SunCar Technology Group AI Stock Analysis
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SunCar Technology Group (SDA) AI Stock Analysis
SunCar Technology Group
(NASDAQ:SDA)
Overall score reflects a business in transition: improving operations and positive free cash flow support the outlook, but high leverage and very thin/unstable margins keep financial risk elevated. Technically, the stock remains in a longer-term downtrend (below 50/100/200-day averages with negative MACD), partially offset by a reasonable P/E valuation.
SunCar Technology Group (SDA) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $18.16M
- Dividend Yield
- ―
- Average Volume (3M)
- 10.20M
- Price to Earnings (P/E)
- 9.9
- Beta (1Y)
- 0.39
- Revenue Growth
- 17.86%
- EPS Growth
- ―
- Country
- US
- Employees
- 544
- Sector
- Consumer Cyclical
- Sector Strength
- 61
- Industry
- Auto - Dealerships
SunCar Technology Group Business Overview & Revenue Model
Company Description
SunCar Technology Group Inc. (SDA) is a Chinese enterprise that, through its subsidiaries, delivers integrated digital solutions for automotive after-sales support and online insurance brokerage. Its comprehensive operations are divided into three di...
SunCar Technology Group Earnings Call Summary
The earnings call highlighted significant revenue growth and strategic partnerships, particularly in the auto insurance and technology services segments, driven by strong market demand and product innovation. However, the increase in operating costs, particularly due to share-based compensation, presents a challenge. Overall, the achievements in revenue and partnerships outweigh the cost challenges.
Q4-2024 Updates
Positive Updates
Negative Updates
Company Guidance
During SunCar Technologies' full year 2024 earnings call, the company highlighted several key metrics demonstrating its robust performance and strategic direction. SunCar reported a total revenue of $441.9 million for 2024, marking a 21.5% increase from $363.7 million in 2023, with a notable 44.4% rise in auto insurance revenue to $170.5 million. The company's technology services revenue surged by 46.4% to $44.9 million, and auto services revenue grew by 5.3% to $226.5 million. Despite increased operating costs and expenses totaling $500.3 million, SunCar achieved an impressive 492% growth in adjusted EBITDA to $9.8 million. This growth underscores the effectiveness of SunCar's partnerships and its strategic focus on digitalization in China's automotive market. Looking ahead, SunCar plans to issue guidance with its first-quarter 2025 earnings release, contingent on market conditions and board approval.
SunCar Technology Group Financial Statement Overview
Summary
Financials show a recovery but remain fragile. Revenue has grown to 543.5M (TTM) and results improved to modest positive net income (3.2M) with positive operating profit. However, profitability is still thin and inconsistent (TTM gross margin ~2.5% vs much higher historically), and the balance sheet is pressured by high leverage (debt-to-equity ~2.6x) and a relatively small equity base, despite positive operating and free cash flow (~15.7M and ~15.3M TTM).
Income Statement
46NeutralBalance Sheet
34NegativeCash Flow
63Positive| Breakdown | TTM | Mar 2026 | Dec 2024 | Mar 2024 | Mar 2023 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 543.49M | 489.29M | 441.90M | 363.75M | 282.41M | 249.24M |
| Gross Profit | 65.09M | 50.74M | 51.46M | 41.69M | 50.12M | 37.16M |
| EBITDA | 18.84M | 9.12M | -51.79M | -5.70M | -1.32M | 14.41M |
| Net Income | 3.24M | -3.94M | -68.66M | -26.91M | -6.67M | -23.72M |
Balance Sheet | ||||||
| Total Assets | 281.65M | 253.20M | 246.73M | 223.24M | 191.97M | 58.87M |
| Cash, Cash Equivalents and Short-Term Investments | 42.02M | 46.62M | 47.85M | 52.45M | 47.74M | 110.64K |
| Total Debt | 83.73M | 83.99M | 84.16M | 84.28M | 74.97M | 575.00K |
| Total Liabilities | 185.47M | 162.51M | 180.49M | 155.25M | 155.19M | 3.52M |
| Stockholders Equity | 32.39M | 32.55M | 11.89M | 16.08M | -5.28M | 55.35M |
Cash Flow | ||||||
| Free Cash Flow | 15.29M | 5.34M | 11.25M | -32.58M | -20.50M | -1.30M |
| Operating Cash Flow | 15.70M | 5.72M | 11.84M | -27.65M | -16.14M | -19.33K |
| Investing Cash Flow | -10.93M | -12.90M | -12.15M | -2.39M | -5.92M | -20.68M |
| Financing Cash Flow | -13.59M | 4.37M | -2.95M | 40.43M | 10.64M | -66.00K |
SunCar Technology Group Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SDA, the sentiment is Negative. The current price of 0.32 is above the 20-day moving average (MA) of 0.28, below the 50-day MA of 0.41, and below the 200-day MA of 1.06, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 49.01 is Neutral, neither overbought nor oversold. The STOCH value of 68.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SDA.
SunCar Technology Group Risk Analysis
SunCar Technology Group disclosed 29 risk factors in its most recent earnings report. SunCar Technology Group reported the most risks in the "Legal & Regulatory" category.
Latest Risks Added
0 New RisksSunCar Technology Group Peers Comparison
Overall Rating
VVV64.75Neutral
DRVN64Neutral- SDA47Neutral
AZI40Underperform
UXIN40Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| VVV | 65Neutral | $4.56B | 48.51 | 28.67% | ― | 16.08% | -63.28% |
| DRVN | 64Neutral | $2.00B | 11.28 | 22.09% | ― | -10.59% | ― |
| Sector * | 61Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% |
| SDA | 47Neutral | $37.44M | 9.95 | 10.20% | ― | 17.86% | ― |
| AZI | 40Underperform | $43.13M | -0.08 | 103.06% | ― | -53.68% | -128.53% |
| UXIN | 40Underperform | $172.18M | -2.80 | 73.63% | ― | 97.00% | -42.04% |
* Consumer Cyclical Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SDA | Suncar Technology Group Inc. | 0.32 | -1.59 | -83.04% | |
| VVV | Valvoline Inc | 35.90 | 4.10 | 12.89% | |
| UXIN | Uxin Limited | 0.82 | -2.02 | -71.16% | |
| DRVN | Driven Brands Holdings, Inc. | 11.96 | -2.34 | -16.36% | |
| JZXN | Jiuzi Holdings, Inc. | 1.05 | -8.14 | -88.57% | |
| AZI | Autozi Internet Technology (Global) Ltd. Class A | 0.63 | -40.47 | -98.48% |
SunCar Technology Group Corporate Events
SunCar Technology Group Authorizes $10 Million Share Buyback
SunCar Technology Group is a China-focused automotive technology company that operates cloud-based platforms connecting drivers with auto insurance and services. Its market focus includes electric-vehicle auto eInsurance and business-to-business auto...
SunCar Technology Group Revamps Financial Leadership and Board Independence in September 2026
SunCar Technology Group Inc., a Cayman Islands–registered company based in Shanghai, operates in the automotive technology and services space, offering digital platforms that support car-related and mobility services. Its structure as a foreign priva...
SunCar Technology Group Files Unaudited Mid‑2026 Financials Showing Higher Assets and Elevated Leverage
SunCar Technology Group Inc. has filed its unaudited condensed consolidated financial statements for the six months ended June 30, 2026, with the U.S. Securities and Exchange Commission under Form 6-K for September 2026. The filing shows total assets...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 07, 2026