Sentage Holdings Inc.(SNTG)Earnings, Financials & Key Ratios
SNTG•NASDAQ•Banking & Credit
$2.19
$6M mkt cap·Price updated May 6, 2026
AboutSentage Holdings Inc. provides a range of financial services. The company offers consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China. Sentage Holdings Inc. was incorporated in 2019 and is based in Shanghai, the People's Republic of China.Show more
- Net Interest Income$0
- Total Revenue$108K-26.6%
- Net Income-$2M-5.3%
- Return on Equity-17.86%-23.9%
- Net Interest Margin0%
- Efficiency Ratio1707.74%+31.9%
- ROA-16.31%-18.1%
- Equity / Assets87.55%-7.6%
- Book Value per Share3.65-29.2%
- Tangible BV/Share3.63-29.1%
- Debt/Equity0.01-57.9%
SNTG Key Insights
Sentage Holdings Inc. (SNTG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Well capitalized: 87.6% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
- ✗High cost structure: 1707.7% efficiency ratio
- ✗Shares diluted 18.0% 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.
SNTG Price & Volume
Sentage Holdings Inc. (SNTG) stock price & volume — 10-year historical chart
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SNTG Growth Metrics
Sentage Holdings Inc. (SNTG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-51.4%
3 Years-63.78%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-329.51%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-147.37%
Return on Capital
10 Years110.97%
5 Years21.56%
3 Years-14.7%
Last Year-14.51%
SNTG Peer Comparison
Sentage Holdings Inc. (SNTG) 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 |
|---|---|---|---|---|---|---|---|---|
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 28.76% | 0.07 | ||
 FINV | 2.96B | 5.22 | 3.93 | 3.69% | 17.43% | 0.00 | ||
 LX | 154.1M | 2.16 | 2.27 | 8.78% | 14.68% | 0.49 | ||
 JFIN | 532.44M | 4.93 | 1.69 | 6.11% | 26.17% | 39.74% | 0.02 | |
 CNF | 1.03M | 3.06 | -0.02 | -60.88% | -1.25% | 1.18 | ||
 CLPS | 25.89M | 0.93 | -3.56 | 15.17% | -1.27% | -6.06% | 0.59 | |
 RCON | 17.7M | 0.89 | -1.29 | -3.73% | -64.25% | -9.15% | 0.08 | |
 TIGR | 676.45M | 6.93 | 19.25 | 43.68% | 17.64% | 0.27 |
Compare SNTG vs Peers
Sentage Holdings Inc. (SNTG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SNTG Income Statement
Sentage Holdings Inc. (SNTG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | -354 | 0 | 0 | 0 | 0 | 0 |
| NII Growth % | - | - | - | 100% | - | - | - | 0% |
| Net Interest Margin % | 0% | 0% | -0.01% | 0% | 0% | 0% | 0% | 0% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 354 | 0 | 0 | 0 | 0 | 0 |
| Loan Loss Provision | 0 | 0 | -354 | 34.56K | 17.83K | 12.6K | 8.07K | 104.34K |
| Non-Interest Income | 6.39M | 3.97M | 3.6M | 2.26M | 161.37K | 146.55K | 107.51K | 253.98K |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 6.39M▲ 0% | 3.97M▼ 37.9% | 3.6M▼ 9.3% | 2.26M▼ 37.1% | 161.37K▼ 92.9% | 146.55K▼ 9.2% | 107.51K▼ 26.6% | 253.98K▲ 0% |
| Revenue Growth % | - | -37.94% | -9.33% | -37.07% | -92.87% | -9.18% | -26.64% | 882.15% |
| Non-Interest Expense | 4.83M | 1.53M | 1.41M | 3.01M | 2.71M | 1.9M | 1.84M | 2.65M |
| Efficiency Ratio | 75.53% | 38.54% | 39.36% | 132.9% | 1682.17% | 1294.75% | 1707.74% | 1044.61% |
| Operating Income | 1.56M▲ 0% | 2.44M▲ 55.9% | 2.18M▼ 10.5% | -778.97K▼ 135.7% | -2.57M▼ 230.1% | -1.76M▲ 31.4% | -1.74M▲ 1.5% | -3.22M▲ 0% |
| Operating Margin % | 24.47% | 61.46% | 60.64% | -34.43% | -1593.22% | -1203.35% | -1615.25% | -1266.29% |
| Operating Income Growth % | - | 55.86% | -10.54% | -135.73% | -230.05% | 31.41% | 1.53% | - |
| Pretax Income | 1.54M▲ 0% | 2.45M▲ 58.7% | 2.18M▼ 10.9% | -835.9K▼ 138.3% | -2.56M▼ 206.5% | -1.9M▲ 25.7% | -2M▼ 5.3% | -3.62M▲ 0% |
| Pretax Margin % | 24.11% | 61.68% | 60.63% | -36.95% | -1587.58% | -1298.69% | -1864.84% | -1426.96% |
| Income Tax | 386.3K | 611.36K | 592.7K | 257.34K | 0 | 0 | 0 | 0 |
| Effective Tax Rate % | 25.07% | 25% | 27.19% | -30.79% | 0% | 0% | 0% | 0% |
| Net Income | 1.15M▲ 0% | 1.83M▲ 58.9% | 1.59M▼ 13.5% | -1.09M▼ 168.9% | -2.56M▼ 134.3% | -1.9M▲ 25.7% | -2M▼ 5.3% | -3.62M▲ 0% |
| Net Margin % | 18.07% | 46.26% | 44.15% | -48.32% | -1587.58% | -1298.69% | -1864.84% | -1426.96% |
| Net Income Growth % | - | 58.89% | -13.46% | -168.87% | -134.34% | 25.71% | -5.34% | -329.51% |
| Net Income (Continuing) | 1.15M | 1.83M | 1.59M | -1.09M | -2.56M | -1.9M | -2M | -3.62M |
| EPS (Diluted) | 0.41▲ 0% | 0.61▲ 48.8% | 0.53▼ 13.1% | -0.39▼ 173.6% | -1.08▼ 176.9% | -0.80▲ 25.9% | -0.71▲ 11.3% | -1.52▲ 0% |
| EPS Growth % | - | 48.78% | -13.11% | -173.58% | -176.92% | 25.93% | 11.25% | -147.37% |
| EPS (Basic) | 0.41 | 0.61 | 0.53 | -0.39 | -1.08 | -0.80 | -0.71 | - |
| Diluted Shares Outstanding | 2.8M | 2.99M | 2.99M | 2.8M | 2.38M | 2.38M | 2.81M | 2.38M |
SNTG Balance Sheet
Sentage Holdings Inc. (SNTG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 142.72K | 227.39K | 117.43K | 10.75M | 3.81M | 2.26M | 1.26M | 5.89M |
| Cash & Due from Banks | 142.72K | 227.39K | 117.43K | 10.75M | 3.81M | 2.26M | 1.26M | 750.99K |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | -1.29M | -9.39K | -777.88K | -65.17K | -55.96K | 1M | 9.07M | 0 |
| Investments Growth % | - | 99.27% | -8179.72% | 91.62% | 14.14% | 1887.05% | 807.5% | 2773.11% |
| Long-Term Investments | -1.29M | -9.39K | -777.88K | -65.17K | -55.96K | 1M | 9.07M | 13.57M |
| Accounts Receivables | 0 | 236.58K | - | 403.71K | 433.51K | 284.63K | -73.78K | 0 |
| Goodwill & Intangibles | 142.25K | 98.02K | 61.8K | 30.55K | 89.47K | 66.86K | 51.96K | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 142.25K | 98.02K | 61.8K | 30.55K | 89.47K | 66.86K | 51.96K | 0 |
| PP&E (Net) | 144.87K | 128.84K | 123.67K | 120.28K | 215.29K | 137.41K | 199.47K | 170.21K |
| Other Assets | 1.29M | 9.39K | 777.88K | 65.17K | 55.96K | 0 | 0 | -228.09K |
| Total Current Assets | 607.09K | 936.09K | 2.51M | 17.2M | 14.34M | 11.69M | 2.34M | 0 |
| Total Non-Current Assets | 1.58M | 895.98K | 273.44K | 164.55K | 317.45K | 1.22M | 9.34M | 0 |
| Total Assets | 2.19M▲ 0% | 1.83M▼ 16.2% | 2.78M▲ 52.0% | 17.37M▲ 523.7% | 14.66M▼ 15.6% | 12.91M▼ 11.9% | 11.68M▼ 9.5% | 11.14M▲ 0% |
| Asset Growth % | - | -16.2% | 51.99% | 523.67% | -15.59% | -11.94% | -9.52% | -38.87% |
| Return on Assets (ROA) | 52.81% | 91.3% | 68.77% | -10.85% | -16% | -13.81% | -16.31% | -32.54% |
| Accounts Payable | 2.54K | 4.61K | 4.91K | 2.74K | 8.65K | 5.99K | 5.82K | 0 |
| Total Debt | 929.13K | 1.21M | 1.44M | 161.02K | 166.22K | 416.46K | 146.6K | 1.5M |
| Net Debt | 786.41K | 982.3K | 1.32M | -10.59M | -3.64M | -2.19M | -1.11M | 746.55K |
| Long-Term Debt | 929.13K | 1.21M | 1.44M | 161.02K | 4.71K | 0 | 1.08M | 1.39M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 87.13K | 72.23K | 83.76K | 86.89K |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 344.24K | 0 | -1.41M |
| Total Current Liabilities | 5.05M | 1.4M | 495.49K | 382.73K | 404.78K | 335.01K | 314.56K | 0 |
| Total Non-Current Liabilities | 929.13K | 1.21M | 1.44M | 161.02K | 79.09K | 344.24K | 1.14M | 0 |
| Total Liabilities | 5.98M | 2.6M | 1.93M | 543.75K | 483.87K | 679.25K | 1.45M | 1.72M |
| Total Equity | -3.79M▲ 0% | -772.93K▲ 79.6% | 851.44K▲ 210.2% | 16.82M▲ 1875.8% | 14.17M▼ 15.7% | 12.23M▼ 13.7% | 10.23M▼ 16.4% | 9.41M▲ 0% |
| Equity Growth % | - | 79.6% | 210.16% | 1875.82% | -15.74% | -13.72% | -16.38% | -60.14% |
| Equity / Assets (Capital Ratio) | -173.31% | -42.19% | 30.58% | 96.87% | 96.7% | 94.74% | 87.55% | 84.52% |
| Return on Equity (ROE) | - | - | 4043.44% | -12.37% | -16.53% | -14.42% | -17.86% | -38.49% |
| Book Value per Share | -1.35 | -0.26 | 0.28 | 6.01 | 5.96 | 5.15 | 3.65 | 3.96 |
| Tangible BV per Share | -1.40 | -0.29 | 0.26 | 6.00 | 5.93 | 5.12 | 3.63 | 3.96 |
| Common Stock | 10K | 10K | 10K | 14K | 14.03K | 14.03K | 14.03K | 14.03K |
| Additional Paid-in Capital | 37.27M | 38.42M | 38.42M | 55.33M | 55.33M | 55.33M | 55.33M | 55.33M |
| Retained Earnings | -41.06M | -39.23M | -37.64M | -38.9M | -41.46M | -43.36M | -45.37M | -46.17M |
| Accumulated OCI | -9.57K | 24K | 60.99K | 379.73K | 293.65K | 251.86K | 253.3K | 239.47K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SNTG Cash Flow Statement
Sentage Holdings Inc. (SNTG) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -4.63M | -1.38M | 465.21K | -382.66K | -6.66M | -1.83M | -1.75M | -1.75M |
| Operating CF Growth % | - | 70.3% | 133.83% | -182.26% | -1641.11% | 72.58% | 4.3% | 119.19% |
| Net Income | 1.15M | 1.83M | 1.59M | -1.09M | -2.56M | -1.9M | -2M | -3.62M |
| Depreciation & Amortization | 174.14K | 57.02K | 53.52K | 62.97K | 57.43K | 105.64K | 111.01K | 314.95K |
| Deferred Taxes | 386.3K | 611.36K | 592.7K | 74.24K | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 1.69K | -10.75K | 0 | 54.9K | 4.55K | 134.81K | 361.77K | 413.27K |
| Working Capital Changes | -6.35M | -3.87M | -1.77M | 518.47K | -4.16M | -164.12K | -216.32K | -464.38K |
| Cash from Investing | -13.3K | 10.75K | 0 | -5.52M | -34.35K | -23.43K | 0 | -22.9K |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 10.75K | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 0 | -5.5M | 0 | 0 | 0 | 0 |
| Cash from Financing | 4.44M | 1.44M | -585.86K | 16.4M | -173.16K | 339.53K | 732.28K | 1.39M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | -765.88K | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 16.91M | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | -765.88K | 16.91M | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 180.03K | -1000K | -156.31K | 339.53K | 732.28K | 1.05M |
| Other Financing | 0 | 0 | 0 | 765.88K | -16.85K | 0 | 0 | 344.24K |
| Net Change in Cash | -40.64K▲ 0% | 85.66K▲ 310.8% | -110.65K▼ 229.2% | 10.64M▲ 9718.7% | -6.96M▼ 165.3% | -1.54M▲ 77.9% | -1.01M▲ 34.3% | -1.99M▲ 0% |
| Exchange Rate Effect | 162.35K | 6.94K | 10K | 144.35K | -85.05K | -28.36K | 5.05K | -4.37K |
| Cash at Beginning | 206.01K | 165.37K | 251.03K | 140.38K | 10.78M | 3.83M | 2.29M | 1.28M |
| Cash at End | 165.37K | 251.03K | 140.38K | 10.78M | 3.83M | 2.29M | 1.28M | 750.99K |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -4.64M▲ 0% | -1.38M▲ 70.4% | 465.21K▲ 133.8% | -402.64K▼ 186.6% | -6.7M▼ 1563.3% | -1.85M▲ 72.4% | -1.75M▲ 5.5% | -3.38M▲ 0% |
| FCF Growth % | - | 70.38% | 133.83% | -186.55% | -1563.26% | 72.37% | 5.51% | 62.45% |
SNTG Banking Ratios
Sentage Holdings Inc. (SNTG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | 4043.44% | -12.37% | -16.53% | -14.42% | -17.86% | -38.49% |
| Return on Assets (ROA) | 91.3% | 68.77% | -10.85% | -16% | -13.81% | -16.31% | -32.54% |
| Net Interest Margin | 0% | -0.01% | 0% | 0% | 0% | 0% | 0% |
| Efficiency Ratio | 38.54% | 39.36% | 132.9% | 1682.17% | 1294.75% | 1707.74% | 1044.61% |
| Equity / Assets | -42.19% | 30.58% | 96.87% | 96.7% | 94.74% | 87.55% | 84.52% |
| Book Value / Share | -0.26 | 0.28 | 6.01 | 5.96 | 5.15 | 3.65 | 3.96 |
| NII Growth | - | - | 100% | - | - | - | - |
| Dividend Payout | - | - | - | - | - | - | 0% |
SNTG Frequently Asked Questions
Sentage Holdings Inc. (SNTG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Sentage Holdings Inc. (SNTG) saw revenue decline by 26.6% over the past year.
Sentage Holdings Inc. (SNTG) reported a net loss of $3.6M for fiscal year 2024.
Dividend & Returns
Sentage Holdings Inc. (SNTG) has a return on equity (ROE) of -17.9%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Sentage Holdings Inc. (SNTG) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Sentage Holdings Inc. (SNTG) has an efficiency ratio of 1707.7%. This is higher than peers, suggesting room for cost optimization.
Explore More SNTG
Sentage Holdings Inc. (SNTG) financial analysis — history, returns, DCA and operating performance tools
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