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Suncar Technology Group Inc. (SDA) stock

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NASDAQ: SDA Nasdaq Automotive Retail

C Fundamentals grade

Suncar Technology Group Inc. is a US-listed company in the automotive retail industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$0.4

Price-to-sales vs peers

Base case. Range ~$0.4–$2.0. Sales per share times peers' typical price-to-sales; used only when earnings are negative.

Price vs value

No Buy/Hold/Sell rating is issued: only 1 valuation models apply; a rating needs 3.

Suncar Technology Group Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Funds4 adding, 10 cuttingOf 3 active managers that changed their stake, 1 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Suncar Technology Group files

Where Suncar Technology stands after its latest Filing

Revenue for the twelve months was $489m, up 10.7% on a year earlier, slower than the 21.5% growth a quarter earlier. That growth ranks 5 of 23 among the automotive retail companies we cover. Free-cash-flow margin rose to 1.1% from -10.8% a year earlier. Operating margin narrowed to 0.8% from 4.2%. The diluted share count is up 6.3% on a year earlier, which dilutes existing holders. Against its peers on growth, profitability, cash generation and balance sheet, it grades C. It passes 5 of our 6 financial-health checks. Our price-to-sales vs peers value is $0.46 a share, against a share price of $0.21.

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Suncar Technology Group Inc.'s trailing-twelve-month revenue grew 10.7% year on year, with a free-cash-flow margin of 1.1%. Where it stands out: long-term debt as % of assets of 0.5% ranks 1 of 19 automotive retail companies we cover. Where it lags: days sales outstanding of 45 days ranks 13 of 14 automotive retail companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow fell 52.6% while net income grew 94.3%: a 147pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Margins widening. Operating margin is up 14.0 points on a year ago.

Things to watch

  • Growth slowing. The growth rate is 10.8 points lower than a quarter earlier.
  • Share dilution. Diluted shares rose 6.3% in a year.
  • Below peers: days sales outstanding. Days sales outstanding of 45 days ranks 13 of 14 automotive retail companies we cover (median 9 days).
  • Below peers: operating margin. Operating margin of 0.8% ranks 18 of 21 automotive retail companies we cover (median 3.7%).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 4 of the last four quarters.
  • Estimates being cut. Analysts' consensus for next year's earnings per share has fallen 6.2% over 90 days.

Latest results

Earnings per share
-$0.01 against an average estimate of $0.02: missed by 150.0%

Suncar Technology Group's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day-1.0%
  • 1 week-28.6%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$489M
Operating margin
0.8%
Net margin
-0.8%
EPS (TTM, diluted)
$-0.04

Growth

Revenue growth
+10.7%
Change in growth rate
−10.8 pts
Share count change
+6.3%

Cash

Free cash flow (TTM)
$5.3M
FCF margin
1.1%
Stock pay % of revenue
0.2%

News & updates

Updated November 2, 2026

Company announcements, filed results and changes that matter to shareholders.

No recent updates are available for SDA from the sources we follow. See filings →

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Suncar Technology Group Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: only 1 valuation models apply; a rating needs 3.

Valuation models

We value Suncar Technology Group Inc. as an operating company, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. — Does not apply: no positive earnings in the latest twelve months
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: the model gives no positive value
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: return on equity is not positive
Price-to-sales vs peers Sales per share times peers' typical price-to-sales; used only when earnings are negative. ~$0.4 ~$0.7–$2.0 Included, half weight
Cash-flow model (DCF) Free cash flow after stock pay, grown then faded to 2.5%, discounted at 8.5%. — Does not apply: Noncontrolling ownership is material. Its fair value and share of cash flow must be valued separately; a book-value deduction is insufficient.
Growth cash-flow model Revenue for this year and next from analysts' consensus, then growth fading to 2.5%; the operating margin moving to profitable peers'; investment needed per dollar of growth from peers; reduced by a failure probability. For young or fast-growing companies. The starting margin is normalized to between -100% and 60%; net margin is a proxy when operating income is not tagged. Uses analysts' consensus estimates (third-party data), not our forecasts. — Does not apply: Noncontrolling ownership is material. Its fair value and share of cash flow must be valued separately; a book-value deduction is insufficient.
Revenue-to-maturity model Revenue grown to maturity with the cash margin moving to the industry's; for companies not yet profitable. — Does not apply: Noncontrolling ownership is material. Its fair value and share of cash flow must be valued separately; a book-value deduction is insufficient.
Combined value Weighted average of the models that apply: the primary model (price-to-earnings vs peers) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$0.4 ~$0.4–$2.0 1 model

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Suncar Technology Group Inc. with Automotive Retail in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $0.05 +225% $595m +22%
Next $0.15 +200% $662m +11%

Next year's EPS estimate has moved −6.2% in 90 days, across 1 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −54.5% on 90 days ago. In the last 30 days, 0 analysts raised Suncar Technology Group Inc.'s forecast and 1 cut it.

Consensus EPS forecast Suncar Technology Group Inc., last 90 days
$0.00 $0.05 $0.10 $0.15 $0.20 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $0.11 Current fiscal year, 60 days ago: $0.11 Current fiscal year, 30 days ago: $0.08 Current fiscal year, 7 days ago: $0.08 Current fiscal year, Now: $0.05 $0.05 Next fiscal year, 90 days ago: $0.16 Next fiscal year, 60 days ago: $0.16 Next fiscal year, 30 days ago: $0.15 Next fiscal year, 7 days ago: $0.15 Next fiscal year, Now: $0.15 $0.15

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $0.11$0.16
60 days ago $0.11$0.16
30 days ago $0.08$0.15
7 days ago $0.08$0.15
Now $0.05$0.15

Earnings against estimates

Quarter toEstimateActualSurprise
Jun 2026 $0.02 −$0.01 −150.0%
Mar 2026 $0.01 $0.01 0.0%
Dec 2025 $0.03 $0.03 0.0%
Sept 2025 $0.02 $0.00 −100.0%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

1 analysts, Nov 2026
Buy1100%
Hold00%
Sell00%

Monthly trend

  1. Nov 202611

Counts of recommendations published by analysts covering Suncar Technology Group Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
0.8%
of tradable shares
Days to cover
0.36
at average volume
Short interest, 1 month
+20%
to October 15, 2026
Held by institutions
1%
of shares
Held by insiders
34.7%
of shares
Employees
544
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

Price behaviour

52-week range
Not enough history
From 52-week high
—
vs 50-day average
—
vs 200-day average
—
Volatility (1 year)
—
Beta vs S&P 500
—

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Suncar Technology Group Inc. in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Suncar Technology Group Inc.
$200M $300M $400M $500M FY21 Q4 FY22 Q4 FY23 Q4 FY24 Q4 FY25 Q4 Revenue (TTM), FY21 Q4: $249.2M Revenue (TTM), FY22 Q4: $282.4M Revenue (TTM), FY23 Q4: $363.7M Revenue (TTM), FY24 Q4: $441.9M Revenue (TTM), FY25 Q4: $489.3M $489.3M

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period Revenue (TTM)
FY21 Q4 $249.2M
FY22 Q4 $282.4M
FY23 Q4 $363.7M
FY24 Q4 $441.9M
FY25 Q4 $489.3M
Revenue growth, TTM YoY Suncar Technology Group Inc.
10% 15% 20% 25% 30% FY22 Q4 FY23 Q4 FY24 Q4 FY25 Q4 Revenue growth, TTM YoY, FY22 Q4: 13.3% Revenue growth, TTM YoY, FY23 Q4: 28.8% Revenue growth, TTM YoY, FY24 Q4: 21.5% Revenue growth, TTM YoY, FY25 Q4: 10.7% 10.7%

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period Revenue growth, TTM YoY
FY22 Q4 13.3%
FY23 Q4 28.8%
FY24 Q4 21.5%
FY25 Q4 10.7%
Operating margin (TTM) Suncar Technology Group Inc.
-15% -10% -5% 0% 5% FY21 Q4 FY22 Q4 FY23 Q4 FY24 Q4 FY25 Q4 Operating margin (TTM), FY21 Q4: 4.2% Operating margin (TTM), FY22 Q4: -4.5% Operating margin (TTM), FY23 Q4: -4.3% Operating margin (TTM), FY24 Q4: -13.2% Operating margin (TTM), FY25 Q4: 0.8% 0.8%

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period Operating margin (TTM)
FY21 Q4 4.2%
FY22 Q4 -4.5%
FY23 Q4 -4.3%
FY24 Q4 -13.2%
FY25 Q4 0.8%
FCF margin (TTM) Suncar Technology Group Inc.
-15% -10% -5% 0% 5% FY21 Q4 FY22 Q4 FY23 Q4 FY24 Q4 FY25 Q4 FCF margin (TTM), FY21 Q4: -10.8% FCF margin (TTM), FY22 Q4: -7.3% FCF margin (TTM), FY23 Q4: -9.0% FCF margin (TTM), FY24 Q4: 2.5% FCF margin (TTM), FY25 Q4: 1.1% 1.1%

Source: SEC EDGAR filings. Retrieved November 1, 2026.

View chart data
Period FCF margin (TTM)
FY21 Q4 -10.8%
FY22 Q4 -7.3%
FY23 Q4 -9.0%
FY24 Q4 2.5%
FY25 Q4 1.1%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 20-F. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025
Income
Revenue 249 282 364 442 489
EBITDA 14 −7 −11 −54 9
Operating income 10 −13 −15 −58 4
Net income −24 −7 −27 −69 −4
Diluted EPS −$0.29 −$0.08 −$0.31 −$0.72 −$0.04
Growth (year on year)
Revenue — +13.3% +28.8% +21.5% +10.7%
EBITDA — −152.0% — — —
Operating income — −221.4% — — —
Margins
EBITDA margin 5.8% −2.7% −3.1% −12.2% 1.8%
Operating margin 4.2% −4.5% −4.3% −13.2% 0.8%
Net margin −9.5% −2.4% −7.4% −15.5% −0.8%
Free-cash-flow margin −10.8% −7.3% −9.0% 2.5% 1.1%
Cash flow
Cash from operations −26 −16 −28 12 6
Capital spending 1 4 5 1 0
Free cash flow −27 −20 −33 11 5
Stock-based pay 2 2 10 62 1
Free cash flow after stock pay −29 −22 −42 −51 4
Balance sheet
Cash 35 21 31 27 25
Total debt 0 75 113 — 82
Net debt (negative = net cash) −35 53 82 −27 57
Diluted shares 82m 82m 85m 96m 102m
Returned to shareholders
Buybacks 1 1 — 4 —
Total returned 1 1 — 4 —

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Financial health

5 of 6 checks passed · December 31, 2025
What it owns · $253m
Short-term assets $183mLonger-term assets $70m
What it owes, and who funded it · $195m
Short-term liabilities $147mLonger-term liabilities $15mShareholders' equity $33m
  • Short-term assets cover short-term liabilities $183m of assets due within a year against $147m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $183m short-term assets against $15m of longer-dated liabilities.
  • More cash than debt $25m of cash against $1m of debt.
  • Debt below 40% of shareholders' equity Debt is 4% of equity.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt $6m of operating cash flow against $1m of debt.
  • Operating profit covers interest at least five times over Operating income of $4m against $4m of interest.

From Suncar Technology Group Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Dividends, buybacks and capital spending

FY2024 Q4 TTM
Buybacks (TTM)
$4.1M
Returned to shareholders
37%
of free cash flow
Buybacks, last 3 fiscal years
$5.8M
Diluted share count
+6.3%
year over year
Total shareholder yield
19.5%
dividends 0.0% + buybacks 19.5% of market value
R&D spending
1.8%
of revenue
Days sales outstanding
45 days
receivables vs revenue

Competitors: side by side with peers

Closest by revenue in automotive retail
Last 12 months unless stated SDA PRTS CRMT RDNW MNRO AZI Median
Revenue, last 12 months $489m $517m $1.1bn $1.1bn $1.1bn $123m $8.6bn
Revenue growth, last 12 months 10.7% −7.7% −21.6% −1.3% −4.4% −1.6% −0.8%
Revenue growth, 3-year average — −8.4% −8.8% −14.7% −4.2% — 2.1%
Revenue growth, latest quarter — 1.2% −57.3% −1.0% −1.8% — 1.2%
Gross margin — 33.1% 48.5% 27.7% 34.8% 1.8% 23.4%
Operating margin 0.8% −4.1% — 3.7% 1.7% −14.3% 3.7%
Operating margin, 3-year average — −6.3% — −1.6% 2.0% — 4.0%
Net margin −0.8% −4.0% −18.6% −0.8% 0.1% −13.4% 1.3%
Cash from operations / revenue 1.2% 0.5% 13.9% −1.4% 3.9% −3.8% 2.5%
Free-cash-flow margin 1.1% −1.3% 13.8% −1.9% 1.1% −3.8% 1.1%
Free-cash-flow margin, 3-year average — −3.6% 2.4% 1.1% 4.2% — 2.2%
Stock pay / revenue 0.2% 0.7% 0.2% 0.3% 0.6% 7.7% 0.3%
Change in share count 6.3% 1.6% 1.9% 4.5% 1.3% — −1.1%

Median of all 23 companies we cover in automotive retail. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

23 automotive retail companies
Measure Company Peer median Rank
Revenue growth Growth 10.7% -0.8% 5 of 23
Change in growth rate Growth -10.8pp -0.5pp 20 of 23
Operating margin Profitability 0.8% 3.7% 18 of 21
Net margin Profitability -0.8% 1.3% 18 of 23
Free-cash-flow margin Cash generation 1.1% 1.1% 11 of 23
Stock pay as % of revenue Cash generation 0.2% 0.3% 9 of 22
Long-term debt as % of assets Balance sheet 0.5% 28.4% 1 of 19
Change in share count Balance sheet 6.3% -1.1% 17 of 19
Days sales outstanding Balance sheet 45 days 9 days 13 of 14

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$238,177
Institutions reporting
8
Shares held vs prior quarter
▼ 7.3%
Positions opened / closed
2 / 9

Top buyers and sellers, Q2 2026: 4 institutions bought and 10 sold ; the biggest buyer was Jane Street Group, LLC (+63K shares) and the biggest seller HRT Financial LP (−50K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Alpine Global Management, LLC $76,665 95K 32.2% 0.0%
Citadel Advisors LLC $65,761 81K 27.6% ▲ 341.4%
Jane Street Group, LLC $51,215 63K 21.5% New
Blackrock, Inc. $22,695 28K 9.5% 0.0%
Xtx Topco Ltd $20,892 26K 8.8% New
Sbi Securities Co., Ltd. $945 1K 0.4% ▲ 53.3%
BNP Paribas Financial Markets $3 0K 0.0% 0.0%
Caitong International Asset Management Co., Ltd $1 0K 0.0% ▼ 75.0%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Suncar Technology Group Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Recent SEC filings

Data status

When each part of this page on Suncar Technology Group Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Suncar Technology Group Inc. in brief

What does Suncar Technology Group Inc. do?
Suncar Technology Group Inc. is a US-listed company in the automotive retail industry. Its financial year ends in December.
What is Suncar Technology Group Inc.'s stock ticker?
Suncar Technology Group Inc. trades under the ticker SDA on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Suncar Technology Group Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Suncar Technology Group Inc. reported revenue of $489M, 10.7% higher than a year earlier, according to its SEC filings.
What is Suncar Technology Group Inc.'s free cash flow?
Suncar Technology Group Inc.'s free-cash-flow margin is 1.1% of revenue over the trailing twelve months, ranking 11 of the 23 automotive retail companies we cover.
Who are Suncar Technology Group Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Alpine Global Management, LLC, Citadel Advisors LLC and Jane Street Group, LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Suncar Technology Group Inc. buying back stock, and does it pay a dividend?
Suncar Technology Group Inc. spent $4.1M on share repurchases over the trailing twelve months, and its diluted share count still rose 6.3% over the year.
How much debt does Suncar Technology Group Inc. have?
Suncar Technology Group Inc.'s debt-to-equity ratio is 4.4%, from its latest balance sheet. The financial health section below sets out its other solvency checks.
Who are Suncar Technology Group Inc.'s competitors?
In our Automotive Retail peer group, the companies closest to Suncar Technology Group Inc. are Carparts.com, Inc., Americas Carmart Inc, Ridenow Group, Inc., Monro, Inc. and Autozi Internet Technology (global) Ltd. The side-by-side comparison below sets their revenue, margins and growth against Suncar Technology Group Inc.'s.