---
title: "Pintec Tech (PT.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/PT.US.md"
symbol: "PT.US"
name: "Pintec Tech"
industry: "Consumer Finance"
datetime: "2026-05-20T20:42:42.792Z"
locales:
  - [en](https://longbridge.com/en/quote/PT.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/PT.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/PT.US.md)
---

# Pintec Tech (PT.US)

## Company Overview

Pintec Technology Holdings Limited, together with its subsidiaries, engages in the provision of technology-enabled financial and digital services to the ecosystem of MSMEs and SMEs in the People's Republic of China and internationally. The company connects business partners and financial partners on its open platform and enables them to provide financial services to end users. It also provides point-of-sale financing solutions to its business partners on their platforms or on its own platform under the Dumiao brand; and business installment loan solutions to its business partners on their platforms or on its own platform. In addition, the company offers wealth management solutions, including a fund distribution solution that enables partners to offer and distribute mutual fund products to their customers, either under its Hongdian brand or as a white label solution; and a robo-advisory solution under the Polaris brand which enables its financial and business partners to provide robo-advisory services to their customers.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: D
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:13.000Z

**Overall: D (0.62)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 55 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: D

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.75% |  |
| Net Profit YoY | 71.75% |  |
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 0.00 |  |
| Revenue | 4947553.96 |  |

#### Multi Score Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 2.92% | C |
| Profit Margin | -33.48% | E |
| Gross Margin | 60.92% | A |
| Revenue YoY | 9.75% | B |
| Net Profit YoY | 71.75% | A |
| Total Assets YoY | -15.09% | E |
| Net Assets YoY | -4.38% | D |
| Cash Flow Margin | 0.00% | D |
| OCF YoY | 9.75% | B |
| Turnover | 0.34 | D |
| Gearing Ratio | 515.28% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Pintec Tech",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "9.75%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "71.75%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.00",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "0.00",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "4947553.96",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "D",
      "indicators": [
        {
          "name": "ROE",
          "value": "2.92%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "-33.48%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "60.92%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "9.75%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "71.75%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "-15.09%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "-4.38%",
          "rating": "D"
        },
        {
          "name": "Cash Flow Margin",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "9.75%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.34",
          "rating": "D"
        },
        {
          "name": "Gearing Ratio",
          "value": "515.28%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -9.27 | 46/57 | - | - | - |
| PB | -0.27 | 47/57 | - | - | - |
| PS (TTM) | 3.10 | 42/57 | 3.17 | 3.10 | 3.01 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | B | B | E | A | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/PT.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/PT.US/norm.md)
- [Related News](https://longbridge.com/en/quote/PT.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/PT.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**