Pintec Technology Holdings Limited(PT)Earnings, Financials & Key Ratios
PT•NASDAQ•Banking & Credit
$0.96
$434919 mkt cap·Price updated Apr 24, 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
- Net Interest Income$112K+102.5%
- Total Revenue$35M-33.3%
- Net Income-$15M+80.4%
- Net Interest Margin0.11%+102.7%
- Efficiency Ratio103.59%-2.9%
- ROA-14.27%+41.8%
- Equity / Assets-381.98%-13.8%
- Book Value per Share-872.60+7.2%
- Tangible BV/Share-872.60+7.2%
PT Key Insights
Pintec Technology Holdings Limited (PT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Diversified revenue: 99.7% from non-interest income
✗Weaknesses
- ✗Weak NIM of 0.1%
- ✗High cost structure: 103.6% efficiency ratio
- ✗Thin capital base
- ✗Shares diluted 12.1% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PT Price & Volume
Pintec Technology Holdings Limited (PT) stock price & volume — 10-year historical chart
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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-
PT Peer Comparison
Pintec Technology Holdings Limited (PT) competitors in Credit Servicing and Structured Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FINV | 2.96B | 5.22 | 3.93 | 3.69% | 17.43% | 0.00 | ||
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 28.76% | 0.07 | ||
 LX | 154.1M | 2.16 | 2.27 | 8.78% | 14.68% | 0.49 | ||
 CNF | 1.03M | 3.06 | -0.02 | -60.88% | -1.25% | 1.18 | ||
 JFIN | 532.44M | 4.93 | 1.69 | 6.11% | 26.17% | 39.74% | 0.02 | |
 NCTY | 26.94M | 5.76 | -0.77 | -7.36% | -78.94% | -120.59% | 0.97 | |
 BABA | 341.64B | 141.48 | 17.99 | 5.86% | 12.19% | 11.24% | 0.23 | |
 JD | 47.2B | 30.69 | 7.78 | 6.84% | 2.47% | 10.53% | 0.29 |
Compare PT vs Peers
Pintec Technology Holdings Limited (PT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PT Income Statement
Pintec Technology Holdings Limited (PT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 24.14M | -34.33M | -32.45M | -24.14M | -4.47M | 112K | 506K |
| NII Growth % | - | - | - | - | -242.23% | 5.47% | 25.62% | 81.48% | 102.51% | 576.66% |
| Net Interest Margin % | 0% | 0% | 0% | 1.55% | -3.51% | -4.26% | -4.56% | -3.95% | 0.11% | 0.53% |
| Interest Income | 0 | 0 | 0 | 43.16M | 0 | 0 | 0 | 0 | 112K | 526K |
| Interest Expense | 0 | 0 | 0 | 19.02M | 34.33M | 32.45M | 24.14M | 4.47M | 0 | 20K |
| Loan Loss Provision | 59.85M | 372.41M | 1.08B | 750.67M | 251.44M | 57.27M | 38.55M | 33.72M | 12.84M | 12.79M |
| Non-Interest Income | 54.87M | 568.72M | 1.6B | 1.24B | 378.26M | 173.24M | 74.57M | 52.72M | 35.03M | 35.02M |
| Non-Interest Income % | 100% | 100% | 100% | 96.64% | 100% | 100% | 100% | 100% | 99.68% | 98.52% |
| Total Revenue | 54.87M▲ 0% | 568.72M▲ 936.4% | 1.6B▲ 182.0% | 1.29B▼ 19.9% | 378.26M▼ 70.6% | 173.24M▼ 54.2% | 74.57M▼ 57.0% | 52.72M▼ 29.3% | 35.14M▼ 33.3% | 35.55M▲ 0% |
| Revenue Growth % | - | 936.41% | 181.97% | -19.85% | -70.57% | -54.2% | -56.96% | -29.3% | -33.34% | -21.29% |
| Non-Interest Expense | 196.03M | 249.92M | 507.64M | 1.24B | 299.33M | 154.86M | 93.41M | 56.22M | 36.4M | 36.45M |
| Efficiency Ratio | 357.24% | 43.94% | 31.66% | 96.79% | 79.13% | 89.39% | 125.27% | 106.64% | 103.59% | 102.53% |
| Operating Income | -201.01M▲ 0% | -53.61M▲ 73.3% | 11.26M▲ 121.0% | -728.43M▼ 6568.1% | -206.84M▲ 71.6% | -71.34M▲ 65.5% | -81.53M▼ 14.3% | -41.69M▲ 48.9% | -14.1M▲ 66.2% | -13.71M▲ 0% |
| Operating Margin % | -366.31% | -9.43% | 0.7% | -56.68% | -54.68% | -41.18% | -109.34% | -79.09% | -40.13% | -38.57% |
| Operating Income Growth % | - | 73.33% | 121.01% | -6568.08% | 71.6% | 65.51% | -14.29% | 48.86% | 66.18% | - |
| Pretax Income | -200.33M▲ 0% | -66.34M▲ 66.9% | 7.88M▲ 111.9% | -904.52M▼ 11578.7% | -246.94M▲ 72.7% | -101.95M▲ 58.7% | -194.03M▼ 90.3% | -95.16M▲ 51.0% | -14.09M▲ 85.2% | -12.76M▲ 0% |
| Pretax Margin % | -365.07% | -11.67% | 0.49% | -70.38% | -65.28% | -58.85% | -260.21% | -180.5% | -40.1% | -35.89% |
| Income Tax | 167K | 18.52M | 5.71M | 1.97M | 49.2M | 6.87M | 2.52M | -13.9M | 685K | 2.04M |
| Effective Tax Rate % | -0.08% | -27.91% | 72.45% | -0.22% | -19.92% | -6.74% | -1.3% | 14.61% | -4.86% | -16% |
| Net Income | -200.49M▲ 0% | -130.35M▲ 35.0% | -74.6M▲ 42.8% | -906.49M▼ 1115.2% | -293.94M▲ 67.6% | -101.73M▲ 65.4% | -190.18M▼ 87.0% | -78.76M▲ 58.6% | -15.45M▲ 80.4% | -11.9M▲ 0% |
| Net Margin % | -365.37% | -22.92% | -4.65% | -70.53% | -77.71% | -58.72% | -255.05% | -149.41% | -43.98% | -33.48% |
| Net Income Growth % | - | 34.98% | 42.77% | -1115.15% | 67.57% | 65.39% | -86.95% | 58.59% | 80.38% | 86.47% |
| Net Income (Continuing) | -200.49M | -84.86M | 2.17M | -906.49M | -296.14M | -108.82M | -196.56M | -81.25M | -14.78M | -14.8M |
| EPS (Diluted) | -4286.45▲ 0% | -2542.40▲ 40.7% | -841.05▲ 66.9% | -3936.10▼ 368.0% | -1211.00▲ 69.2% | -415.80▲ 65.7% | -776.30▼ 86.7% | -194.95▲ 74.9% | -34.30▲ 82.4% | -26.28▲ 0% |
| EPS Growth % | - | 40.69% | 66.92% | -368% | 69.23% | 65.66% | -86.7% | 74.89% | 82.41% | 61.76% |
| 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 | 452.81K |
PT Balance Sheet
Pintec Technology Holdings Limited (PT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 27.29M | 372.89M | 473.01M | 194.13M | 395.73M | 217.9M | 257.21M | 40.55M | 26.95M | 121.7M |
| Cash & Due from Banks | 27.29M | 370.89M | 457.44M | 102.75M | 377.16M | 217.9M | 249.73M | 40.51M | 26.95M | 33.9M |
| Short Term Investments | 0 | 2M | 15.57M | 91.37M | 18.57M | 0 | 7.48M | 43K | 0 | 0 |
| Total Investments | 0 | 8.44M | 78.65M | 203.62M | 140.45M | 122.76M | 42.48M | 43K | 0 | 0 |
| Investments Growth % | - | - | 831.95% | 158.91% | -31.03% | -12.6% | -65.39% | -99.9% | -100% | -100% |
| Long-Term Investments | 0 | 6.44M | 63.08M | 112.25M | 121.88M | 122.76M | 35M | 0 | 0 | 0 |
| Accounts Receivables | -5.18M | -27.39M | 47.65M | 72.75M | 50.98M | 34.72M | 9.72M | -1.55M | -1.52M | 1.88M |
| Goodwill & Intangibles | 34.49M | 32.89M | 31.1M | 84.95M | 16.67M | 9.88M | 9.88M | 0 | 0 | 0 |
| Goodwill | 25.68M | 25.68M | 25.68M | 35.16M | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 8.81M | 7.21M | 5.42M | 49.79M | 16.67M | 9.88M | 9.88M | 0 | 0 | 0 |
| PP&E (Net) | 4.83M | 6.65M | 7.81M | 14.32M | 107.21M | 95.69M | 89.8M | 0 | 1.79M | 970K |
| Other Assets | 0 | 178.63M | 18.88M | 124.55M | 10.8M | 5.42M | 5M | 5M | 7.17M | 6.66M |
| Total Current Assets | 522.64M | 2.23B | 2.21B | 1.16B | 720.9M | 526.91M | 389.19M | 108.2M | 94.48M | 88.72M |
| Total Non-Current Assets | 39.33M | 224.6M | 157.77M | 400.74M | 257.6M | 234.32M | 139.68M | 5M | 8.96M | 7.63M |
| Total Assets | 561.97M▲ 0% | 2.45B▲ 336.1% | 2.37B▼ 3.4% | 1.56B▼ 34.1% | 978.5M▼ 37.3% | 761.23M▼ 22.2% | 528.87M▼ 30.5% | 113.2M▼ 78.6% | 103.44M▼ 8.6% | 96.36M▲ 0% |
| Asset Growth % | - | 336.11% | -3.38% | -34.1% | -37.3% | -22.2% | -30.52% | -78.6% | -8.62% | -49.65% |
| Return on Assets (ROA) | -35.68% | -8.65% | -3.1% | -46.15% | -23.15% | -11.69% | -29.48% | -24.53% | -14.27% | -12.35% |
| Accounts Payable | 9.66M | 97.03M | 52.81M | 57.72M | 10.36M | 21.4M | 22.68M | 4.98M | 4.09M | 2.45M |
| Total Debt | 382.28M | 1.93B | 936.48M | 822.76M | 532.84M | 400.03M | 349.75M | 0 | 4.68M | 3.32M |
| Net Debt | 354.99M | 1.56B | 479.03M | 720.01M | 155.68M | 182.13M | 100.03M | -40.51M | -22.27M | -30.58M |
| Long-Term Debt | 0 | 469.73M | 21.5M | 101.5M | 400M | 400M | 236.75M | 0 | 0 | 0 |
| Short-Term Debt | 382.28M | 1.46B | 914.98M | 721.26M | 132.84M | 30K | 113M | 0 | 1.82M | 2.87M |
| Other Liabilities | 0 | 19.94M | 8.75M | 16.66M | 8.15M | 19.8M | 10.8M | 4.78M | 4.11M | 3.55M |
| Total Current Liabilities | 571.18M | 2.02B | 1.28B | 1.08B | 521.61M | 404.97M | 525.99M | 488.3M | 493.25M | 492.51M |
| Total Non-Current Liabilities | 0 | 489.67M | 30.25M | 120.29M | 408.85M | 421.3M | 250.02M | 4.78M | 5.3M | 4M |
| Total Liabilities | 571.18M | 2.51B | 1.31B | 1.2B | 930.45M | 826.26M | 776.01M | 493.08M | 498.56M | 496.51M |
| Total Equity | -9.21M▲ 0% | -62.2M▼ 575.7% | 1.06B▲ 1799.9% | 358.72M▼ 66.1% | 48.05M▼ 86.6% | -65.03M▼ 235.3% | -247.14M▼ 280.0% | -379.88M▼ 53.7% | -395.12M▼ 4.0% | -400.15M▲ 0% |
| Equity Growth % | - | -575.67% | 1799.94% | -66.07% | -86.61% | -235.34% | -280.04% | -53.71% | -4.01% | -14.05% |
| Equity / Assets (Capital Ratio) | -1.64% | -2.54% | 44.65% | 22.99% | 4.91% | -8.54% | -46.73% | -335.59% | -381.98% | -415.28% |
| Return on Equity (ROE) | - | - | -14.99% | -128.04% | -144.52% | - | - | - | - | 2.99% |
| Book Value per Share | -196.80 | -1213.04 | 12811.58 | 1557.56 | 197.96 | -265.79 | -1008.77 | -940.65 | -872.60 | -883.72 |
| Tangible BV per Share | -934.30 | -1854.56 | 12434.69 | 1188.72 | 129.30 | -306.18 | -1049.10 | -940.65 | -872.60 | -883.72 |
| Common Stock | 0 | 0 | 228K | 254K | 274K | 275K | 275K | 496K | 496K | 496K |
| Additional Paid-in Capital | 0 | 0 | 1.9B | 1.98B | 1.99B | 1.99B | 2B | 2.04B | 2.04B | 2.04B |
| Retained Earnings | -9.21M | 0 | -872.7M | -1.86B | -2.16B | -2.26B | -2.45B | -2.51B | -2.53B | -2.52B |
| Accumulated OCI | 0 | 0 | 32.75M | 72.55M | 50.68M | 40.4M | 47.68M | 73.61M | 82.43M | 72.84M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PT Cash Flow Statement
Pintec Technology Holdings Limited (PT) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -123.07M | 197.44M | 108.31M | 175.08M | 56.96M | -32.18M | -10.52M | 8.61M | -14.9M | -14.9M |
| Operating CF Growth % | - | 260.43% | -45.14% | 61.65% | -67.46% | -156.5% | 67.32% | 181.87% | -273.02% | 0% |
| Net Income | -200.49M | -84.86M | 2.17M | -906.49M | -296.14M | -108.82M | -196.56M | -81.25M | -14.78M | -11.9M |
| Depreciation & Amortization | 2.95M | 4.08M | 4.7M | 12.29M | 15.22M | 12.36M | 5.56M | 1.89M | 770K | 0 |
| Deferred Taxes | 0 | 136.97M | -36.9M | 1.17B | 46.91M | 1.84M | 977K | -2.47M | 0 | 0 |
| Other Non-Cash Items | 16.88M | 7.04M | 206.46M | 8.84M | 167.69M | 1.32M | 122.46M | 47.42M | 7.03M | 11.9M |
| Working Capital Changes | 31.93M | 103.19M | -199.38M | -127.41M | 111.38M | 57.33M | 52.5M | 49.91M | -7.92M | 0 |
| Cash from Investing | -108.18M | -1.44B | 250.58M | -538.7M | 192.62M | -119.46M | 86.69M | 35.27M | -84K | 0 |
| Purchase of Investments | 0 | -4M | -19.26M | -291.5M | -41.49M | 0 | -1M | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 1000K | 0 | 924K | 0 | 1000K | 1000K | 0 | 0 |
| Net Investment Activity | 0 | -4M | -18.26M | -291.5M | -40.57M | 0 | -1K | 1000K | 0 | 0 |
| Acquisitions | 310K | 0 | 0 | 38.94M | 26K | -101.68M | 100.12M | 0 | 0 | 0 |
| Other Investing | -107.19M | -1.44B | 272.22M | -276.13M | 330.96M | -17.61M | -14.41M | 0 | 4K | 0 |
| Cash from Financing | 256.7M | 1.6B | -49.25M | 224.37M | -286.64M | -132.33M | -57.89M | -257.38M | 1.82M | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 316.45M | 0 | 0 | 0 | 0 | 27.76M | 0 | 0 |
| Net Stock Activity | 0 | 0 | 316.45M | 0 | 0 | 0 | 0 | 27.76M | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | 184.85M | 30.06M | 150.83M | 170.18M | 20K | 5K | 0 | 0 | 0 | 0 |
| Net Change in Cash | 25.46M▲ 0% | 348.6M▲ 1269.4% | 334.15M▼ 4.1% | -129.14M▼ 138.6% | -58.56M▲ 54.7% | -297.56M▼ 408.1% | 31.42M▲ 110.6% | -210.7M▼ 770.5% | -13.56M▲ 93.6% | 0▲ 0% |
| Exchange Rate Effect | 0 | -34K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -399K | 0 |
| Cash at Beginning | 1.84M | 27.29M | 375.89M | 710.04M | 580.9M | 522.34M | 224.79M | 256.21M | 45.51M | 0 |
| Cash at End | 27.29M | 375.89M | 710.04M | 580.9M | 522.34M | 224.79M | 256.21M | 45.51M | 31.95M | 0 |
| Interest Paid | 0 | 13.12M | 82.07M | 64.12M | 49.47M | 36.65M | 14.58M | 1.56M | 0 | 0 |
| Income Taxes Paid | 0 | 9.97M | 17.65M | 33.42M | 6.46M | 1.1M | 1.45M | 937K | 622K | 0 |
| Free Cash Flow | -124.36M▲ 0% | 195.2M▲ 257.0% | 104.24M▼ 46.6% | 165.06M▲ 58.4% | -40.84M▼ 124.7% | -32.36M▲ 20.8% | -10.55M▲ 67.4% | 7.88M▲ 174.7% | -14.99M▼ 290.1% | 0▲ 0% |
| FCF Growth % | - | 256.96% | -46.6% | 58.35% | -124.74% | 20.76% | 67.38% | 174.68% | -290.14% | - |
PT Banking Ratios
Pintec Technology Holdings Limited (PT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | -14.99% | -128.04% | -144.52% | - | - | - | - | 2.99% |
| Return on Assets (ROA) | -8.65% | -3.1% | -46.15% | -23.15% | -11.69% | -29.48% | -24.53% | -14.27% | -12.35% |
| Net Interest Margin | 0% | 0% | 1.55% | -3.51% | -4.26% | -4.56% | -3.95% | 0.11% | 0.53% |
| Efficiency Ratio | 43.94% | 31.66% | 96.79% | 79.13% | 89.39% | 125.27% | 106.64% | 103.59% | 102.53% |
| Equity / Assets | -2.54% | 44.65% | 22.99% | 4.91% | -8.54% | -46.73% | -335.59% | -381.98% | -415.28% |
| Book Value / Share | -1.21K | 12.81K | 1.56K | 197.96 | -265.79 | -1.01K | -940.65 | -872.6 | -883.72 |
| NII Growth | - | - | - | -242.23% | 5.47% | 25.62% | 81.48% | 102.51% | 283.33% |
| Dividend Payout | - | - | - | - | - | - | - | - | 0% |
PT Frequently Asked Questions
Pintec Technology Holdings Limited (PT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
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.
Industry Metrics
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.
Explore More PT
Pintec Technology Holdings Limited (PT) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Earnings History
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Price History
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Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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