Pintec Technology Holdings Financials
Pintec Technology Holdings (PT) reported $1.6M in revenue for fiscal year 2025, down 66.8% from the prior fiscal year. This page shows its 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).
Liability reduction repaired the balance sheet, but tiny revenue scale still leaves overhead consuming the economics of each year.
FY2025’s return to a positive working-capital posture reflects a balance-sheet reset more than a cash rebuild: cash fell to$945K from$3.7M in FY2024. What changed was obligations, with total liabilities dropping to$7.9M from$68.3M , which also pushed equity back above zero.
The income statement now looks like a high-margin but under-scaled operation: FY2025 gross margin reached
Cash conversion improved faster than reported earnings, with operating cash flow of
Financial Health Signals
Pintec Technology Holdings does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Pintec Technology Holdings scores -54.22, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($19.5M) relative to total liabilities ($7.9M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Pintec Technology Holdings passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
Pintec Technology Holdings reported a net loss of $1.3M while generating $146K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Pintec Technology Holdings generated $1.6M in revenue in fiscal year 2025. This represents a decrease of 66.8% from the prior year.
Pintec Technology Holdings's EBITDA was -$1.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
Pintec Technology Holdings reported -$1.3M in net income in fiscal year 2025. This represents an increase of 38.4% from the prior year.
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
Pintec Technology Holdings held $945K in cash against $1.8M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
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.
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.
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.
Pintec Technology Holdings's ROE was -88.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
PT Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.6M-66.8% | $4.8M-35.3% | $7.4M-31.2% | $10.8M-60.2% | $27.2M-53.1% | $58.0M-68.6% | $184.6M+20.6% | $153.1M |
| Cost of Revenue | N/A | $1.6M-64.3% | $4.5M-24.2% | $6.0M-59.5% | $14.8M-4.3% | $15.4M-63.0% | $41.7M-11.3% | $47.0M |
| Gross Profit | $1.1M-62.6% | $3.1M+6543.5% | $46K-97.3% | $1.7M-86.9% | $13.1M-7.5% | $14.2M-80.9% | $74.1M+2.3% | $72.4M |
| R&D Expenses | N/A | $311K+1729.4% | $17K-99.3% | $2.3M-35.1% | $3.6M-38.0% | $5.8M-49.4% | $11.4M-17.8% | $13.8M |
| SG&A Expenses | $1.4M+392.2% | $293K+11.0% | $264K-96.4% | $7.3M-47.3% | $13.8M-38.9% | $22.6M-85.6% | $157.3M+245.6% | $45.5M |
| Operating Income | -$1.3M-355.8% | -$294K-185.0% | $346K+102.9% | -$11.8M-5.6% | -$11.2M+64.7% | -$31.7M+69.7% | -$104.6M-6998.6% | -$1.5M |
| Income Tax | -$65K-169.1% | $94K+104.8% | -$2.0M-636.3% | $366K-66.0% | $1.1M-85.7% | $7.5M+2564.3% | $283K-65.9% | $831K |
| Net Income | -$1.3M+38.4% | -$2.1M+80.6% | -$11.1M+59.9% | -$27.6M-72.7% | -$16.0M+64.6% | -$45.0M+65.4% | -$130.1M-41409.8% | $315K |
| EPS (Diluted) | $0.00+50.0% | $0.00+80.0% | -$0.02 | -$0.09 | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Interest Expense.
PT Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| 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
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $146K+107.0% | -$2.1M-270.5% | $1.2M+179.7% | -$1.5M+69.8% | -$5.1M-157.9% | $8.7M-65.3% | $25.1M+59.6% | $15.8M |
| Investing Cash Flow | -$5.3M-47827.3% | -$11K-100.2% | $5.0M-60.4% | $12.6M+167.0% | -$18.7M-163.5% | $29.5M+138.2% | -$77.4M-312.3% | $36.4M |
| Financing Cash Flow | $1.6M+510.2% | $254K+100.7% | -$36.3M-332.7% | -$8.4M+59.6% | -$20.8M+52.7% | -$43.9M-236.3% | $32.2M+549.8% | -$7.2M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
PT Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.5%+8.1pp | 63.5%+62.9pp | 0.6%-15.3pp | 15.9%-32.3pp | 48.2%+23.8pp | 24.4%-15.7pp | 40.1%-7.2pp | 47.3% |
| Operating Margin | -83.9%-77.7pp | -6.1%-10.8pp | 4.7% | -109.3% | -41.2%+13.5pp | -54.7%+2.0pp | -56.7%-55.7pp | -1.0% |
| Net Margin | -82.8%-38.2pp | -44.6% | -148.5% | -255.0% | -58.7%+19.0pp | -77.7%-7.2pp | -70.5%-70.7pp | 0.2% |
| Return on Equity | -88.9% | N/A | N/A | N/A | N/A | N/A | -478.0%-478.2pp | 0.2% |
| 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%+28.0pp | -58.1%-58.1pp | 0.1% |
| Current Ratio | 1.25+1.1x | 0.190.0x | 0.22-0.5x | 0.74-0.6x | 1.30-0.1x | 1.38+0.3x | 1.07-0.7x | 1.73 |
| Debt-to-Equity | 1.21 | N/A | N/A | N/A | N/A | N/A | 0.42+0.4x | 0.02 |
Not reported in any period shown, so not listed: FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.
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Where Pintec Technology Holdings Ranks
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 Altman Z-Score?
Pintec Technology Holdings (PT) has an Altman Z-Score of -54.22, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Pintec Technology Holdings's Piotroski F-Score?
Pintec Technology Holdings (PT) has a Piotroski F-Score of 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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) reported a net loss of $1.3M while generating $146K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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.