SunCar Technology Group Inc.(SDA)Earnings, Financials & Key Ratios
SDA•NASDAQ
$0.90
Price updated Jul 6, 2026
AboutSunCar Technology Group Inc., through its subsidiaries, provides digitalized automotive after-sales service and online insurance intermediation services in the People's Republic of China. It operates through three segments: Insurance Intermediation Business; Automotive After-Sales Business; and Technology Business. The Insurance Intermediation Business segment provides traditional auto insurance renewal services and new energy vehicles insurance services. The Automotive After-Sales Business provides after-sales services to banking, insurance companies, and other customer types. The Technology Business segment provides auto insurance SaaS products and other technical services. SunCar Technology Group Inc. was founded in 2007 and is based in Shanghai, China.Show more
- Revenue$489M+10.7%
- EBITDA$11M+120.4%
- Net Income-$4M+94.3%
- EPS (Diluted)-0.04+94.4%
- Gross Margin10.37%-11.0%
- EBITDA Margin2.21%+118.4%
- Operating Margin0.79%+106.0%
- Net Margin-0.81%+94.8%
- ROE-5.02%+95.1%
SDA Price & Volume
SunCar Technology Group Inc. (SDA) stock price & volume — 10-year historical chart
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Volatile Margins Obscure Persistent Operational Cash Burn
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Liquidity and margin volatility
Key Thesis Takeaways
- SunCar Technology Group faces significant structural challenges as its business model struggles to convert top-line revenue growth into consistent profitability.
- While the company has achieved revenue growth of 27.9% in 2026Q1, the extreme volatility in gross margins—ranging from -55.4% in 2025Q4 to 50.3% in 2026Q1—suggests a lack of pricing power and operational predictability.
- Investors should remain cautious given the persistent cash flow disconnect, where net income of $728.0K in 2026Q1 was accompanied by a $7.9M operating cash outflow, signaling potential long-term liquidity risks.
Verdict Logic
the company's inability to generate consistent free cash flow, evidenced by a $8.0M outflow in 2026Q1, combined with a dwindling cash balance of $13.5 million, presents a high risk to long-term solvency.
SDA Growth Metrics
SunCar Technology Group Inc. (SDA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.41%
3 Years20.1%
TTM16.91%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM92.72%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM93.53%
Return on Capital
10 Years-10.41%
5 Years-17.87%
3 Years-26.89%
Last Year3.97%
SDA Recent Earnings
SunCar Technology Group Inc. (SDA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
May 27, 2026Metric
Actual
Est
EPS
$0.01+0.0%
$0.01
Rev
$131M-1.0%
$132M
Q2 2026
Apr 2, 2026Metric
Actual
Est
EPS
$0.03-25.0%
$0.04
Rev
$151M-0.6%
$152M
Q4 2025
Dec 18, 2025Metric
Actual
Est
EPS
$0.00-103.0%
$0.03
Rev
$116M-3.1%
$119M
Q4 2025
Sep 19, 2025Metric
Actual
Est
EPS
$0.07-275.4%
$0.04
Rev
$120M-15.7%
$142M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 27, 2026 | $0.01vs $0.01+0.0% | $131Mvs $132M-1.0% |
| Q2 2026 | Apr 2, 2026 | $0.03vs $0.04-25.0% | $151Mvs $152M-0.6% |
| Q4 2025 | Dec 18, 2025 | $0.00vs $0.03-103.0% | $116Mvs $119M-3.1% |
| Q4 2025 | Sep 19, 2025 | $0.07vs $0.04-275.4% | $120Mvs $142M-15.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for SunCar Technology Group Inc. (SDA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.90 | $91.81M | -22.50 | 10.73% | -0.81% | -5.02% | — | |
| $98.52 | $6.52B | 71.91 | 15.24% | 9.48% | 5.13% | — | |
| $0.42 | $8.42M | -0.61 | -3.73% | -64.25% | -9.15% | — | |
| $2.05 | $1.08M | -0.01 | -82.47% | -140.37% | — | — | |
| $4.17 | $6.52M | -0.01 | — | -72646.9% | -498.39% | — | |
| $35.66 | $3.44B | 23.01 | 4.99% | 15.57% | 41.93% | — |
Compare SDA vs Peers
SunCar Technology Group Inc. (SDA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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SDA Frequently Asked Questions
SunCar Technology Group Inc. (SDA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is SunCar Technology Group Inc.'s revenue?
SunCar Technology Group Inc. (SDA) reported $517.9M in revenue for fiscal year 2025.
How fast is SunCar Technology Group Inc. growing?
SunCar Technology Group Inc. (SDA) grew revenue by 10.7% over the past year. This is steady growth.
Is SDA profitable?
SunCar Technology Group Inc. (SDA) reported a net loss of $3.0M for fiscal year 2025.
Dividend & Returns
What is SDA's return on equity?
SunCar Technology Group Inc. (SDA) has a return on equity (ROE) of -5.0%. Negative ROE indicates the company is unprofitable.
What is SunCar Technology Group Inc.'s free cash flow?
SunCar Technology Group Inc. (SDA) generated $6.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.