---
title: "Pintec Tech (PT.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/PT.US.md"
symbol: "PT.US"
name: "Pintec Tech"
industry: "消费金融"
---

# Pintec Tech (PT.US)

| Item | Detail |
|------|--------|
| Industry | 消费金融 |

## Company Profile

Pintec Technology Holdings Limited 及其子公司致力于为中国及国际上的中小微企业（MSMEs）和小型企业（SMEs）提供技术驱动的金融和数字服务。该公司在其开放平台上连接商业合作伙伴和金融合作伙伴，使他们能够向最终用户提供金融服务。它还为商业合作伙伴提供销售点融资解决方案，既可以在他们的平台上，也可以在其自有平台上以 Dumiao 品牌提供；并为商业合作伙伴提供商业分期贷款解决方案，既可以在他们的平台上，也可以在其自有平台上提供。此外，该公司还提供财富管理解决方案，包括一项基金分销解决方案，使合作伙伴能够向客户提供和分销共同基金产品，既可以在其 Hongdian...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-15T04:30:12.000Z

**Overall: D (0.62)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 51 / 52 |
| 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.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.75% |  |
| Net Profit YoY | 71.75% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

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

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 4.95M |  |


**Multi Score**: D

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 2.92% | C |
| Profit Margin | -33.48% | E |
| Gross Margin | 60.92% | A |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.75% | B |
| Net Profit YoY | 71.75% | A |
| Total Assets YoY | -15.09% | E |
| Net Assets YoY | -4.38% | D |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -298.68% | D |
| OCF YoY | 9.75% | B |

#### Operating Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.34 | D |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 515.28% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Pintec Tech",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "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": "Growth",
      "grade": "C",
      "indicators": [
        {
          "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",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-298.68%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "9.75%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "D",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.34",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "515.28%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Dave (US.DAVE) | A | A | A | B | B | A |
| 02 | NerdWallet (US.NRDS) | A | A | A | A | B | A |
| 03 | Kaspi.KZ JSC (US.KSPI) | A | A | C | E | B | B |
| 04 | 第一富金融服务 (US.FCFS) | B | B | B | D | B | B |
| 05 | Upstart (US.UPST) | B | A | C | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -9.27 | 46/49 | - | - | - |
| PB | -0.27 | 47/49 | - | - | - |
| PS (TTM) | 3.10 | 42/49 | 3.37 | 3.11 | 3.01 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/PT.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/PT.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/PT.US/topics.md) - Community topics and discussions

---

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