| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 24.14M | -34.33M | -32.45M | -24.14M | -4.47M | 112K |
| NII Growth % | - | - | - | - | -2.42% | 0.05% | 0.26% | 0.81% | 1.03% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 43.16M | 0 | 0 | 0 | 0 | 112K |
| Interest Expense | 0 | 0 | 0 | 19.02M | 34.33M | 32.45M | 24.14M | 4.47M | 0 |
| Loan Loss Provision | 59.85M | 372.41M | 1.08B | 750.67M | 251.44M | 57.27M | 38.55M | 33.72M | 12.84M |
| Non-Interest Income | 54.87M | 568.72M | 1.6B | 1.24B | 378.26M | 173.24M | 74.57M | 52.72M | 35.03M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 54.87M | 568.72M | 1.6B | 1.29B | 378.26M | 173.24M | 74.57M | 52.72M | 35.14M |
| Revenue Growth % | - | 9.36% | 1.82% | -0.2% | -0.71% | -0.54% | -0.57% | -0.29% | -0.33% |
| Non-Interest Expense | 196.03M | 249.92M | 507.64M | 1.24B | 299.33M | 154.86M | 93.41M | 56.22M | 36.4M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | -201.01M | -53.61M | 11.26M | -728.43M | -206.84M | -71.34M | -81.53M | -41.69M | -14.1M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.73% | 1.21% | -65.68% | 0.72% | 0.66% | -0.14% | 0.49% | 0.66% |
| Pretax Income | -200.33M | -66.34M | 7.88M | -904.52M | -246.94M | -101.95M | -194.03M | -95.16M | -14.09M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | 167K | 18.52M | 5.71M | 1.97M | 49.2M | 6.87M | 2.52M | -13.9M | 685K |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | -200.49M | -130.35M | -74.6M | -906.49M | -293.94M | -101.73M | -190.18M | -78.76M | -15.45M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.35% | 0.43% | -11.15% | 0.68% | 0.65% | -0.87% | 0.59% | 0.8% |
| Net Income (Continuing) | -200.49M | -84.86M | 2.17M | -906.49M | -296.14M | -108.82M | -196.56M | -81.25M | -14.78M |
| EPS (Diluted) | -4286.45 | -2542.40 | -841.05 | -3936.10 | -1211.00 | -415.80 | -776.30 | -194.95 | -34.30 |
| EPS Growth % | - | 0.41% | 0.67% | -3.68% | 0.69% | 0.66% | -0.87% | 0.75% | 0.82% |
| EPS (Basic) | -3670.80 | -2542.40 | -841.05 | -3936.10 | -1211.00 | -415.80 | -776.30 | -194.95 | -44.80 |
| Diluted Shares Outstanding | 46.77K | 51.27K | 82.53K | 230.31K | 242.72K | 244.66K | 244.99K | 403.85K | 452.81K |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 27.29M | 370.89M | 457.44M | 102.75M | 377.16M | 217.9M | 249.73M | 40.51M | 26.95M |
| Short Term Investments | 0 | 1000K | 1000K | 1000K | 1000K | 0 | 1000K | 43K | 0 |
| Total Investments | 0 | 8.44M | 78.65M | 203.62M | 140.45M | 122.76M | 42.48M | 43K | 0 |
| Investments Growth % | - | - | 8.32% | 1.59% | -0.31% | -0.13% | -0.65% | -1% | -1% |
| Long-Term Investments | 0 | 6.44M | 63.08M | 112.25M | 121.88M | 122.76M | 35M | 0 | 0 |
| Accounts Receivables | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 25.68M | 25.68M | 25.68M | 35.16M | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 8.81M | 7.21M | 5.42M | 49.79M | 16.67M | 9.88M | 9.88M | 0 | 0 |
| PP&E (Net) | 4.83M | 6.65M | 7.81M | 14.32M | 107.21M | 95.69M | 89.8M | 0 | 1.79M |
| Other Assets | 0 | 178.63M | 18.88M | 124.55M | 10.8M | 5.42M | 5M | 5M | 7.17M |
| Total Current Assets | 522.64M | 2.23B | 2.21B | 1.16B | 720.9M | 526.91M | 389.19M | 108.2M | 94.48M |
| Total Non-Current Assets | 39.33M | 224.6M | 157.77M | 400.74M | 257.6M | 234.32M | 139.68M | 5M | 8.96M |
| Total Assets | 561.97M | 2.45B | 2.37B | 1.56B | 978.5M | 761.23M | 528.87M | 113.2M | 103.44M |
| Asset Growth % | - | 3.36% | -0.03% | -0.34% | -0.37% | -0.22% | -0.31% | -0.79% | -0.09% |
| Return on Assets (ROA) | -0.36% | -0.09% | -0.03% | -0.46% | -0.23% | -0.12% | -0.29% | -0.25% | -0.14% |
| Accounts Payable | 9.66M | 97.03M | 52.81M | 57.72M | 10.36M | 21.4M | 22.68M | 4.98M | 4.09M |
| Total Debt | 382.28M | 1.93B | 936.48M | 822.76M | 532.84M | 400.03M | 349.75M | 0 | 4.68M |
| Net Debt | 354.99M | 1.56B | 479.03M | 720.01M | 155.68M | 182.13M | 100.03M | -40.51M | -22.27M |
| Long-Term Debt | 0 | 469.73M | 21.5M | 101.5M | 400M | 400M | 236.75M | 0 | 0 |
| Short-Term Debt | 382.28M | 1.46B | 914.98M | 721.26M | 132.84M | 30K | 113M | 0 | 1.82M |
| Other Liabilities | 0 | 19.94M | 8.75M | 16.66M | 8.15M | 19.8M | 10.8M | 4.78M | 4.11M |
| Total Current Liabilities | 571.18M | 2.02B | 1.28B | 1.08B | 521.61M | 404.97M | 525.99M | 488.3M | 493.25M |
| Total Non-Current Liabilities | 0 | 489.67M | 30.25M | 120.29M | 408.85M | 421.3M | 250.02M | 4.78M | 5.3M |
| Total Liabilities | 571.18M | 2.51B | 1.31B | 1.2B | 930.45M | 826.26M | 776.01M | 493.08M | 498.56M |
| Total Equity | -9.21M | -62.2M | 1.06B | 358.72M | 48.05M | -65.03M | -247.14M | -379.88M | -395.12M |
| Equity Growth % | - | -5.76% | 18% | -0.66% | -0.87% | -2.35% | -2.8% | -0.54% | -0.04% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | - | - | -0.15% | -1.28% | -1.45% | - | - | - | - |
| Book Value per Share | -196.80 | -1213.04 | 12811.58 | 1557.56 | 197.96 | -265.79 | -1008.77 | -940.65 | -872.60 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 228K | 254K | 274K | 275K | 275K | 496K | 496K |
| Additional Paid-in Capital | 0 | 0 | 1.9B | 1.98B | 1.99B | 1.99B | 2B | 2.04B | 2.04B |
| Retained Earnings | -9.21M | 0 | -872.7M | -1.86B | -2.16B | -2.26B | -2.45B | -2.51B | -2.53B |
| Accumulated OCI | 0 | 0 | 32.75M | 72.55M | 50.68M | 40.4M | 47.68M | 73.61M | 82.43M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -123.07M | 197.44M | 108.31M | 175.08M | 56.96M | -32.18M | -10.52M | 8.61M | -14.9M |
| Operating CF Growth % | - | 2.6% | -0.45% | 0.62% | -0.67% | -1.56% | 0.67% | 1.82% | -2.73% |
| Net Income | -200.49M | -84.86M | 2.17M | -906.49M | -296.14M | -108.82M | -196.56M | -81.25M | -14.78M |
| Depreciation & Amortization | 2.95M | 4.08M | 4.7M | 12.29M | 15.22M | 12.36M | 5.56M | 1.89M | 770K |
| Deferred Taxes | 0 | 136.97M | -36.9M | 1.17B | 46.91M | 1.84M | 977K | -2.47M | 0 |
| Other Non-Cash Items | 16.88M | 7.04M | 206.46M | 8.84M | 167.69M | 1.32M | 122.46M | 47.42M | 7.03M |
| Working Capital Changes | 31.93M | 103.19M | -199.38M | -127.41M | 111.38M | 57.33M | 52.5M | 49.91M | -7.92M |
| Cash from Investing | -108.18M | -1.44B | 250.58M | -538.7M | 192.62M | -119.46M | 86.69M | 35.27M | -84K |
| Purchase of Investments | 0 | -4M | -19.26M | -291.5M | -41.49M | 0 | -1M | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 1000K | 0 | 924K | 0 | 1000K | 1000K | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | 310K | 0 | 0 | 38.94M | 26K | -101.68M | 100.12M | 0 | 0 |
| Other Investing | -107.19M | -1.44B | 272.22M | -276.13M | 330.96M | -17.61M | -14.41M | 0 | 4K |
| Cash from Financing | 256.7M | 1.6B | -49.25M | 224.37M | -286.64M | -132.33M | -57.89M | -257.38M | 1.82M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 316.45M | 0 | 0 | 0 | 0 | 27.76M | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K |
| Other Financing | 184.85M | 30.06M | 150.83M | 170.18M | 20K | 5K | 0 | 0 | 0 |
| Net Change in Cash | 25.46M | 348.6M | 334.15M | -129.14M | -58.56M | -297.56M | 31.42M | -210.7M | -13.56M |
| Exchange Rate Effect | 0 | -34K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -399K |
| Cash at Beginning | 1.84M | 27.29M | 375.89M | 710.04M | 580.9M | 522.34M | 224.79M | 256.21M | 45.51M |
| Cash at End | 27.29M | 375.89M | 710.04M | 580.9M | 522.34M | 224.79M | 256.21M | 45.51M | 31.95M |
| Interest Paid | 0 | 13.12M | 82.07M | 64.12M | 49.47M | 36.65M | 14.58M | 1.56M | 0 |
| Income Taxes Paid | 0 | 9.97M | 17.65M | 33.42M | 6.46M | 1.1M | 1.45M | 937K | 622K |
| Free Cash Flow | -124.36M | 195.2M | 104.24M | 165.06M | -40.84M | -32.36M | -10.55M | 7.88M | -14.99M |
| FCF Growth % | - | 2.57% | -0.47% | 0.58% | -1.25% | 0.21% | 0.67% | 1.75% | -2.9% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | -14.99% | -128.04% | -144.52% | - | - | - | - |
| Return on Assets (ROA) | -35.68% | -8.65% | -3.1% | -46.15% | -23.15% | -11.69% | -29.48% | -24.53% | -14.27% |
| Net Interest Margin | 0% | 0% | 0% | 1.55% | -3.51% | -4.26% | -4.56% | -3.95% | 0.11% |
| Efficiency Ratio | 357.24% | 43.94% | 31.66% | 96.79% | 79.13% | 89.39% | 125.27% | 106.64% | 103.59% |
| Equity / Assets | -1.64% | -2.54% | 44.65% | 22.99% | 4.91% | -8.54% | -46.73% | -335.59% | -381.98% |
| Book Value / Share | -196.8 | -1.21K | 12.81K | 1.56K | 197.96 | -265.79 | -1.01K | -940.65 | -872.6 |
| NII Growth | - | - | - | - | -242.23% | 5.47% | 25.62% | 81.48% | 102.51% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Wealth Management Service Fees And Others | 14.8M | 20.12M | 750K | 41.02M | 8.85M | 15.29M | 14.52M |
| Wealth Management Service Fees And Others Growth | - | 35.96% | -96.27% | 5369.20% | -78.41% | 72.74% | -5.09% |
| Installment Service Fees | 291.08M | 187.36M | 6.54M | 16.95M | 14.14M | 13.49M | 13.36M |
| Installment Service Fees Growth | - | -35.63% | -96.51% | 158.96% | -16.56% | -4.59% | -1.03% |
| Technical Service Fees | 746.77M | 1.08B | 50.68M | 115.27M | 51.57M | 23.93M | 7.27M |
| Technical Service Fees Growth | - | 44.32% | -95.30% | 127.47% | -55.26% | -53.60% | -69.61% |
Pintec Technology Holdings Limited (PT) saw revenue decline by 33.3% over the past year.
Pintec Technology Holdings Limited (PT) reported a net loss of $11.9M for fiscal year 2024.
Pintec Technology Holdings Limited (PT) has a net interest margin (NIM) of 0.1%. NIM has been under pressure due to interest rate environment.
Pintec Technology Holdings Limited (PT) has an efficiency ratio of 103.6%. This is higher than peers, suggesting room for cost optimization.