SunCar Technology Group Inc.(SDA)Earnings, Financials & Key Ratios
SDA•NASDAQ
$1.07
$50M mkt cap·Price updated May 6, 2026
AboutSunCar Technology Group Inc., through its subsidiaries, provides digitalized automotive after-sales service and online insurance intermediation services in the People's Republic of China. It operates through three segments: Insurance Intermediation Business; Automotive After-Sales Business; and Technology Business. The Insurance Intermediation Business segment provides traditional auto insurance renewal services and new energy vehicles insurance services. The Automotive After-Sales Business provides after-sales services to banking, insurance companies, and other customer types. The Technology Business segment provides auto insurance SaaS products and other technical services. SunCar Technology Group Inc. was founded in 2007 and is based in Shanghai, China.Show more
- Revenue$442M+21.5%
- EBITDA-$53M-401.1%
- Net Income-$69M-155.1%
- EPS (Diluted)-0.72-132.3%
- Gross Margin11.65%+1.6%
- EBITDA Margin-12.01%-312.5%
- Operating Margin-13.21%-210.7%
- Net Margin-15.54%-110.0%
- ROE-102.31%-99.1%
- ROIC-35.74%-226.6%
- Debt/Equity1.27+2.5%
- Interest Coverage-12.89-269.6%
SDA Key Insights
SunCar Technology Group Inc. (SDA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient asset utilization: 1.8x turnover
✗Weaknesses
- ✗Weak momentum: RS Rating 6 (bottom 6%)
- ✗Shares diluted 12.4% 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.
SDA Price & Volume
SunCar Technology Group Inc. (SDA) stock price & volume — 10-year historical chart
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SDA Growth Metrics
SunCar Technology Group Inc. (SDA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years21.03%
TTM13.96%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM73.16%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM75.4%
Return on Capital
10 Years100.3%
5 Years100.3%
3 Years-37.04%
Last Year-61.82%
SDA Recent Earnings
SunCar Technology Group Inc. (SDA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 0/12 qtrs (0%)
Q4 2025Latest
Dec 18, 2025EPS
$0.00
Est $0.05
-101.8%
Revenue
$116M
Est $119M
-3.1%
Q4 2025
Sep 19, 2025EPS
$0.07
Est $0.04
-275.4%
Revenue
$120M
Est $142M
-15.7%
Q2 2025
May 21, 2025EPS
$0.03
Est $0.07
-145.0%
Revenue
$103M
Est $137M
-25.0%
Q2 2025
Apr 28, 2025EPS
$0.04
Revenue
$129M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Dec 18, 2025 | $0.00vs $0.05-101.8% | $116Mvs $119M-3.1% |
| Q4 2025 | Sep 19, 2025 | $0.07vs $0.04-275.4% | $120Mvs $142M-15.7% |
| Q2 2025 | May 21, 2025 | $0.03vs $0.07-145.0% | $103Mvs $137M-25.0% |
| Q2 2025 | Apr 28, 2025 | $0.04 | $129M |
Based on last 12 quarters of dataView full earnings history →
SDA Peer Comparison
SunCar Technology Group Inc. (SDA) competitors in Auto Service, Repair and Aftermarket — 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 |
|---|---|---|---|---|---|---|---|---|
 ACMR | 3.67B | 55.38 | 40.42 | 15.24% | 10.44% | 6.11% | 0.16 | |
 RCON | 17.7M | 0.89 | -1.29 | -3.73% | -64.25% | -9.15% | 0.08 | |
 AIXI | 7.9M | 0.75 | -0.47 | 18.84% | -45.89% | |||
 KXIN | 5.06M | 4.60 | -0.10 | -100% | -694.94% | -5.94% | 0.08 | |
 CARG | 3.7B | 37.41 | 24.14 | 4.99% | 16.6% | 39.29% | 0.51 | |
 CARS | 656.14M | 11.19 | 34.97 | 0.57% | 2.77% | 4.24% | ||
 TRUE | 225.91M | 2.54 | -7.47 | 10.64% | -10.27% | -16.3% | 0.10 | |
 OPEN | 5.19B | 5.44 | -3.20 | -15.18% | -29.74% | -129.35% | 0.19 |
Compare SDA vs Peers
SunCar Technology Group Inc. (SDA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SDA Income Statement
SunCar Technology Group Inc. (SDA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jun'20 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 0 | 238.93M | 249.24M | 282.41M | 363.75M | 441.9M | 467.27M |
| Revenue Growth % | - | - | 4.32% | 13.31% | 28.8% | 21.49% | 13.96% |
| Cost of Goods Sold | 0 | 211.45M | 212.07M | 232.29M | 322.06M | 390.43M | 364.09M |
| COGS % of Revenue | - | 88.5% | 85.09% | 82.25% | 88.54% | 88.35% | - |
| Gross Profit | 0▲ 0% | 27.48M▲ 0% | 37.16M▲ 35.2% | 50.12M▲ 34.9% | 41.69M▼ 16.8% | 51.46M▲ 23.4% | 103.18M▲ 0% |
| Gross Margin % | - | 11.5% | 14.91% | 17.75% | 11.46% | 11.65% | 22.08% |
| Gross Profit Growth % | - | - | 35.24% | 34.87% | -16.82% | 23.45% | - |
| Operating Expenses | 0 | 19.64M | 26.8M | 62.7M | 57.15M | 109.83M | 194.6M |
| OpEx % of Revenue | - | 8.22% | 10.75% | 22.2% | 15.71% | 24.85% | - |
| Selling, General & Admin | 0 | 14.62M | 23.15M | 54.22M | 43.04M | 69.58M | 20.28M |
| SG&A % of Revenue | - | 6.12% | 9.29% | 19.2% | 11.83% | 15.75% | - |
| Research & Development | 0 | 5.03M | 3.65M | 8.48M | 14.11M | 40.24M | 10.06M |
| R&D % of Revenue | - | 2.1% | 1.46% | 3% | 3.88% | 9.11% | - |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 1000K |
| Operating Income | 0▲ 0% | 7.83M▲ 0% | 10.36M▲ 32.2% | -12.58M▼ 221.4% | -15.46M▼ 22.9% | -58.36M▼ 277.5% | 1.71M▲ 0% |
| Operating Margin % | - | 3.28% | 4.16% | -4.45% | -4.25% | -13.21% | 0.37% |
| Operating Income Growth % | - | - | 32.23% | -221.41% | -22.94% | -277.46% | - |
| EBITDA | 171.86K | 9.45M | 14.41M | -6.88M | -10.59M | -53.09M | 7.51M |
| EBITDA Margin % | - | 3.95% | 5.78% | -2.44% | -2.91% | -12.01% | 1.61% |
| EBITDA Growth % | - | 5396.92% | 52.58% | -147.73% | -53.98% | -401.09% | 111.37% |
| D&A (Non-Cash Add-back) | 171.86K | 1.61M | 4.05M | 5.7M | 4.87M | 5.28M | 5.8M |
| EBIT | -34.63K | 7.83M | 10.36M | -7.01M | -10.57M | -57.07M | 2.19M |
| Net Interest Income | 0 | -2.1M | 20.07K | -3.66M | -4.43M | -4.53M | -3.97M |
| Interest Income | 0 | 3.2K | 20.07K | 0 | 0 | 0 | 112K |
| Interest Expense | 0 | 2.1M | 0 | 3.66M | 4.43M | 4.53M | 4.08M |
| Other Income/Expense | -34.63K | 540K | 171K | 1.9M | 455K | -3.24M | -5.95M |
| Pretax Income | -34.63K▲ 0% | 8.37M▲ 24284.8% | 10.53M▲ 25.7% | -10.67M▼ 201.4% | -15.01M▼ 40.6% | -61.6M▼ 310.5% | -4.24M▲ 0% |
| Pretax Margin % | - | 3.5% | 4.22% | -3.78% | -4.13% | -13.94% | -0.91% |
| Income Tax | 0 | 1.75M | 938K | 231K | 2.57M | 2.85M | 2.76M |
| Effective Tax Rate % | 0% | 20.92% | 8.91% | -2.16% | -17.14% | -4.63% | -65.08% |
| Net Income | -34.63K▲ 0% | -12.99M▼ 37424.9% | -23.72M▼ 82.6% | -6.67M▲ 71.9% | -26.91M▼ 303.5% | -68.66M▼ 155.1% | -14.56M▲ 0% |
| Net Margin % | - | -5.44% | -9.52% | -2.36% | -7.4% | -15.54% | -3.12% |
| Net Income Growth % | - | -37424.91% | -82.57% | 71.89% | -303.54% | -155.14% | 73.16% |
| Net Income (Continuing) | -34.63K | 6.62M | 9.59M | -10.9M | -17.58M | -64.45M | -7.01M |
| Discontinued Operations | 0 | -16.4M | -27.66M | -994K | 0 | 0 | 0 |
| Minority Interest | 0 | 46.49M | 0 | 42.06M | 51.91M | 54.34M | 59.64M |
| EPS (Diluted) | -0.00▲ 0% | 0.01▲ 317.4% | 0.05▲ 383.0% | -0.08▼ 267.3% | -0.31▼ 283.7% | -0.72▼ 132.3% | -0.14▲ 0% |
| EPS Growth % | - | - | 383% | -267.29% | -283.66% | -132.26% | 75.4% |
| EPS (Basic) | -0.00 | 0.02 | -0.04 | -0.08 | -0.31 | -0.72 | - |
| Diluted Shares Outstanding | 7.46M | 225M | 81.6M | 82.55M | 85.44M | 96M | 102.01M |
| Basic Shares Outstanding | 7.46M | 1.3B | 491.04M | 82.55M | 85.44M | 96M | 102.01M |
| Dividend Payout Ratio | - | - | - | - | - | - | - |
SDA Balance Sheet
SunCar Technology Group Inc. (SDA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'20 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 76.32K | 165.34M | 110.64K | 145.35M | 175.2M | 196.27M | 220.05M |
| Cash & Short-Term Investments | 76.32K | 754.44K | 110.64K | 47.74M | 52.45M | 47.85M | 48.14M |
| Cash Only | 76.32K | 754.44K | 110.64K | 21.2M | 30.85M | 26.86M | 26.49M |
| Short-Term Investments | 0 | 0 | 0 | 26.54M | 21.6M | 20.98M | 21.64M |
| Accounts Receivable | 0 | 48.98M | 85.64M | 85.62M | 56.04M | 78.78M | 75.34M |
| Days Sales Outstanding | - | 74.83 | 125.41 | 110.66 | 56.24 | 65.07 | 66.16 |
| Inventory | 0 | -134.14K | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 115.6M | -85.64M | 6.27M | 66.7M | 3.06M | 96.57M |
| Total Non-Current Assets | 0 | 57.5M | 58.75M | 46.62M | 48.04M | 50.45M | 53.93M |
| Property, Plant & Equipment | 0 | 13.25M | 10.74M | 18.84M | 23.75M | 28.27M | 25M |
| Fixed Asset Turnover | - | 18.03x | 23.21x | 14.99x | 15.32x | 15.63x | 15.86x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 14.95M | 23.53M | 13.63M | 12.01M | 11.46M | 0 |
| Long-Term Investments | 0 | 307K | 314K | 290K | 282K | 274K | 1.11M |
| Other Non-Current Assets | 0 | 28.99M | 12.09M | 794K | 0 | 0 | 22M |
| Total Assets | 76.32K▲ 0% | 58.39M▲ 76406.8% | 58.87M▲ 0.8% | 191.97M▲ 226.1% | 223.24M▲ 16.3% | 246.73M▲ 10.5% | 273.98M▲ 0% |
| Asset Turnover | - | 4.09x | 4.23x | 1.47x | 1.63x | 1.79x | 1.74x |
| Asset Growth % | - | 76406.85% | 0.82% | 226.11% | 16.29% | 10.52% | 46.42% |
| Total Current Liabilities | 85.94K | 113.15M | 664.98K | 155.19M | 124.39M | 156.76M | 172.41M |
| Accounts Payable | 79.53K | 0 | 0 | 24.2M | 26.64M | 56.81M | 65.98M |
| Days Payables Outstanding | - | - | - | 38.03 | 30.19 | 53.11 | 66.72 |
| Short-Term Debt | 0 | 60.88M | 575K | 74.65M | 83.03M | 83.6M | 87.68M |
| Deferred Revenue (Current) | 0 | 0 | 0 | 3.57M | 3.05M | 2.42M | 8.24M |
| Other Current Liabilities | 6.41K | 52.19M | 0 | 50.92M | 9.86M | 3.9M | 14.28M |
| Current Ratio | 0.89x | 1.46x | 0.17x | 0.94x | 1.41x | 1.25x | 1.25x |
| Quick Ratio | 0.89x | 1.46x | 0.17x | 0.94x | 1.41x | 1.25x | 1.25x |
| Cash Conversion Cycle | - | - | - | - | - | - | -0.56 |
| Total Non-Current Liabilities | 0 | 48.51M | 2.85M | 0 | 30.85M | 23.73M | 12.79M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 504K | 21K | 102K |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 46.5M | 2.85M | 0 | 30.35M | 23.71M | 69.59M |
| Total Liabilities | 85.94K | 2.84M | 3.52M | 155.19M | 155.25M | 180.49M | 185.21M |
| Total Debt | 0 | 60.88M | 575K | 74.97M | 84.28M | 84.16M | 87.71M |
| Net Debt | -76.32K | -754.44K | 464.36K | 53.77M | 53.43M | 57.3M | 61.22M |
| Debt / Equity | - | 1.10x | 0.01x | 2.04x | 1.24x | 1.27x | 1.27x |
| Debt / EBITDA | - | 6.44x | 0.04x | - | - | - | 11.67x |
| Net Debt / EBITDA | -0.44x | -0.08x | 0.03x | - | - | - | 8.15x |
| Interest Coverage | - | 3.73x | - | -3.44x | -3.49x | -12.89x | 0.54x |
| Total Equity | -9.63K▲ 0% | 55.55M▲ 577219.5% | 55.35M▼ 0.4% | 36.78M▼ 33.6% | 67.99M▲ 84.9% | 66.23M▼ 2.6% | 88.77M▲ 0% |
| Equity Growth % | - | 577219.47% | -0.36% | -33.55% | 84.88% | -2.58% | 68.57% |
| Book Value per Share | -0.00 | 0.25 | 0.68 | 0.45 | 0.80 | 0.69 | 0.87 |
| Total Shareholders' Equity | -9.63K | 55.55M | 55.35M | -5.28M | 16.08M | 11.89M | 29.13M |
| Common Stock | 25K | 60.26M | 61.51M | 3K | 4K | 5K | 11K |
| Retained Earnings | -34.63K | -4.7M | -6.24M | -99.58M | -126.72M | -195.39M | -202.87M |
| Treasury Stock | 0 | -10K | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | -3.67K | 82.4K | -1.48M | -1.37M | -1.43M | -1.38M |
| Minority Interest | 0 | 46.49M | 0 | 42.06M | 51.91M | 54.34M | 59.64M |
SDA Cash Flow Statement
SunCar Technology Group Inc. (SDA) cash flow — operating, investing & free cash flow history
| Line item | Jun'20 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|
| Cash from Operations | -28.21K | 18.63M | -25.57M | -16.14M | -27.65M | 11.84M | 11.84M |
| Operating CF Margin % | - | 7.8% | -10.26% | -5.72% | -7.6% | 2.68% | - |
| Operating CF Growth % | - | 66135.8% | -237.22% | 36.86% | -71.28% | 142.82% | -443.25% |
| Net Income | -34.63K | 6.62M | 0 | -10.9M | -26.91M | -64.45M | -14.56M |
| Depreciation & Amortization | 0 | 0 | 0 | 5.7M | 4.87M | 5.28M | 6.62M |
| Stock-Based Compensation | 0 | 520K | 1.67M | 1.6M | 1.52M | 63.53M | 1.49M |
| Deferred Taxes | 0 | -2.33M | -5.72M | -1.95M | 701K | 1.24M | 1.8M |
| Other Non-Cash Items | 0 | 8.79M | 25.35M | 25.93M | 15.98M | 2.21M | 20.36M |
| Working Capital Changes | 6.41K | 5.04M | -46.87M | -36.51M | -23.8M | 4.04M | -18.42M |
| Change in Receivables | 0 | 0 | -35.07M | -32.64M | 30.82M | -22.71M | -3.41M |
| Change in Inventory | 0 | 0 | 0 | 32.64M | 0 | 0 | 0 |
| Change in Payables | 0 | 53K | 0 | -5.02M | 3.14M | 31.34M | 3M |
| Cash from Investing | 0 | -29.16M | -20.68M | -5.92M | -2.39M | -12.15M | -11.37M |
| Capital Expenditures | 0 | -9.49M | -1.28M | -4.35M | -4.93M | -588K | -280K |
| CapEx % of Revenue | - | 3.97% | 0.52% | 1.54% | 1.35% | 0.13% | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | -2.21M |
| Investments | - | - | - | - | - | - | - |
| Other Investing | 0 | -9.29M | -19.4M | -1.72M | -1.67M | -11.58M | -8.64M |
| Cash from Financing | 104.53K | 43.88M | -66K | 10.64M | 40.43M | -2.95M | 15.65M |
| Debt Issued (Net) | 0 | 0 | 0 | 11.15M | 10.54M | 2.88M | 5.31M |
| Equity Issued (Net) | 0 | 1000K | 0 | 0 | -1000K | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -2M | 0 | -15.76M |
| Other Financing | 104.53K | -15.29M | -66K | -510K | 31.9M | -5.83M | -15.53M |
| Net Change in Cash | 76.32K▲ 0% | 678.12K▲ 788.6% | -45.06M▼ 6744.5% | -14M▲ 68.9% | 9.68M▲ 169.1% | -4.08M▼ 142.2% | 3.5M▲ 0% |
| Free Cash Flow | -28.21K▲ 0% | 9.14M▲ 32508.3% | -1.3M▼ 114.3% | -20.5M▼ 1472.5% | -32.58M▼ 59.0% | 11.25M▲ 134.5% | -693K▲ 0% |
| FCF Margin % | - | 3.83% | -0.52% | -7.26% | -8.96% | 2.55% | -0.15% |
| FCF Growth % | - | 32508.29% | -114.25% | -1472.51% | -58.96% | 134.54% | 86.47% |
| FCF per Share | -0.00 | 0.04 | -0.02 | -0.25 | -0.38 | 0.12 | 0.12 |
| FCF Conversion (FCF/Net Income) | 0.81x | -1.43x | 1.08x | 2.42x | 1.03x | -0.17x | 0.05x |
| Interest Paid | 0 | 0 | 0 | 3.78M | 3.67M | 3.67M | 3.49M |
| Taxes Paid | 0 | 0 | 0 | 2.46M | 2.58M | 1.47M | 1.09M |
SDA Key Ratios
SunCar Technology Group Inc. (SDA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -46.79% | -42.78% | -14.48% | -51.38% | -102.31% | -17.61% |
| Return on Invested Capital (ROIC) | 10.17% | 9.06% | -12.89% | -10.94% | -35.74% | -35.74% |
| Gross Margin | 11.5% | 14.91% | 17.75% | 11.46% | 11.65% | 22.08% |
| Net Margin | -5.44% | -9.52% | -2.36% | -7.4% | -15.54% | -3.12% |
| Debt / Equity | 1.10x | 0.01x | 2.04x | 1.24x | 1.27x | 1.27x |
| Interest Coverage | 3.73x | - | -3.44x | -3.49x | -12.89x | 0.54x |
| FCF Conversion | -1.43x | 1.08x | 2.42x | 1.03x | -0.17x | 0.05x |
| Revenue Growth | - | 4.32% | 13.31% | 28.8% | 21.49% | 13.96% |
SDA Frequently Asked Questions
SunCar Technology Group Inc. (SDA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
SunCar Technology Group Inc. (SDA) reported $467.3M in revenue for fiscal year 2024.
SunCar Technology Group Inc. (SDA) grew revenue by 21.5% over the past year. This is strong growth.
SunCar Technology Group Inc. (SDA) reported a net loss of $14.6M for fiscal year 2024.
Dividend & Returns
SunCar Technology Group Inc. (SDA) has a return on equity (ROE) of -102.3%. Negative ROE indicates the company is unprofitable.
SunCar Technology Group Inc. (SDA) had negative free cash flow of $0.7M in fiscal year 2024, likely due to heavy capital investments.
Explore More SDA
SunCar Technology Group Inc. (SDA) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates