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SunCar Technology Group Inc.

SDA

$0.15 ▼ -0.07 (-30.62%) at close

4 Visible periods

28 Metrics

Peer-ranked Benchmarks

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Health

Poor

Bearish

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Analytical Summary

SunCar Technology Group Inc. faces fundamental challenges with weakness in Profit Margin (%) and Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $14.4M

Dividend Yield —

Revenue Growth 21.5% ↘

Op. Margin -13.2% ↘

ROIC -513.5% ↘

FCF / Share $0.12 ↗

Trailing P/E —

Price / Book 1.2x

FCF Yield 78.2%

Debt / Equity 7.03

info Valuation on last close. End-of-day price, Nov 5, 2026.

4-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$441.90M

↑ +21.5% —

Net Income Profit after all expenses

$-64.45M

↓ -266.6% —

Operating Margin Operating profit as % of sales

-13.2%

↓ -210.7% 15th

FCF / Share Free cash flow per share

$0.12

↑ +130.7% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)
Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Financial Health

Cash Quality

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📈 Is growth accelerating? 5 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Revenue Growth YoY (%)	21.5% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	28.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+311%)	13.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+90%)	—
EPS Growth YoY (%)	-132.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-287.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	72.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-266.6% Weak ↓ Weak Declining Year-over-year change in net income	-47.7% Weak Weak Year-over-year change in net income	34.2% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%)	N/M	-51.8% Weak Weak Year-over-year change in free cash flow	23.7% Good Good Year-over-year change in free cash flow	—
Revenue CAGR 3Y (%)	21.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Operating Margin (%) (%)	-13.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-210%)	-4.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	-4.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	4.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)
Effective Tax Rate (%) (%)	-4.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-17.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	-14.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-282%)	-4.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	-4.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	-7.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-191%)
FCF Margin (%) (%)	2.5% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-9.0% Weak → Weak Stable Free cash flow as a percentage of revenue Optimal: > 10%	-7.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-10.8% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	-0.17x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.85x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.72x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.48x Good Good Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Return on Invested Capital (%)	-513.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-112.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	243.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-23.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-6.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	-6.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	-109.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-647%)	225.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1026%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Debt to Equity (x)	7.03x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+779%)	5.16x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+546%)	-14.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-1866%)	—
Interest Coverage (x)	-15.91x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-4.22x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-3.30x Weak Weak Operating income divided by interest expense Optimal: > 5x	2.98x Caution Caution Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$56.73M	$52.17M	$53.45M	$-34.52M
Debt / EBITDA (x)	-1.43x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-5.37x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-5.94x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Revenue per Share (USD)	$4.60	$4.26	$3.46	$3.05
Basic EPS, GAAP (USD)	$-0.72	$-0.31	$-0.08	$-0.29
Free Cash Flow per Share (USD)	$0.12	$-0.38	$-0.25	$-0.33
Book Value per Share (USD)	$0.12	$0.19	$-0.06	—
Tangible Book Value per Share (USD)	$0.12	$0.19	$-0.06	—
Basic Weighted Avg Shares (shares)	96.00M	85.44M	81.60M	81.60M

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Working Capital (USD)	$39.51M	$50.80M	$-9.84M	—
Total Equity (USD)	$11.89M	$16.08M	$-5.28M	—

📋 What is driving earnings? 3 metrics

Metric	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Sales/Revenue/Turnover (USD)	$441.90M	$363.75M	$282.41M	$249.24M
Net Income, GAAP (USD)	$-64.45M	$-17.58M	$-11.90M	$-18.09M
Operating Cash Flow (USD)	$11.84M	$-27.65M	$-16.14M	$-25.57M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 4 years · 4 quarters

SunCar Technology Group Inc.

Analytical Summary

4-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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