintec.com
HQ Beijing
Employees 78
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$0
$0
$0
Current: $0.96

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$0
Interest Expense
$4.5M
Net Interest Income
$112.0K
102.5%%
Total Revenue
$35.1M
-33.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Assets
-14.94%
Poor

Net Income / Assets - efficiency of asset utilization

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pintec Technology Holdings Limi's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
41
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.98), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.19).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.12).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
21
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 80% Coverage
Trade-Off Triangle Visualization A ternary plot showing PT's balance between Growth (45.0%), Profitability (6.2%), and Safety (48.7%). Growth 45% Safety 49% Profitability 6%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

53th percentile vs peers
53
Key Signals
NII Growth YoY 1.03 99p EPS Growth YoY 82.5% 85p Loan Growth YoY 1.6% 34p Asset Growth YoY -8.6% 2p
Strengths
  • NII Growth YoY in top 20% of peers (1.03, 99th percentile)
  • EPS Growth YoY in top 20% of peers (82.5%, 85th percentile)
  • Financial Leverage in top 20% of peers (-27.0%, 99th percentile)
  • D/E Ratio in top 20% of peers (-1.1%, 100th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (-8.6%)

Profitability

7th percentile vs peers
7
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
58
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pintec Technology Holdings Limi.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
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- upside
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Base
-
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- upside
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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