SunCar Technology Group Inc.
SunCar Technology Group Inc. Class A Ordinary Shares represent equity in SunCar Technology Group Inc., a Cayman Islands-based company headquartered in Shanghai, China. SunCar operates digital platforms focused on automotive after-sales services and insurance intermediation, serving drivers and business partners through cloud-based and mobile app-enabled solutions. Its current business centers on auto eInsurance, technology services, and auto services, with offerings designed to connect users to a network of service providers across China. The company also works with banks, insurers, and telecommunications firms through customized service solutions. SunCar Technology Group Inc. Class A Ordinary Shares are intended to reflect ownership in a company positioned within the broader digital automotive services and insurance technology market.
$0.31
-$0.01 (-3.79%)
EOD Oct 21, 2026
Operating margin is thin at 0.79%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue up 10.7% YoY with margins expanding 14.0pp. However, free cash flow softened 53%, worth monitoring whether this is timing or structural.
Free cash flow declined 53% versus the prior year, cash generation momentum has weakened. Net debt of $37M represents 7.0x FCF, leverage limits flexibility.
13.7x earnings, 4.7x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$518M
▲ +10.7% YoY
Net Income (TTM)
$3M
▲ +96.3% YoY
Op. Margin
1.90%
▲ +14.0pp YoY
ROIC
1.89%
▲ +32.4pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$7M
▼ -52.6% YoY
Op. Cash Flow (TTM)
$7M
▼ -56.0% YoY
Net Debt
$37M
Cash & Equiv.
$47M
3Y CAGR: +20.1%
Continue Research
Is SunCar Technology Group (SDA) overvalued?
At a P/E of 13.7 and a price-to-free-cash-flow of 4.7, SunCar Technology Group (SDA) trades below a two-stage DCF intrinsic value of about $0.77 per share, so at $0.31 the stock looks undervalued (151.1% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, SunCar Technology Group scores 54/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is SunCar Technology Group's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $0.77 per share for SDA, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $0.57. At today's $0.31, that puts the stock about 151.1% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is SunCar Technology Group a high-quality business?+
SunCar Technology Group scores 54 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 1.9% operating margin and a 1.9% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is SunCar Technology Group a good stock to buy right now?+
That depends on valuation and quality together, not either alone. SDA currently trades below its estimated intrinsic value and scores 54/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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