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SDA logoSunCar Technology Group Inc.(SDA)Earnings, Financials & Key Ratios

SDA•NASDAQ
Price updated Jun 19, 2026
SectorConsumer CyclicalIndustryAuto DealershipsSub-IndustryAuto Service, Repair and Aftermarket
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$489M+10.7%
  • EBITDA$11M+120.4%
  • Net Income-$4M+94.3%
  • EPS (Diluted)-0.04+94.4%
  • Gross Margin10.37%-11.0%
  • EBITDA Margin2.21%+118.4%
  • Operating Margin0.79%+106.0%
  • Net Margin-0.81%+94.8%
  • ROE-5.02%+95.1%

SDA Key Insights

SunCar Technology Group Inc. (SDA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 21.2%
  • ✓Strong 5Y sales CAGR of 15.4%
  • ✓Trading at only 0.9x book value
  • ✓Efficient asset utilization: 1.9x turnover

✗Weaknesses

  • ✗Weak momentum: RS Rating 4 (bottom 4%)
  • ✗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.

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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 Years15.41%
3 Years20.1%
TTM16.91%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM92.72%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM93.53%

Return on Capital

10 Years-10.41%
5 Years-17.87%
3 Years-26.89%
Last Year3.97%

SDA Recent Earnings

SunCar Technology Group Inc. (SDA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
May 27, 2026
Metric
Actual
Est
EPS
$0.01+0.0%
$0.01
Rev
$131M-1.0%
$132M
Q2 2026
Apr 2, 2026
Metric
Actual
Est
EPS
$0.03-25.0%
$0.04
Rev
$151M-0.6%
$152M
Q4 2025
Dec 18, 2025
Metric
Actual
Est
EPS
$0.00-103.0%
$0.03
Rev
$116M-3.1%
$119M
Q4 2025
Sep 19, 2025
Metric
Actual
Est
EPS
$0.07-275.4%
$0.04
Rev
$120M-15.7%
$142M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 27, 2026
$0.01vs $0.01+0.0%
$131Mvs $132M-1.0%
Q2 2026Apr 2, 2026
$0.03vs $0.04-25.0%
$151Mvs $152M-0.6%
Q4 2025Dec 18, 2025
$0.00vs $0.03-103.0%
$116Mvs $119M-3.1%
Q4 2025Sep 19, 2025
$0.07vs $0.04-275.4%
$120Mvs $142M-15.7%
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

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ACMR logoACMRACM Research, Inc.Direct Competitor7.28B109.8780.2015.24%9.48%5.13%0.16
RCON logoRCONRecon Technology, Ltd.Direct Competitor10.03M0.50-0.72-3.73%-64.25%-9.15%0.08
AIXI logoAIXIXiao-I CorporationDirect Competitor3.31M6.26-0.04-82.47%-140.37%
KXIN logoKXINKaixin Auto HoldingsDirect Competitor4.84M4.40-0.10-100%-694.94%-5.94%0.08
CARG logoCARGCarGurus, Inc.Product Competitor2.9B30.0219.374.99%15.57%41.93%0.51
CARS logoCARSCars.com Inc.Product Competitor556.24M9.9531.090.57%3.73%5.71%0.99
TRUE logoTRUETrueCar, Inc.Product Competitor225.91M2.54-7.4710.64%-10.27%-16.3%0.10
OPEN logoOPENOpendoor Technologies Inc.Product Competitor3.43B4.47-2.63-15.18%-35.25%-163.25%0.19

Compare SDA vs Peers

SunCar Technology Group Inc. (SDA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ACMR

Most directly comparable listed peer for SDA.

Scale Benchmark

vs GOOG

Larger-name benchmark to compare SDA against a more recognizable public peer.

Peer Set

Compare Top 5

vs ACMR, RCON, AIXI, KXIN

SDA Income Statement

SunCar Technology Group Inc. (SDA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricJun'20Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Sales/Revenue
0238.93M249.24M282.41M363.75M441.9M489.29M517.86M
Revenue Growth %
--4.32%13.31%28.8%21.49%10.73%16.91%
Cost of Goods Sold
0211.45M212.07M232.29M322.06M390.43M438.56M455.37M
COGS % of Revenue
-88.5%85.09%82.25%88.54%88.35%89.63%-
Gross Profit
0▲ 0%
27.48M▲ 0%
37.16M▲ 35.2%
50.12M▲ 34.9%
41.69M▼ 16.8%
51.46M▲ 23.4%
50.74M▼ 1.4%
62.5M▲ 0%
Gross Margin %
-11.5%14.91%17.75%11.46%11.65%10.37%12.07%
Gross Profit Growth %
--35.24%34.87%-16.82%23.45%-1.41%-
Operating Expenses
019.64M26.8M62.7M57.15M109.83M46.85M52.64M
OpEx % of Revenue
-8.22%10.75%22.2%15.71%24.85%9.58%-
Selling, General & Admin
014.62M23.15M54.22M43.04M69.58M37.89M43.44M
SG&A % of Revenue
-6.12%9.29%19.2%11.83%15.75%7.74%-
Research & Development
05.03M3.65M8.48M14.11M40.24M8.96M9.2M
R&D % of Revenue
-2.1%1.46%3%3.88%9.11%1.83%-
Other Operating Expenses
00000000
Operating Income
0▲ 0%
7.83M▲ 0%
10.36M▲ 32.2%
-12.58M▼ 221.4%
-15.46M▼ 22.9%
-58.36M▼ 277.5%
3.88M▲ 106.7%
9.86M▲ 0%
Operating Margin %
-3.28%4.16%-4.45%-4.25%-13.21%0.79%1.9%
Operating Income Growth %
--32.23%-221.41%-22.94%-277.46%106.66%-
EBITDA
171.86K9.45M14.41M-6.88M-10.59M-53.09M10.82M16.21M
EBITDA Margin %
-3.95%5.78%-2.44%-2.91%-12.01%2.21%3.13%
EBITDA Growth %
-5396.92%52.58%-147.73%-53.98%-401.09%120.38%131.61%
D&A (Non-Cash Add-back)
171.86K1.61M4.05M5.7M4.87M5.28M6.93M6.36M
EBIT
-34.63K7.83M10.36M-7.01M-10.57M-57.07M2.19M9.98M
Net Interest Income
0-2.1M20.07K-3.66M-4.43M-4.53M-4.24M-4.02M
Interest Income
03.2K20.07K0000211K
Interest Expense
02.1M03.66M4.43M4.53M4.24M4.24M
Other Income/Expense
-34.63K540K171K1.9M455K-3.24M-5.94M-6.17M
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%
-2.05M▲ 96.7%
3.69M▲ 0%
Pretax Margin %
-3.5%4.22%-3.78%-4.13%-13.94%-0.42%0.71%
Income Tax
01.75M938K231K2.57M2.85M346K878K
Effective Tax Rate %
0%20.92%8.91%-2.16%-17.14%-4.63%-16.85%23.82%
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%
-3.94M▲ 94.3%
-2.97M▲ 0%
Net Margin %
--5.44%-9.52%-2.36%-7.4%-15.54%-0.81%-0.57%
Net Income Growth %
--37424.91%-82.57%71.89%-303.54%-155.14%94.26%92.72%
Net Income (Continuing)
-34.63K6.62M9.59M-10.9M-17.58M-64.45M-2.4M2.81M
Discontinued Operations
0-16.4M-27.66M-994K0000
Minority Interest
00042.06M51.91M54.34M58.13M59.97M
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%
-0.04▲ 94.4%
-0.03▲ 0%
EPS Growth %
--383%-267.29%-283.66%-132.26%94.44%93.53%
EPS (Basic)
-0.000.02-0.04-0.08-0.31-0.72-0.04-
Diluted Shares Outstanding
7.46M225M81.6M82.55M85.44M96M102.08M102.01M
Basic Shares Outstanding
7.46M1.3B491.04M82.55M85.44M96M102.08M102.01M
Dividend Payout Ratio
--------

SDA Balance Sheet

SunCar Technology Group Inc. (SDA) balance sheet — assets, liabilities & shareholders' equity

MetricJun'20Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Current Assets
76.32K888.58K110.64K145.35M175.2M196.27M183.3M192.87M
Cash & Short-Term Investments
76.32K754.44K110.64K47.74M52.45M47.85M46.62M35.33M
Cash Only
76.32K754.44K110.64K21.2M30.85M26.86M25.02M13.48M
Short-Term Investments
00026.54M21.6M20.98M21.6M21.85M
Accounts Receivable
0085.64M85.62M56.04M78.78M66.1M50.45M
Days Sales Outstanding
--125.41110.6656.2465.0749.3151.01
Inventory
00000000
Days Inventory Outstanding
--------
Other Current Assets
00-85.64M6.27M66.7M3.06M3.14M7.83M
Total Non-Current Assets
057.5M58.75M46.62M48.04M50.45M69.9M66.1M
Property, Plant & Equipment
0010.74M18.84M23.75M28.27M51.92M53.61M
Fixed Asset Turnover
--23.21x14.99x15.32x15.63x9.42x13.24x
Goodwill
00000000
Intangible Assets
0023.53M13.63M12.01M11.46M408K413K
Long-Term Investments
00314K290K282K274K286K1.14M
Other Non-Current Assets
057.5M12.09M794K005.34M0
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%
253.2M▲ 2.6%
258.96M▲ 0%
Asset Turnover
-4.09x4.23x1.47x1.63x1.79x1.93x1.95x
Asset Growth %
-76406.85%0.82%226.11%16.29%10.52%2.62%18.69%
Total Current Liabilities
85.94K87.48K664.98K155.19M124.39M156.76M147.26M150.55M
Accounts Payable
79.53K0024.2M26.64M56.81M41.4M46.92M
Days Payables Outstanding
---38.0330.1953.1134.4646.25
Short-Term Debt
00575K74.65M83.03M83.6M80.47M82.12M
Deferred Revenue (Current)
0003.57M3.05M2.42M5.73M14.12M
Other Current Liabilities
6.41K0050.92M9.86M3.9M5.54M3.25M
Current Ratio
0.89x10.16x0.17x0.94x1.41x1.25x1.24x1.28x
Quick Ratio
0.89x10.16x0.17x0.94x1.41x1.25x1.24x1.28x
Cash Conversion Cycle
-------4.76
Total Non-Current Liabilities
02.75M2.85M030.85M23.73M15.26M15.27M
Long-Term Debt
0000001.36M1.38M
Capital Lease Obligations
0000504K21K1.33M2.55M
Deferred Tax Liabilities
00000000
Other Non-Current Liabilities
02.75M2.85M030.35M23.71M12.57M12.74M
Total Liabilities
85.94K2.84M3.52M155.19M155.25M180.49M162.51M165.82M
Total Debt
00575K74.97M84.28M84.16M83.99M85.49M
Net Debt
-76.32K-754.44K464.36K53.77M53.43M57.3M58.97M72.01M
Debt / Equity
--0.01x2.04x1.24x1.27x0.93x0.92x
Debt / EBITDA
--0.04x---7.76x5.27x
Net Debt / EBITDA
-0.44x-0.08x0.03x---5.45x4.44x
Interest Coverage
-3.73x--1.92x-2.38x-12.60x0.52x2.36x
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%
90.68M▲ 36.9%
93.15M▲ 0%
Equity Growth %
-577219.47%-0.36%-33.55%84.88%-2.58%36.91%82.95%
Book Value per Share
-0.000.250.680.450.800.690.890.91
Total Shareholders' Equity
-9.63K55.55M55.35M-5.28M16.08M11.89M32.55M33.17M
Common Stock
25K60.26M61.51M3K4K5K6K11K
Retained Earnings
-34.63K-4.7M-6.24M-99.58M-126.72M-195.39M-199.33M-198.6M
Treasury Stock
00000000
Accumulated OCI
0-3.67K82.4K-1.48M-1.37M-1.43M-1.15M-1.23M
Minority Interest
00042.06M51.91M54.34M58.13M59.97M

SDA Cash Flow Statement

SunCar Technology Group Inc. (SDA) cash flow — operating, investing & free cash flow history

MetricJun'20Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
-28.21K18.63M-25.57M-16.14M-27.65M11.84M5.72M7.05M
Operating CF Margin %
-7.8%-10.26%-5.72%-7.6%2.68%1.17%-
Operating CF Growth %
-66135.8%-237.22%36.86%-71.28%142.82%-51.72%24.84%
Net Income
-34.63K6.62M0-10.9M-26.91M-64.45M-2.4M-2.97M
Depreciation & Amortization
0005.7M4.87M5.28M6.93M7.17M
Stock-Based Compensation
0520K1.67M1.6M1.52M63.53M998K628K
Deferred Taxes
0-2.33M-5.72M-1.95M701K1.24M-1.01M-79K
Other Non-Cash Items
08.79M25.35M25.93M15.98M2.21M6.61M16.18M
Working Capital Changes
6.41K5.04M-46.87M-36.51M-23.8M4.04M-5.42M-14.4M
Change in Receivables
00-35.07M-32.64M30.82M-22.71M14.94M40M
Change in Inventory
00032.64M0000
Change in Payables
053K0-5.02M3.14M31.34M-17.41M-30.88M
Cash from Investing
0-29.16M-20.68M-5.92M-2.39M-12.15M-12.9M-15.53M
Capital Expenditures
0-9.49M-1.28M-4.35M-4.93M-588K-380K-382K
CapEx % of Revenue
-3.97%0.52%1.54%1.35%0.13%0.08%0.07%
Acquisitions
0000000-2.28M
Investments
--------
Other Investing
0-9.29M-19.4M-1.72M-1.67M-11.58M-8.79M-9.19M
Cash from Financing
104.53K43.88M-66K10.64M40.43M-2.95M4.37M-20.08M
Debt Issued (Net)
00011.15M10.54M2.88M-5.25M-4.98M
Equity Issued (Net)
059.16M00-2M025.87M-1.99M
Dividends Paid
00000000
Share Repurchases
0000-2M0-15.76M-1.99M
Other Financing
104.53K-15.29M-66K-510K31.9M-5.83M-16.25M-13.11M
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%
-1.65M▲ 59.5%
-25.27M▲ 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%
5.34M▼ 52.6%
6.66M▲ 0%
FCF Margin %
-3.83%-0.52%-7.26%-8.96%2.55%1.09%1.29%
FCF Growth %
-32508.29%-114.25%-1472.51%-58.96%134.54%-52.57%95.65%
FCF per Share
-0.000.04-0.02-0.25-0.380.120.050.07
FCF Conversion (FCF/Net Income)
0.81x-1.43x1.08x2.42x1.03x-0.17x-1.45x-2.24x
Interest Paid
0003.78M3.67M3.67M3.5M3.52M
Taxes Paid
0002.46M2.58M1.47M1.31M1.08M

SDA Key Ratios

SunCar Technology Group Inc. (SDA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric202020212022202320242025TTM
Return on Equity (ROE)
-46.79%-42.78%-14.48%-51.38%-102.31%-5.02%-3.31%
Return on Invested Capital (ROIC)
21.48%14.05%-12.89%-10.94%-35.74%2.13%4.85%
Gross Margin
11.5%14.91%17.75%11.46%11.65%10.37%12.07%
Net Margin
-5.44%-9.52%-2.36%-7.4%-15.54%-0.81%-0.57%
Debt / Equity
-0.01x2.04x1.24x1.27x0.93x0.92x
Interest Coverage
3.73x--1.92x-2.38x-12.60x0.52x2.36x
FCF Conversion
-1.43x1.08x2.42x1.03x-0.17x-1.45x-2.24x
Revenue Growth
-4.32%13.31%28.8%21.49%10.73%16.91%
Related:SDA Dividend History·SDA Revenue History·SDA Price History·SDA P/E History·SDA Financial Ratios·SDA Institutional Holders

SDA Frequently Asked Questions

SunCar Technology Group Inc. (SDA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

SunCar Technology Group Inc. (SDA) reported $517.9M in revenue for fiscal year 2025.

SunCar Technology Group Inc. (SDA) grew revenue by 10.7% over the past year. This is steady growth.

SunCar Technology Group Inc. (SDA) reported a net loss of $3.0M for fiscal year 2025.

Dividend & Returns

SunCar Technology Group Inc. (SDA) has a return on equity (ROE) of -5.0%. Negative ROE indicates the company is unprofitable.

SunCar Technology Group Inc. (SDA) generated $6.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in SDA back in 2019?

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