SunCar Technology Group (SDA)
NASDAQ:SDA
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SunCar Technology Group
(NASDAQ:SDA)
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Rating:45Neutral
Price Target:
$1.00
▼(-49.24% Downside)
Action:Reiterated
Date:06/03/26
The score is held back primarily by constrained financial quality—ongoing net losses, thin margins, and elevated leverage—despite improving operating results and positive free cash flow. Technicals remain mixed with longer-term weakness, and valuation is difficult to support due to the negative P/E and no dividend data.
Positive Factors
Revenue Growth & Scale
Consistent top‑line expansion to record levels and TTM revenue near $518M indicate durable market traction in auto eInsurance and services. Scale supports better partner economics, cross‑sell opportunities and platform leverage that can sustain growth and margin improvements over multiple quarters.
Negative Factors
Elevated Leverage
High leverage with debt about 2.6x equity and negative ROE materially constrains financial flexibility. Over 2–6 months this raises refinancing and interest‑rate sensitivity, limits capacity for opportunistic spending, and increases downside risk if revenue or margins deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth & Scale
Consistent top‑line expansion to record levels and TTM revenue near $518M indicate durable market traction in auto eInsurance and services. Scale supports better partner economics, cross‑sell opportunities and platform leverage that can sustain growth and margin improvements over multiple quarters.
Read all positive factors
SunCar Technology Group (SDA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$116.29M
Dividend YieldN/A
Average Volume (3M)84.35K
Price to Earnings (P/E)―
Beta (1Y)0.39
Revenue Growth12.85%
EPS GrowthN/A
CountryUS
Employees560
SectorConsumer Cyclical
Sector Strength84
IndustryAuto - Dealerships
Share Statistics
EPS (TTM)-0.03
Shares Outstanding55,969,795
10 Day Avg. Volume87,751
30 Day Avg. Volume84,349
Financial Highlights & Ratios
PEG Ratio0.55
Price to Book (P/B)6.34
Price to Sales (P/S)0.42
P/FCF Ratio38.64
Enterprise Value/Market Cap1.34
Enterprise Value/Revenue0.30
Enterprise Value/Gross Profit2.48
Enterprise Value/Ebitda9.50
Forecast
1Y Price Target
$5.00Price Target Upside153.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.13
Revenue Forecast (FY)$563.45M
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...
How the Company Makes Money
null...
SunCar Technology Group Earnings Call Summary
Earnings Call Date:Apr 28, 2025
(Q4-2024)
| % Change Since: |
Next Earnings Date:Sep 24, 2026
Earnings Call Sentiment Positive
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.Positive Updates
Record Revenue and Growth
SunCar reported a total revenue of $441.9 million for the full year 2024, marking a 21.5% increase from 2023. Adjusted EBITDA increased by 492% to $9.8 million from $1.6 million in 2023.
Negative Updates
Increased Operating Costs and Expenses
Operating costs rose to $500.3 million from $379.2 million in 2023, with significant increases in general and administrative expenses and R&D expenses.
Read all updates
Q4-2024 Updates
Positive
Negative
Record Revenue and Growth
SunCar reported a total revenue of $441.9 million for the full year 2024, marking a 21.5% increase from 2023. Adjusted EBITDA increased by 492% to $9.8 million from $1.6 million in 2023.
Read all positive 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
Income Statement
46
Neutral
Balance Sheet
34
Negative
Cash Flow
55
Neutral
| Breakdown | Mar 2026 | Dec 2024 | Mar 2024 | Mar 2023 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 489.29M | 441.90M | 363.75M | 282.41M | 249.24M |
| Gross Profit | 50.74M | 51.46M | 41.69M | 50.12M | 37.16M |
| EBITDA | 9.12M | -51.79M | -5.70M | -1.32M | 14.41M |
| Net Income | -3.94M | -68.66M | -26.91M | -6.67M | -23.72M |
Balance Sheet | |||||
| Total Assets | 253.20M | 246.73M | 223.24M | 191.97M | 58.87M |
| Cash, Cash Equivalents and Short-Term Investments | 46.62M | 47.85M | 52.45M | 47.74M | 110.64K |
| Total Debt | 83.99M | 84.16M | 84.28M | 74.97M | 575.00K |
| Total Liabilities | 162.51M | 180.49M | 155.25M | 155.19M | 3.52M |
| Stockholders Equity | 32.55M | 11.89M | 16.08M | -5.28M | 55.35M |
Cash Flow | |||||
| Free Cash Flow | 5.34M | 11.25M | -32.58M | -20.50M | -1.30M |
| Operating Cash Flow | 5.72M | 11.84M | -27.65M | -16.14M | -19.33K |
| Investing Cash Flow | -12.90M | -12.15M | -2.39M | -5.92M | -20.68M |
| Financing Cash Flow | 4.37M | -2.95M | 40.43M | 10.64M | -66.00K |
SunCar Technology Group Technical Analysis
Neutral
1.97
Price Trends
1.26
Negative
1.63
Negative
1.90
Negative
Market Momentum
>-0.01
Negative
53.85
Neutral
71.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SDA, the sentiment is Neutral. The current price of 1.97 is above the 20-day moving average (MA) of 0.88, above the 50-day MA of 1.26, and above the 200-day MA of 1.90, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 53.85 is Neutral, neither overbought nor oversold. The STOCH value of 71.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
SunCar Technology Group Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
57 Neutral | $278.99M | -6.47 | -61.46% | ― | -4.18% | 43.09% | |
50 Neutral | $463.19M | -11.49 | 48.78% | ― | 79.27% | 98.99% | |
48 Neutral | $50.67M | -0.77 | -38.32% | ― | 41.94% | 72.15% | |
47 Neutral | $54.05M | -0.57 | -2.60% | ― | -2.67% | -1336.84% | |
45 Neutral | $116.29M | -39.17 | -9.56% | ― | 12.85% | ― | |
43 Neutral | $9.14M | -0.09 | -543.84% | ― | ― | 91.89% |
* Consumer Cyclical Sector Average
SDA
SunCar Technology Group
1.14
-1.53
-57.30%
CRMT
America's Car-Mart
6.51
-48.24
-88.11%
RDNW
RideNow Group
7.23
5.16
249.28%
KXIN
Kaixin Auto Holdings
5.53
-426.47
-98.72%
UXIN
Uxin
2.14
-1.70
-44.27%
VRM
Vroom, Inc.
9.73
-18.27
-65.25%
SunCar Technology Group Corporate Events
SunCar Technology Posts Slightly Stronger Balance Sheet in Q1 2026 Filing
May 27, 2026
SunCar Technology Group Inc. reported unaudited condensed consolidated financials for the quarter ended March 31, 2026, showing total assets of $258.97 million, up from $253.20 million at December 31, 2025, driven by higher current assets includin...
SunCar Technology Posts Record 2025 Revenue and Expands AI, Banking Partnerships
Apr 29, 2026
SunCar Technology Group reported on April 28, 2026 that it delivered record 2025 revenue of $489.3 million, with fourth-quarter sales up 17% year-on-year to $151.2 million and profits in both the third and fourth quarters, while slashing its annua...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.