Sentage Holdings Inc. (SNTG) 10-Year Financial Performance & Capital Metrics

SNTG • • Banking & Credit

Financial ServicesCredit ServicesCredit Servicing and Structured Finance

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 Margin 0%
Efficiency Ratio 1707.74% +31.9%
ROA -16.31% -18.1%
Equity / Assets 87.55% -7.6%
Book Value per Share 3.65 -29.2%
Tangible BV/Share 3.63 -29.1%
Debt/Equity 0.01 -57.9%

Technical Analysis

Key Insights

Based on financial 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 0.5x 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

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-51.4%

3Y-63.78%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-329.51%

EPS CAGR

10Y-

5Y-

3Y-

TTM-147.37%

ROCE

10Y Avg110.97%

5Y Avg21.56%

3Y Avg-14.7%

Latest-14.51%

Peer Comparison

Credit Servicing and Structured Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BNHBrookfield Finance Inc. 4.625%		15.86	76.73	-10.34%	0.75%	0.61%		1.42
UPSTUpstart Holdings, Inc.	2.67B	27.23	60.51	54.2%	5.13%	4.33%
NRDSNerdWallet, Inc.	343.94M	10.85	16.95	21.67%	5.82%	13%	37.88%
FOAFinance Of America Companies Inc.	232	19.35	16.40	24.25%	0.79%	1.65%		90.98
AGMFederal Agricultural Mortgage Corporation	1.47B	157.66	9.48	-0.77%	11.32%	10.62%	5.45%	17.93
CGABLThe Carlyle Group Inc. 4.625% Subordinated Notes due 2061	6.33B	17.59	6.35	83.06%	18.81%	9.58%	15.96%
KKRSKKR Group Finance Co. IX LLC 4.	15.67B	17.59	3.34	50.89%	22.42%	7.96%	41.53%
YRDYiren Digital Ltd.	673.16M	3.90	0.74	18.59%	27.25%	12.13%	30.64%	0.00

Profit & Loss

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	-354	0	0	0	0
NII Growth %	-	-	-	100%	-	-	-
Net Interest Margin %	-	-	-	-	-	-	-
Interest Income	0	0	0	0	0	0	0
Interest Expense	0	0	354	0	0	0	0
Loan Loss Provision	0	0	-354	34.56K	17.83K	12.6K	8.07K
Non-Interest Income+	6.39M	3.97M	3.6M	2.26M	161.37K	146.55K	107.51K
Non-Interest Income %	-	-	-	-	-	-	-
Total Revenue+	6.39M	3.97M	3.6M	2.26M	161.37K	146.55K	107.51K
Revenue Growth %	-	-37.94%	-9.33%	-37.07%	-92.87%	-9.18%	-26.64%
Non-Interest Expense	4.83M	1.53M	1.41M	3.01M	2.71M	1.9M	1.84M
Efficiency Ratio	-	-	-	-	-	-	-
Operating Income+	1.56M	2.44M	2.18M	-778.97K	-2.57M	-1.76M	-1.74M
Operating Margin %	-	-	-	-	-	-	-
Operating Income Growth %	-	55.86%	-10.54%	-135.73%	-230.05%	31.41%	1.53%
Pretax Income+	1.54M	2.45M	2.18M	-835.9K	-2.56M	-1.9M	-2M
Pretax Margin %	-	-	-	-	-	-	-
Income Tax+	386.3K	611.36K	592.7K	257.34K	0	0	0
Effective Tax Rate %	-	-	-	-	-	-	-
Net Income+	1.15M	1.83M	1.59M	-1.09M	-2.56M	-1.9M	-2M
Net Margin %	-	-	-	-	-	-	-
Net Income Growth %	-	58.89%	-13.46%	-168.87%	-134.34%	25.71%	-5.34%
Net Income (Continuing)	1.15M	1.83M	1.59M	-1.09M	-2.56M	-1.9M	-2M
EPS (Diluted)+	0.41	0.61	0.53	-0.39	-1.08	-0.80	-0.71
EPS Growth %	-	48.78%	-13.11%	-173.58%	-176.92%	25.93%	11.25%
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

Balance Sheet

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	142.72K	227.39K	117.43K	10.75M	3.81M	2.26M	1.26M
Cash & Due from Banks	142.72K	227.39K	117.43K	10.75M	3.81M	2.26M	1.26M
Short Term Investments	0	0	0	0	0	0	0
Total Investments+	-1.29M	-9.39K	-777.88K	-65.17K	-55.96K	1M	9.07M
Investments Growth %	-	99.27%	-8179.72%	91.62%	14.14%	1887.05%	807.5%
Long-Term Investments	-1.29M	-9.39K	-777.88K	-65.17K	-55.96K	1M	9.07M
Accounts Receivables	0	236.58K	-	403.71K	433.51K	284.63K	-73.78K
Goodwill & Intangibles+	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0
Intangible Assets	142.25K	98.02K	61.8K	30.55K	89.47K	66.86K	51.96K
PP&E (Net)	144.87K	128.84K	123.67K	120.28K	215.29K	137.41K	199.47K
Other Assets	1.29M	9.39K	777.88K	65.17K	55.96K	0	0
Total Current Assets	607.09K	936.09K	2.51M	17.2M	14.34M	11.69M	2.34M
Total Non-Current Assets	1.58M	895.98K	273.44K	164.55K	317.45K	1.22M	9.34M
Total Assets+	2.19M	1.83M	2.78M	17.37M	14.66M	12.91M	11.68M
Asset Growth %	-	-16.2%	51.99%	523.67%	-15.59%	-11.94%	-9.52%
Return on Assets (ROA)	52.81%	91.3%	68.77%	-10.85%	-16%	-13.81%	-16.31%
Accounts Payable	2.54K	4.61K	4.91K	2.74K	8.65K	5.99K	5.82K
Total Debt+	929.13K	1.21M	1.44M	161.02K	166.22K	416.46K	146.6K
Net Debt	786.41K	982.3K	1.32M	-10.59M	-3.64M	-2.19M	-1.11M
Long-Term Debt	929.13K	1.21M	1.44M	161.02K	4.71K	0	1.08M
Short-Term Debt	0	0	0	0	87.13K	72.23K	83.76K
Other Liabilities	0	0	0	0	0	344.24K	0
Total Current Liabilities	5.05M	1.4M	495.49K	382.73K	404.78K	335.01K	314.56K
Total Non-Current Liabilities	929.13K	1.21M	1.44M	161.02K	79.09K	344.24K	1.14M
Total Liabilities	5.98M	2.6M	1.93M	543.75K	483.87K	679.25K	1.45M
Total Equity+	-3.79M	-772.93K	851.44K	16.82M	14.17M	12.23M	10.23M
Equity Growth %	-	79.6%	210.16%	1875.82%	-15.74%	-13.72%	-16.38%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-
Return on Equity (ROE)	-	-	4043.44%	-12.37%	-16.53%	-14.42%	-17.86%
Book Value per Share	-1.35	-0.26	0.28	6.01	5.96	5.15	3.65
Tangible BV per Share	-	-	-	-	-	-	-
Common Stock	10K	10K	10K	14K	14.03K	14.03K	14.03K
Additional Paid-in Capital	37.27M	38.42M	38.42M	55.33M	55.33M	55.33M	55.33M
Retained Earnings	-41.06M	-39.23M	-37.64M	-38.9M	-41.46M	-43.36M	-45.37M
Accumulated OCI	-9.57K	24K	60.99K	379.73K	293.65K	251.86K	253.3K
Treasury Stock	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0

Cash Flow

	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-4.63M	-1.38M	465.21K	-382.66K	-6.66M	-1.83M	-1.75M
Operating CF Growth %	-	70.3%	133.83%	-182.26%	-1641.11%	72.58%	4.3%
Net Income	1.15M	1.83M	1.59M	-1.09M	-2.56M	-1.9M	-2M
Depreciation & Amortization	174.14K	57.02K	53.52K	62.97K	57.43K	105.64K	111.01K
Deferred Taxes	386.3K	611.36K	592.7K	74.24K	0	0	0
Other Non-Cash Items	1.69K	-10.75K	0	54.9K	4.55K	134.81K	361.77K
Working Capital Changes	-6.35M	-3.87M	-1.77M	518.47K	-4.16M	-164.12K	-216.32K
Cash from Investing+	-13.3K	10.75K	0	-5.52M	-34.35K	-23.43K	0
Purchase of Investments	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-
Acquisitions	0	10.75K	0	0	0	0	0
Other Investing	0	0	0	-5.5M	0	0	0
Cash from Financing+	4.44M	1.44M	-585.86K	16.4M	-173.16K	339.53K	732.28K
Dividends Paid	0	0	0	0	0	0	0
Share Repurchases	0	0	-765.88K	0	0	0	0
Stock Issued	0	0	0	16.91M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	180.03K	-1000K	-156.31K	339.53K	732.28K
Other Financing	0	0	0	765.88K	-16.85K	0	0
Net Change in Cash+	-40.64K	85.66K	-110.65K	10.64M	-6.96M	-1.54M	-1.01M
Exchange Rate Effect	162.35K	6.94K	10K	144.35K	-85.05K	-28.36K	5.05K
Cash at Beginning	206.01K	165.37K	251.03K	140.38K	10.78M	3.83M	2.29M
Cash at End	165.37K	251.03K	140.38K	10.78M	3.83M	2.29M	1.28M
Interest Paid	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0
Free Cash Flow+	-4.64M	-1.38M	465.21K	-402.64K	-6.7M	-1.85M	-1.75M
FCF Growth %	-	70.38%	133.83%	-186.55%	-1563.26%	72.37%	5.51%

Banking Ratios

Metric	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-	4043.44%	-12.37%	-16.53%	-14.42%	-17.86%
Return on Assets (ROA)	52.81%	91.3%	68.77%	-10.85%	-16%	-13.81%	-16.31%
Net Interest Margin	0%	0%	-0.01%	0%	0%	0%	0%
Efficiency Ratio	75.53%	38.54%	39.36%	132.9%	1682.17%	1294.75%	1707.74%
Equity / Assets	-173.31%	-42.19%	30.58%	96.87%	96.7%	94.74%	87.55%
Book Value / Share	-1.35	-0.26	0.28	6.01	5.96	5.15	3.65
NII Growth	-	-	-	100%	-	-	-

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Sentage Holdings Inc. (SNTG) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare SNTG vs Peers

vs KKRS

vs CGABL

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

Sentage Holdings Inc. (SNTG) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare SNTG vs Peers

vs KKRS

vs CGABL

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios