Based on the key measurements obtained from Pintec Technology's financial statements, Pintec Technology Holdings is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in April. At this time, Pintec Technology's Long Term Debt is comparatively stable compared to the past year. Long Term Debt Total is likely to gain to about 158.1 M in 2025, whereas Other Current Liabilities is likely to drop slightly above 355.4 M in 2025. Key indicators impacting Pintec Technology's financial strength include:
The essential information of the day-to-day investment outlook for Pintec Technology includes many different criteria found on its balance sheet. An individual investor should monitor Pintec Technology's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Pintec Technology.
Please note, the imprecision that can be found in Pintec Technology's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Pintec Technology Holdings. Check Pintec Technology's Beneish M Score to see the likelihood of Pintec Technology's management manipulating its earnings.
Pintec Technology Stock Summary
Pintec Technology competes with Senmiao Technology, X Financial, Yirendai, Qudian, and Sentage Holdings. Pintec Technology Holdings Limited, together with its subsidiaries, operates an online technology platform that enables financial services in the Peoples Republic of China. Pintec Technology Holdings Limited was founded in 2012 and is headquartered in Beijing, the Peoples Republic of China. Pintec Technology operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 124 people.
The reason investors look at the income statement is to determine what Pintec Technology's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
Comparative valuation techniques use various fundamental indicators to help in determining Pintec Technology's current stock value. Our valuation model uses many indicators to compare Pintec Technology value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Pintec Technology competition to find correlations between indicators driving Pintec Technology's intrinsic value. More Info.
Pintec Technology Holdings is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At this time, Pintec Technology's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Pintec Technology by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Pintec Technology Systematic Risk
Pintec Technology's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Pintec Technology volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Pintec Technology correlated with the market. If Beta is less than 0 Pintec Technology generally moves in the opposite direction as compared to the market. If Pintec Technology Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Pintec Technology is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Pintec Technology is generally in the same direction as the market. If Beta > 1 Pintec Technology moves generally in the same direction as, but more than the movement of the benchmark.
Steps to analyze company Financials for Investing
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Pintec Technology is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Pintec has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it. In summary, you can determine if Pintec Technology's financials are consistent with your investment objective using the following steps:
Review Pintec Technology's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
Study the cash flow inflows and outflows to understand Pintec Technology's liquidity and solvency.
Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
Compare Pintec Technology's financials to those of its peers to see how it stacks up and identify any potential red flags.
Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Pintec Technology's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Pintec Technology Thematic Clasifications
Pintec Technology Holdings is part of several thematic ideas from Banks to Business Services. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Pintec Technology Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Pintec Technology's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Pintec Technology growth as a starting point in their analysis.
Pintec Technology March 25, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Pintec Technology help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Pintec Technology Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of Pintec Technology Holdings based on widely used predictive technical indicators. In general, we focus on analyzing Pintec Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Pintec Technology's daily price indicators and compare them against related drivers.
When running Pintec Technology's price analysis, check to measure Pintec Technology's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pintec Technology is operating at the current time. Most of Pintec Technology's value examination focuses on studying past and present price action to predict the probability of Pintec Technology's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pintec Technology's price. Additionally, you may evaluate how the addition of Pintec Technology to your portfolios can decrease your overall portfolio volatility.