SunCar Technology Group Inc. (SDA) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $62.1M is the value of all shares combined. Beta 0.20: the stock has moved about 80% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 4, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerSunCar Technology Group Inc. (SDA) trades at $0.609 with MoonshotScore 36/100 (Grade D). SunCar Technology Group Inc. operates in China, providing digitalized automotive after-sales service and online insurance intermediation. Market cap: $62.1M, Sector: Consumer cyclical.
Price as of Sep 11, 2026 · Last analyzed: May 4, 2026SDA stock analysis for 2026: Analysts have set a consensus price target of $6.00 for SunCar Technology Group Inc., suggesting 885.2% upside from the current price of $0.61. The AI MoonshotScore is 36/100, in the Weak band (below 45) — a research signal, not a recommendation. Key factors: analyst coverage, AI-driven quantitative scoring.
These figures come from statements filed 12 months ago — the most recent this company has published.
SDA: 1/3 scored disciplines lean bearish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Strongest side: Valuation (8/10, Strong). Weakest side: Momentum (1/10, Negative).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
SunCar Technology Group Inc. (SDA) Consumer Business Overview
SunCar Technology Group Inc. provides digitalized automotive after-sales services and online insurance intermediation in China. Operating through three segments, the company focuses on insurance intermediation, automotive after-sales services, and technology solutions. It caters to banking, insurance, and other customer types within the Chinese market.
What Is the Investment Thesis for SDA?
SunCar Technology Group Inc. presents a unique investment opportunity within the Chinese automotive after-sales and insurance intermediation market. With a market capitalization of $62.1M, the company's focus on digitalized services positions it to capitalize on the increasing demand for technology-driven solutions. Key value drivers include the expansion of its Technology Business segment, offering SaaS products, and the growth in new energy vehicle insurance services. However, investors should be aware of the company's negative profit margin of -1.5%. Upcoming catalysts include potential partnerships with major automotive manufacturers and insurance providers. The company's low beta of 0.20 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
SDA Key Highlights
Market capitalization of $62.1M indicates its current valuation in the market.
- Operates in three segments: Insurance Intermediation Business, Automotive After-Sales Business, and Technology Business.
- Gross margin of 10.4% reflects the profitability of its services before operating expenses.
- Employs 560 individuals, indicating the scale of its operations.
- Beta of 0.20 suggests lower volatility compared to the broader market.
Who Are SDA's Competitors?
SDA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| OTH Off The Hook YS Inc. | $2.57 | +2.19% | $64.3M | — |
| CANG Cango Inc. | $1.80 | -7.22% | $70.8M | — |
| VRM Vroom, Inc. | $10.31 | -1.01% | $54.0M | 325-pillar |
| LAZY Lazydays Holdings, Inc. | $5.34 | 0.00% | $77.1M | — |
| CZOO Cazoo Group Ltd | $6.04 | +0.17% | $29.5M | — |
| RMBL RumbleON, Inc. | $3.71 | +14.15% | $140M | — |
| MTPTF Motorpoint Group Plc | $1.78 | 0.00% | $142M | 459-signal |
| CRMT America's Car-Mart, Inc. | $1.79 | +12.58% | $14.9M | 435-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are SDA's Key Strengths?
Digitalized service offerings.
- Diverse revenue streams across three segments.
- Focus on new energy vehicle insurance.
- Established presence in Shanghai.
What Are SDA's Weaknesses?
Negative profit margin.
- Limited geographic diversification.
- Dependence on the Chinese market.
- Unknown brand recognition outside of Shanghai.
What Could Drive SDA Stock Higher?
Potential partnerships with major automotive manufacturers to integrate after-sales services.
- Expansion of the Technology Business segment with new SaaS product offerings.
- Growth in the new energy vehicle market driving demand for specialized insurance services.
What Are the Key Risks for SDA?
Financial-distress signal — its Altman Z-Score of 1.47 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-9.6%) — the business is not currently generating profit on shareholder capital.
- Inconsistent delivery — missed Wall Street EPS estimates in 4 of the last 5 reported quarters.
- Regulatory changes in the Chinese automotive market impacting insurance intermediation.
- Economic slowdown in China affecting consumer spending on automotive services.
- Intense competition from established insurance providers and technology platforms.
What Are the Growth Opportunities for SDA?
- Expansion of Technology Business Segment: SunCar's Technology Business segment, which provides auto insurance SaaS products and other technical services, represents a significant growth opportunity. As the automotive industry becomes increasingly digitalized, the demand for SaaS solutions is expected to rise. By focusing on developing innovative and user-friendly SaaS products, SunCar can attract a larger customer base and generate recurring revenue streams. The market for automotive SaaS solutions in China is projected to reach $1 billion by 2028, offering substantial growth potential.
- New Energy Vehicle (NEV) Insurance Services: The increasing adoption of new energy vehicles (NEVs) in China presents a unique growth opportunity for SunCar's Insurance Intermediation Business. NEVs require specialized insurance coverage due to their unique technology and components. By focusing on developing tailored insurance products for NEVs, SunCar can capture a significant share of this rapidly growing market. China is the world's largest NEV market, with sales expected to reach 10 million units in 2026, creating a substantial demand for NEV insurance services.
- Strategic Partnerships with Automotive Manufacturers: Collaborating with automotive manufacturers can provide SunCar with access to a wider customer base and enhance its service offerings. By partnering with manufacturers, SunCar can integrate its after-sales services and insurance products into the vehicle sales process, creating a seamless customer experience. These partnerships can also lead to the development of co-branded products and services, further strengthening SunCar's market position. The automotive industry is increasingly focused on building ecosystems, making strategic partnerships crucial for growth.
- Geographic Expansion within China: While SunCar is based in Shanghai, expanding its operations to other regions within China represents a significant growth opportunity. Different regions may have varying demands for automotive after-sales services and insurance products, allowing SunCar to tailor its offerings to local market conditions. By establishing a presence in key cities and provinces, SunCar can increase its market share and diversify its revenue streams. China's vast geographic landscape offers numerous opportunities for expansion.
- Enhancement of After-Sales Service Network: Improving and expanding its after-sales service network can enhance customer satisfaction and drive repeat business. By investing in training programs for its service technicians and expanding its network of service centers, SunCar can provide high-quality and reliable after-sales services. This can lead to increased customer loyalty and positive word-of-mouth referrals. The after-sales service market is a critical component of the automotive industry, and a strong service network is essential for long-term success.
What Are SDA's Competitive Advantages?
- Established presence in the Chinese automotive market.
- Integrated service offerings across insurance and after-sales.
- Technology-driven solutions enhancing service efficiency.
What Does SDA Do?
Founded in 2007 and based in Shanghai, China, SunCar Technology Group Inc. has established itself as a provider of digitalized automotive after-sales service and online insurance intermediation services. The company operates through three primary segments: Insurance Intermediation Business, Automotive After-Sales Business, and Technology Business. The Insurance Intermediation Business focuses on providing traditional auto insurance renewal services alongside new energy vehicle insurance services. The Automotive After-Sales Business caters to banking, insurance companies, and other customer types, offering comprehensive after-sales solutions. The Technology Business segment delivers auto insurance SaaS products and other technical services, enhancing its service offerings. SunCar's integrated approach allows it to serve a diverse clientele within the Chinese automotive market, leveraging technology to streamline and enhance traditional services. With 560 employees, SunCar is positioned to capitalize on the growing demand for digitalized automotive services in China.
What Products and Services Does SDA Offer?
- Provides digitalized automotive after-sales services in China.
- Offers online insurance intermediation services.
- Operates through three segments: Insurance Intermediation, Automotive After-Sales, and Technology Business.
- Provides traditional auto insurance renewal services.
- Offers new energy vehicle insurance services.
- Provides after-sales services to banking and insurance companies.
- Offers auto insurance SaaS products and other technical services.
How Does SDA Make Money?
- Generates revenue through insurance intermediation services.
- Earns income from providing automotive after-sales services.
- Revenue from technology business segment through SaaS products and technical services.
What Industry Does SDA Operate In?
SunCar Technology Group Inc. operates within China's automotive after-sales service and online insurance intermediation industry. This sector is experiencing growth due to increasing vehicle ownership and the rising demand for digitalized services. The competitive landscape includes traditional insurance providers, automotive service companies, and emerging technology platforms. SunCar's focus on integrating technology into traditional services positions it to capture a share of this expanding market. The shift towards new energy vehicles also presents opportunities for specialized insurance products and services.
Who Are SDA's Key Customers?
- Banking institutions
- Insurance companies
- Individual vehicle owners
Research confidence
Broad, current evidence sits behind this analysis.
- ● Scored on 100% of our measures
- ● Price is current
- ● Latest filing 107 days ago
- ● Covered by analysts
Why 36?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.54 Enterprise value vs sales (Valuation)
- +0.42 Volatility vs the market (Financial Strength)
- +0.32 Operating income growth (Growth)
What is holding it back
- -0.37 Gross margin (Business Quality)
- -0.28 Debt to equity (Financial Strength)
- -0.27 Gross profit per dollar of assets (Business Quality)
Risk penalties applied
- -0.07 Bankruptcy-risk score in the grey zone
- -1.20 Loss-making with negative retained earnings
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 53 |
| 2026-08-26 | 53 |
| 2026-08-29 | 53 |
| 2026-09-01 | 35 |
| 2026-09-04 | 35 |
| 2026-09-07 | 35 |
| 2026-09-10 | 35 |
What changed?
The grade moved from 53 to 35 (-18).
Over the same 18 days the stock moved -21.5%.
Company Profile
SunCar Technology Group Inc. operates in the Auto - Dealerships industry within the Consumer Cyclical sector. It is headquartered in Shanghai, CN. The company is led by CEO Zaichang Ye. SDA has traded publicly since 2021.
SunCar Technology Group Inc. Financial Trajectory
SunCar Technology Group Inc. (SDA) reported $131.2M in revenue for Q1 FY2026, a decline of 13.3% compared to the prior quarter. The company recorded net income of $728K, with diluted EPS of $0.01. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Consumer Cyclical. Across the four most recent quarters, SDA averaged $-0.01 in diluted EPS.
How SunCar Technology Group Inc. Is Valued
SunCar Technology Group Inc. carries a market capitalization of $62.1M, placing it in the micro-cap category. Analyst price targets span from $6.00 to $6.00, with a consensus of $6.00. At the current price of $0.61, that implies approximately 885% upside potential. Relative to its peer group, SDA's quantitative score of 36/100 is roughly in line with the peer average of 40/100.
Key Financial Metrics
Return on equity for SunCar Technology Group Inc. stands at -9.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.1%, showing how much profit it generates from its asset base. Its free cash flow yield is 10.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.28 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -4.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
SunCar Technology Group Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.47 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
SunCar Technology Group Inc. has missed Wall Street's EPS estimate in 4 of its last 5 reported quarters — a recurring pattern of falling short of estimates. Reported results have landed about 84.6% below estimates on average.
SDA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Digitalized service offerings.
- Diverse revenue streams across three segments.
- Focus on new energy vehicle insurance.
- Established presence in Shanghai.
Bear Case
- Negative profit margin.
- Limited geographic diversification.
- Dependence on the Chinese market.
- Unknown brand recognition outside of Shanghai.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · September 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 FY2026 | $131M | $728,000 | $0.01 |
| Q4 FY2025 | $151M | $4M | $0.03 |
| Q3 FY2025 | $116M | -$91,000 | -$0.0009 |
| Q2 FY2025 | $120M | -$7M | -$0.07 |
Q1 FY2026 · filed 27 May 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
SDA Latest News
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12 Consumer Discretionary Stocks Moving In Thursday's After-Market Session
benzinga · Sep 10, 2026
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12 Consumer Discretionary Stocks Moving In Wednesday's Pre-Market Session
benzinga · Sep 9, 2026
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Top Premarket Decliners
MT Newswires · Sep 9, 2026
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12 Consumer Discretionary Stocks Moving In Tuesday's After-Market Session
benzinga · Sep 8, 2026
SDA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for SDA.
Price Targets
Median: $6.00 (+885.2% from current price)
Source: FMP analyst consensus · as of Aug 25, 2026 · an estimate, not advice
SDA MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. SDA scores 36/100 (Grade D): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Latest News
12 Consumer Discretionary Stocks Moving In Thursday's After-Market Session
12 Consumer Discretionary Stocks Moving In Wednesday's Pre-Market Session
Top Premarket Decliners
12 Consumer Discretionary Stocks Moving In Tuesday's After-Market Session
Leadership: Zaichang Ye
CEO
Zaichang Ye is the CEO of SunCar Technology Group Inc. His background includes extensive experience in the technology and automotive sectors. He has a proven track record of driving innovation and growth in dynamic market environments. Prior to joining SunCar, Zaichang held leadership positions at several technology companies, where he focused on developing and implementing digital strategies. His expertise spans across various areas, including product development, marketing, and operations. Zaichang's leadership is instrumental in guiding SunCar's strategic direction and expansion initiatives.
Track Record: Under Zaichang Ye's leadership, SunCar Technology Group Inc. has focused on expanding its digitalized service offerings and strengthening its position in the Chinese automotive market. Key achievements include the development of innovative SaaS products for the insurance industry and the expansion of its new energy vehicle insurance services. Zaichang has also overseen the implementation of strategic partnerships with automotive manufacturers, enhancing SunCar's market reach and service capabilities. His focus on technology-driven solutions has contributed to the company's growth and competitiveness.
Common Questions About SDA (Consumer Cyclical)
What does the AI Score mean for SDA?
SDA holds an AI Score of 36/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers. SunCar Technology Group Inc. operates in China, providing digitalized automotive after-sales service and online insurance intermediation.
Is SDA a good stock?
Stock Expert AI does not rate SDA buy, sell or hold. SunCar Technology Group Inc. carries a MoonshotScore of 36/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about SDA stock?
Analyst coverage of SunCar Technology Group Inc. (SDA) is currently limited. Key valuation metrics to consider include its market capitalization of $62.1M and its gross margin of 10.4%.
What are the key factors to evaluate for SDA?
SunCar Technology Group Inc. (SDA) holds an AI score of 36/100 (low). Analysts target $6.00 (+885%). However, investors should be aware of the company's negative profit margin of -1.5%. Not financial advice.
How frequently does SDA data refresh on this page?
SDA's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SDA's recent stock price performance?
SunCar Technology Group Inc. (SDA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Digitalized service offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SDA overvalued or undervalued right now?
SunCar Technology Group Inc. (SDA) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Analysts target $6.00 (+885%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of SDA?
Yes, most major brokerages offer fractional shares of SunCar Technology Group Inc. (SDA) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track SDA's earnings and financial reports?
SunCar Technology Group Inc. (SDA) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for SDA earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is limited.
- Analyst coverage is sparse.