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Pintec Technology Holdings Limited(PT)Earnings, Financials & Key Ratios
PT•NASDAQ
$0.96
Price updated Jun 20, 2026
AboutPintec Technology Holdings Limited, together with its subsidiaries, operates an online technology platform that enables financial services in the People's Republic of China. The company connects business partners and financial partners on its platform and enables them to provide financial services to end users. Its technology platform's financial services include assistance for borrowers to obtain loans from third party investors and various financial partners; a lending solution for borrowers who want to finance online purchases or who have personal or business installment loan requests; and a wealth management and insurance product distribution solution for asset management and insurance companies to facilitate the sales of products. Pintec Technology Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.Show more
- EBITDA-$13M+66.5%
- Net Income-$15M+80.4%
- EPS (Diluted)-34.30+82.4%
- Gross Margin63.46%+130.3%
- EBITDA Margin-37.94%+49.8%
- Operating Margin-40.13%+49.3%
- Net Margin-43.98%+70.6%
PT Price & Volume
Pintec Technology Holdings Limited (PT) stock price & volume — 10-year historical chart
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Persistent Operating Losses Undermine Financial Solvency Stability
Investment Thesis • Updated 2025Q2
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Severe equity insolvency risk
Key Thesis Takeaways
- Pintec Technology faces a precarious outlook characterized by a structural inability to convert its 60.9% gross margin into positive operating income, which remained at -$3.6 million in 2025Q2.
- The company's reliance on a rigid cost structure has resulted in a decade of negative free cash flow and a deeply impaired balance sheet with equity at -$414.1 million.
- Investors should exercise extreme caution as the firm's current liquidity profile, evidenced by a 0.18 current ratio, suggests significant risks to long-term operational viability.
Verdict Logic
the company's inability to generate positive free cash flow and its precarious current ratio of 0.18 indicate a high risk of insolvency that outweighs any potential upside from its current $7.7 million quarterly revenue base.
PT Growth Metrics
Pintec Technology Holdings Limited (PT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-51.32%
3 Years-41.24%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM86.47%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM61.76%
Return on Capital
10 Years-37.81%
5 Years-35.72%
3 Years-45.4%
Last Year-
Latest PT News
Recent stock market news and headlines for Pintec Technology Holdings Limited (PT)
Peers Comparison
Key metrics vs top competitors for Pintec Technology Holdings Limited (PT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.96 | $434.92K | -0.19 | -33.34% | -43.98% | — | — | |
| $4.80 | $1.19B | 3.49 | 1.03% | 18.75% | 6.05% | — | |
| $15.81 | $2.06B | 1.25 | 8.83% | 33.86% | 24.95% | — | |
| $1.95 | $328.89M | 1.45 | -9.94% | 11.52% | 14.68% | — | |
| $2.87 | $963.88K | -0.01 | -60.88% | -14.04% | -1.25% | — | |
| $3.01 | $157.51M | 4.91 | -85.08% | 24.72% | 37.66% | — |
Compare PT vs Peers
Pintec Technology Holdings Limited (PT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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PT Frequently Asked Questions
Pintec Technology Holdings Limited (PT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Pintec Technology Holdings Limited's revenue?
Pintec Technology Holdings Limited (PT) reported $35.5M in revenue for fiscal year 2024.
How fast is Pintec Technology Holdings Limited growing?
Pintec Technology Holdings Limited (PT) saw revenue decline by 33.3% over the past year.
Is PT profitable?
Pintec Technology Holdings Limited (PT) reported a net loss of $11.9M for fiscal year 2024.
Dividend & Returns
What is Pintec Technology Holdings Limited's free cash flow?
Pintec Technology Holdings Limited (PT) had negative free cash flow of $15.0M in fiscal year 2024, likely due to heavy capital investments.