9 years of historical data (2016–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Pintec Technology Holdings Limited currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $48M | $407660 | $448269 | $100445 | $538263 | $1M | $2M | $4M | — | — |
| Enterprise Value | $45M | $-21862340 | $-40059731 | $100M | $183M | $157M | $722M | $483M | — | — |
| P/E Ratio → | -0.19 | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 9.47 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — |
| P/B Ratio | — | — | — | — | — | 0.02 | 0.01 | 0.00 | — | — |
| P/FCF | — | — | 0.06 | — | — | — | 0.01 | 0.04 | — | — |
| P/OCF | — | — | 0.05 | — | — | 0.02 | 0.01 | 0.04 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.62 | -0.76 | 1.34 | 1.05 | 0.41 | 0.56 | 0.30 | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | 30.28 | — | — |
| EV / EBIT | — | — | — | — | — | — | — | 42.92 | — | — |
| EV / FCF | — | — | -5.08 | — | — | — | 4.37 | 4.64 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Pintec Technology Holdings Limited earns an operating margin of -40.1%, below the Financial Services sector average of 21.9%. Operating margins have expanded from -109.3% to -40.1% over the past 3 years, signaling improving operational efficiency.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.5% | 63.5% | 27.6% | 15.9% | 48.2% | 24.5% | 40.1% | 32.4% | 34.5% | -9.1% |
| Operating Margin | -40.1% | -40.1% | -79.1% | -109.3% | -41.2% | -54.7% | -56.7% | 0.7% | -9.4% | -366.3% |
| Net Profit Margin | -44.0% | -44.0% | -149.4% | -255.0% | -58.7% | -77.7% | -70.5% | -4.7% | -22.9% | -365.4% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | -144.5% | -128.0% | -15.0% | — | — |
| ROA | -14.3% | -14.3% | -24.5% | -29.5% | -11.7% | -23.2% | -46.1% | -3.1% | -8.7% | -35.7% |
| ROIC | — | — | — | -27.9% | -11.7% | -17.6% | -34.4% | 0.4% | -3.6% | -40.4% |
| ROCE | — | — | — | -45.4% | -17.5% | -44.2% | -93.0% | 1.5% | -25.6% | — |
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $27M exceeds total debt of $5M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | 11.09 | 2.29 | 0.89 | — | — |
| Debt / EBITDA | — | — | — | — | — | — | — | 58.67 | — | — |
| Net Debt / Equity | — | — | — | — | — | 3.24 | 2.01 | 0.45 | — | — |
| Net Debt / EBITDA | — | — | — | — | — | — | — | 30.01 | — | — |
| Debt / FCF | — | — | -5.14 | — | — | — | 4.36 | 4.60 | 8.00 | — |
| Interest Coverage | — | — | -9.33 | -3.38 | -2.20 | -6.02 | -38.30 | — | — | — |
Net cash position: cash ($27M) exceeds total debt ($5M)
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.19x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.74x to 0.19x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.19 | 0.19 | 0.22 | 0.74 | 1.30 | 1.38 | 1.07 | 1.73 | 1.10 | 0.92 |
| Quick Ratio | 0.19 | 0.19 | 0.22 | 0.74 | 1.30 | 1.38 | 1.07 | 1.73 | 1.10 | 0.92 |
| Cash Ratio | 0.05 | 0.05 | 0.08 | 0.47 | 0.54 | 0.72 | 0.10 | 0.36 | 0.18 | 0.05 |
| Asset Turnover | — | 0.34 | 0.47 | 0.14 | 0.23 | 0.39 | 0.82 | 0.68 | 0.23 | 0.10 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Pintec Technology Holdings Limited does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | 1758.3% | — | — | — | 7875.9% | 2412.8% | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $452805 | $403846 | $244989 | $244665 | $242721 | $230309 | $82525 | $51272 | $46773 |
Compare PT with 8 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| PTYou | $48M | -0.2 | — | — | 63.5% | -40.1% | — | — | — |
| KKRS | $16B | 3.3 | 1.0 | 2.4 | 80.2% | 74.2% | 27.6% | 28.7% | — |
| CGABL | $6B | 6.4 | 3.3 | 6.3 | 50.1% | 25.2% | 15.2% | 15.3% | — |
| UPST | $3B | 60.5 | 47.3 | — | — | 4.1% | 7.5% | 2.2% | — |
| AGM | $1B | 9.5 | — | 18.4 | — | — | 11.4% | — | — |
| YRD | $673M | 0.7 | 0.5 | 3.3 | 84.8% | 28.4% | 18.0% | 14.0% | 0.0 |
| NRDS | $344M | 17.0 | 3.8 | 2.6 | 92.4% | 7.8% | 13.2% | 13.1% | — |
| SNTG | $5M | -2.7 | — | — | 92.5% | -1615.2% | -17.9% | -11.3% | — |
| FOA | $232 | 16.4 | 350.7 | — | 13.9% | 2.2% | 5.3% | 0.1% | 351.3 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 9 years · Updated daily
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Start ComparisonPintec Technology Holdings Limited's current P/E ratio is -0.2x. This places it at the 50th percentile of its historical range.
Based on historical data, Pintec Technology Holdings Limited is trading at a P/E of -0.2x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Pintec Technology Holdings Limited has 63.5% gross margin and -40.1% operating margin.