What is Pintec Technology Holdings's earnings per share (EPS)?

Pintec Technology Holdings (PT) reported diluted earnings per share of $-0.00 for fiscal year 2025. This represents a 50.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Pintec Technology Holdings Financials

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Pintec Technology Holdings (PT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PT FY2024 2026-04-22

A shrinking revenue base is being reshaped into a much higher-margin operation, but liquidity remains extremely tight.

From FY2023 to FY2024, gross margin climbed from 27.5% to 63.5% even as revenue kept shrinking, which points to a smaller but structurally different revenue mix rather than scale doing the work. Cash conversion worsened anyway: operating cash flow fell from $1.2M to -$2.0M, so the better reported loss did not yet turn into self-funding operations.

The balance sheet is obligation-heavy: FY2024 liabilities were $68.3M against assets of only $14.2M. With a current ratio of 0.2x and cash of $3.7M, routine obligations are being carried with very little liquid coverage. That makes liquidity, rather than reported margin, the more immediate operating constraint.

This looks like a downsized operating model, not a revenue-led recovery. Revenue fell from $10.8M in FY2022 to $4.8M in FY2024, yet operating margin improved from -109.3% to -40.1%, a pattern more consistent with cost reset and mix shift than with broader demand returning.

Financial Health Signals

Financial Profile 16/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Pintec Technology Holdings's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Pintec Technology Holdings has an operating margin of -83.9%, meaning the company retains $-84 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -6.1% the prior year.

Growth

Pintec Technology Holdings's revenue declined 66.8% year-over-year, from $4.8M to $1.6M. This contraction results in a growth score of 0/100.

Leverage

Pintec Technology Holdings carries a low D/E ratio of 1.21, meaning only $1.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 77/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Pintec Technology Holdings's current ratio of 1.25 is below the typical benchmark, resulting in a score of 20/100. However, the company holds substantial cash reserves (65% of current liabilities), which buffers actual liquidity risk. Large mature operators often run tight current ratios by design.

Returns

Pintec Technology Holdings generates a -88.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100.

Piotroski F-Score Neutral

5/9

Pintec Technology Holdings passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Mixed

-0.11x

For every $1 of reported earnings, Pintec Technology Holdings generates $-0.11 in operating cash flow ($146K OCF vs -$1.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.6M

YoY-66.8%

5Y CAGR-51.2%

Pintec Technology Holdings generated $1.6M in revenue in fiscal year 2025. This represents a decrease of 66.8% from the prior year.

EBITDA

-$1.1M

Pintec Technology Holdings's EBITDA was -$1.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

Net Income

-$1.3M

YoY+38.4%

Pintec Technology Holdings reported -$1.3M in net income in fiscal year 2025. This represents an increase of 38.4% from the prior year.

EPS (Diluted)

$-0.00

YoY+50.0%

Pintec Technology Holdings earned $-0.00 per diluted share (EPS) in fiscal year 2025. This represents an increase of 50.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$945K

YoY-74.4%

5Y CAGR-56.3%

Pintec Technology Holdings held $945K in cash against $1.8M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

71.5%

YoY+8.1pp

5Y CAGR+47.1pp

Pintec Technology Holdings's gross margin was 71.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 8.1 percentage points from the prior year.

Operating Margin

-83.9%

YoY-77.7pp

5Y CAGR-29.2pp

Pintec Technology Holdings's operating margin was -83.9% in fiscal year 2025, reflecting core business profitability. This is down 77.7 percentage points from the prior year.

Net Margin

-82.8%

YoY-38.2pp

5Y CAGR-5.1pp

Pintec Technology Holdings's net profit margin was -82.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 38.2 percentage points from the prior year.

Return on Equity

-88.9%

Pintec Technology Holdings's ROE was -88.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

PT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.6M-66.8%	$4.8M-35.3%	$7.4M-31.2%	$10.8M-60.2%	$27.2M-53.1%	$58.0M
Cost of Revenue	N/A	$1.6M-64.3%	$4.5M-24.2%	$6.0M-59.5%	$14.8M-4.3%	$15.4M
Gross Profit	$1.1M-62.6%	$3.1M+6543.5%	$46K-97.3%	$1.7M-86.9%	$13.1M-7.5%	$14.2M
R&D Expenses	N/A	$311K+1729.4%	$17K-99.3%	$2.3M-35.1%	$3.6M-38.0%	$5.8M
SG&A Expenses	$1.4M+392.2%	$293K+11.0%	$264K-96.4%	$7.3M-47.3%	$13.8M-38.9%	$22.6M
Operating Income	-$1.3M-355.8%	-$294K-185.0%	$346K+102.9%	-$11.8M-5.6%	-$11.2M+64.7%	-$31.7M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	-$65K-169.1%	$94K+104.8%	-$2.0M-636.3%	$366K-66.0%	$1.1M-85.7%	$7.5M
Net Income	-$1.3M+38.4%	-$2.1M+80.6%	-$11.1M+59.9%	-$27.6M-72.7%	-$16.0M+64.6%	-$45.0M
EPS (Diluted)	$-0.00+50.0%	$-0.00+80.0%	$-0.02+77.8%	$-0.09	N/A	N/A

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

PT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.3M-34.0%	$14.2M-11.3%	$16.0M-79.2%	$76.7M-35.8%	$119.5M-20.3%	$150.0M
Current Assets	$1.8M-86.0%	$12.9M-15.3%	$15.3M-72.9%	$56.4M-31.8%	$82.7M-25.2%	$110.5M
Cash & Equivalents	$945K-74.4%	$3.7M-35.3%	$5.7M-84.2%	$36.2M+14.6%	$31.6M-46.6%	$59.2M
Inventory	$134K	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$325K-31.1%	$472K+112.6%	$222K-91.8%	$2.7M-53.3%	$5.8M-26.0%	$7.8M
Goodwill	$3.8M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.9M-88.5%	$68.3M-1.9%	$69.6M-48.4%	$135.0M-12.8%	$154.7M+8.5%	$142.6M
Current Liabilities	$1.4M-97.9%	$67.6M-2.0%	$68.9M-9.6%	$76.3M+20.0%	$63.5M-20.5%	$79.9M
Long-Term Debt	$1.8M	$0	N/A	N/A	N/A	N/A
Total Equity	$1.5M+102.7%	-$56.0M-1.0%	-$55.5M+4.8%	-$58.3M-65.1%	-$35.3M-93.6%	-$18.2M
Retained Earnings	-$370.2M0.0%	-$370.3M-4.4%	-$354.7M+0.1%	-$355.0M-0.2%	-$354.3M-7.2%	-$330.4M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Total Assets	$9.3M-34.0%	$14.2M-11.3%	$16.0M-79.2%	$76.7M-35.8%	$119.5M-20.3%	$150.0M-33.1%	$224.2M-34.9%	$344.4M
Current Assets	$1.8M-86.0%	$12.9M-15.3%	$15.3M-72.9%	$56.4M-31.8%	$82.7M-25.2%	$110.5M-33.7%	$166.6M-48.3%	$322.2M
Cash & Equivalents	$945K-74.4%	$3.7M-35.3%	$5.7M-84.2%	$36.2M+14.6%	$31.6M-46.6%	$59.2M+275.8%	$15.7M-76.0%	$65.7M
Inventory	$134K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$325K-31.1%	$472K+112.6%	$222K-91.8%	$2.7M-53.3%	$5.8M-26.0%	$7.8M-26.7%	$10.7M+53.9%	$6.9M
Goodwill	$3.8M	N/A	N/A	N/A	N/A	N/A	$5.0M+35.2%	$3.7M
Total Liabilities	$7.9M-88.5%	$68.3M-1.9%	$69.6M-48.4%	$135.0M-12.8%	$154.7M+8.5%	$142.6M-17.4%	$172.6M-9.4%	$190.6M
Current Liabilities	$1.4M-97.9%	$67.6M-2.0%	$68.9M-9.6%	$76.3M+20.0%	$63.5M-20.5%	$79.9M-48.5%	$155.4M-16.6%	$186.2M
Long-Term Debt	$1.8M	$0	N/A	N/A	N/A	N/A	$11.5M+267.5%	$3.1M
Total Equity	$1.5M+102.7%	-$56.0M-1.0%	-$55.5M+4.8%	-$58.3M-65.1%	-$35.3M-93.6%	-$18.2M-167.0%	$27.2M-82.3%	$153.8M
Retained Earnings	-$370.2M0.0%	-$370.3M-4.4%	-$354.7M+0.1%	-$355.0M-0.2%	-$354.3M-7.2%	-$330.4M-23.6%	-$267.3M-110.6%	-$126.9M

PT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$146K+107.0%	-$2.1M-270.5%	$1.2M+179.7%	-$1.5M+69.8%	-$5.1M-157.9%	$8.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$5.3M-47827.3%	-$11K-100.2%	$5.0M-60.4%	$12.6M+167.0%	-$18.7M-163.5%	$29.5M
Financing Cash Flow	$1.6M+510.2%	$254K+100.7%	-$36.3M-332.7%	-$8.4M+59.6%	-$20.8M+52.7%	-$43.9M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

PT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	71.5%+8.1pp	63.5%+62.9pp	0.6%-15.3pp	15.9%-32.3pp	48.2%+23.8pp	24.4%
Operating Margin	-83.9%-77.7pp	-6.1%-10.8pp	4.7%+114.0pp	-109.3%-68.2pp	-41.2%+13.5pp	-54.7%
Net Margin	-82.8%-38.2pp	-44.6%+103.9pp	-148.5%+106.5pp	-255.0%-196.3pp	-58.7%+19.0pp	-77.7%
Return on Equity	-88.9%	N/A	N/A	N/A	N/A	N/A
Return on Assets	-14.2%+1.0pp	-15.2%+54.0pp	-69.2%-33.2pp	-36.0%-22.6pp	-13.4%+16.7pp	-30.0%
Current Ratio	1.25+1.1	0.19-0.0	0.22-0.5	0.74-0.6	1.30-0.1	1.38
Debt-to-Equity	1.21+1.2	0.00+1.3	-1.25+1.1	-2.32+2.1	-4.38+3.4	-7.82
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	1.25+1.1	0.19-0.0	0.22-0.5	0.74-0.6	1.30-0.1	1.38+0.3	1.07-0.7	1.73
Debt-to-Equity	1.21+1.2	0.00+1.3	-1.25+1.1	-2.32+2.1	-4.38+3.4	-7.82-8.2	0.42+0.4	0.02
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Pintec Technology Holdings's annual revenue?

Pintec Technology Holdings (PT) reported $1.6M in total revenue for fiscal year 2025. This represents a -66.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Pintec Technology Holdings's revenue growing?

Pintec Technology Holdings (PT) revenue declined by 66.8% year-over-year, from $4.8M to $1.6M in fiscal year 2025.

Is Pintec Technology Holdings profitable?

No, Pintec Technology Holdings (PT) reported a net income of -$1.3M in fiscal year 2025, with a net profit margin of -82.8%.

What is Pintec Technology Holdings's EBITDA?

Pintec Technology Holdings (PT) had EBITDA of -$1.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Pintec Technology Holdings have?

As of fiscal year 2025, Pintec Technology Holdings (PT) had $945K in cash and equivalents against $1.8M in long-term debt.

What is Pintec Technology Holdings's gross margin?

Pintec Technology Holdings (PT) had a gross margin of 71.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Pintec Technology Holdings's operating margin?

Pintec Technology Holdings (PT) had an operating margin of -83.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Pintec Technology Holdings's net profit margin?

Pintec Technology Holdings (PT) had a net profit margin of -82.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Pintec Technology Holdings's return on equity (ROE)?

Pintec Technology Holdings (PT) has a return on equity of -88.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Pintec Technology Holdings's operating cash flow?

Pintec Technology Holdings (PT) generated $146K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Pintec Technology Holdings's total assets?

Pintec Technology Holdings (PT) had $9.3M in total assets as of fiscal year 2025, including both current and long-term assets.

What is Pintec Technology Holdings's current ratio?

Pintec Technology Holdings (PT) had a current ratio of 1.25 as of fiscal year 2025, which is considered adequate.

What is Pintec Technology Holdings's debt-to-equity ratio?

Pintec Technology Holdings (PT) had a debt-to-equity ratio of 1.21 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Pintec Technology Holdings's return on assets (ROA)?

Pintec Technology Holdings (PT) had a return on assets of -14.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Pintec Technology Holdings's Piotroski F-Score?

Pintec Technology Holdings (PT) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Pintec Technology Holdings's earnings high quality?

Pintec Technology Holdings (PT) has an earnings quality ratio of -0.11x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Pintec Technology Holdings?

Pintec Technology Holdings (PT) scores 16 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.