SunCar Technology Group Inc.

SDA

Country: ChinaPrice: $0.25Market Cap: $25.6M

Investment snapshot

6%positive consensus

Scored 1d ago

Positive

BUY / PASS

Neutral / negative

2 / 13

NEUTRAL / FAIL

Median fair value

$3.17

+1162.9% vs price

Models with upside

2 / 17

Positive margin of safety

Strongest signal

SDA undervalued: all 2 models price fair value above $0.25 (median $3.17)

Key risk

No clean pass — all 16 investors flag at least one profitability criterion

Framework analysis

Verdict	Meaning
BUY	Positive purchase signal: the framework's buy requirements are met.
PASS	The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRAL	Neither a positive nor negative conclusion. It does not mean to hold an existing position.
FAIL	The company does not clear the framework's requirements.
Ranked	Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

Metric	Graham Defensive Value	Buffett Quality Compounder	Lynch GARP	Greenblatt Magic Formula	Piotroski F-Score	Dreman Contrarian Value	Munger Quality Focus	Pabrai Dhandho Framework	Akre Three-Legged Stool	Marks Risk-Aware Value	Ackman Activist Value	Templeton Global Bargain Hunter	Sleep Scale Economies Shared	Asness Systematic Factors	Neff Low-P/E Total Return	Schloss Asset-Value Discipline	O'Shaughnessy Systematic Factor Composite
Verdict	FAIL	FAIL	FAIL	FAIL · Rank #2859 (Top 92.3%)	PASS	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	NEUTRAL	FAIL	FAIL	NEUTRAL
Score
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Intrinsic Value (annual)	N/A	N/A	N/A	N/A	N/A	N/A		N/A	N/A	N/A		N/A	N/A	N/A	N/A	N/A	N/A
Margin of Safety	N/A	N/A	N/A	N/A	N/A	N/A	+88.3%	N/A	N/A	N/A	+94.0%	N/A	N/A	N/A	N/A	N/A	N/A
Financial Basis	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Market data at 2026-11-01 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Qualitative assessment Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Qualitative assessment Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Market data at 2026-11-01 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Price history 2025-01-01–2026-11-01 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Qualitative assessment Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Price history 2025-01-01–2026-11-01 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 Latest source filing: 2025-04-28 Score computed: 2026-11-14	Annual history · FY 2024 · Price history 2025-01-01–2026-11-01 Latest source filing: 2025-04-28 Score computed: 2026-11-14

Where It Passes

Valuation models100% pass✓ 2▾
SDA undervalued: all 2 models price fair value above $0.25 (median $3.17)
Munger fair value$2.14
✓Munger+88.3% margin vs $0.25
Ackman fair value$4.20
✓Ackman+94.0% margin vs $0.25
Cash Flow70% pass✓ 9✗ 3▾
7 of 10 pass — Buffett, Marks and Sleep object
Free Cash Flow Proxy$-60.5M
✗BuffettPositive and growing
FCF Positive and Growing$11.3M
✓LynchPositive and growing
Operating Cash Flow$11.8M
✓PiotroskiCFO > 0
(CFO / Total Assets) vs ROACFO/Assets=4.80%, ROA=-26.12%
✓PiotroskiCFO/Assets > ROA
Price / (CFO / Shares)2.0x
✓Dreman< 8x
P/E or FCF YieldFCF Yield=43.9%
✓PabraiP/E < 15 or FCF Yield > 10%
FCF Positive1/4 years FCF positive
✗MarksPositive FCF in majority of recent years
(OCF - CapEx) / Market Cap46.7%
✓Ackman>= 4%
Price / FCF per Share2.1x
✓Ackman<= 25
Positive Operating Cash Flow frequency1/4 years positive
✗SleepPositive OCF in >= 70% of available years
Operating Cash Flow - Capital Expenditures$11.3M
✓Neff> $0 (app proxy for a strong fundamental case)
(Operating cash flow - capex) / market capitalization+43.91%; #120/4519 (top 2.7%)
✓OshaughnessyTop 10% of eligible cross-section

Where It Falls Short

Profitability0% pass✓ 1✗ 34▾
No clean pass — all 16 investors flag at least one profitability criterion
Positive EPS (10 years)0/5 years positive
✗GrahamPositive EPS every year for 10 years
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Net Income Positive (10+ years)0/5 years positive
✗BuffettPositive every year for 10+ years
ROE (up to 5-year arithmetic mean)-239.9%
✗Buffett> 15% arithmetic mean (app rule)
Operating Margin (10-yr trend)-13.2% (latest)
✗BuffettStable or rising over 10 years
Free Cash Flow Proxy$-60.5M
✗BuffettPositive and growing
Earnings Variance (10-yr CoV)
✗BuffettCoV < 0.3
Retained Earnings Effectiveness
✗Buffett$1 retained -> > $1 market value created
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
ROE-542.0%
✗Lynch> 15%
EBIT / Enterprise Value-70.9%
✗Greenblatt> 10%
Earnings Yield + ROC AssessmentEY=-70.9%, ROC=-144.8%
✗GreenblattBoth EY > 10% and ROC > 25%
Net Income / Total Assets-26.12%
✗PiotroskiROA > 0
ROA Change YoY-7.87% -> -26.12% (delta: -18.25%)
✗PiotroskiCurrent ROA > Prior ROA
(CFO / Total Assets) vs ROACFO/Assets=4.80%, ROA=-26.12%
✓PiotroskiCFO/Assets > ROA
Gross Margin Change YoY
✗PiotroskiImproved YoY
Pre-Tax Income / Revenue-13.9%
✗Dreman>= 8%
Net Income / Shareholders' Equity-542.0%
✗Dreman> 12%
Margin of SafetyP/B=2.0x
✗PabraiP/B < 1.5 or P/E < 15
Return on Equity-239.9% (3-yr avg)
✗AkreROE > 20% (3-year avg)
Discount to Intrinsic ValueN/A (negative normalized EPS)
✗Marks>= 20% below intrinsic value
Positive Net Income Frequency0/4 years positive
✗MarksPositive net income in >= 7 of last 10 years
Operating Income / Revenue-13.2%
✗Ackman>= 15%
Net Income / Shareholders Equity-542.0%
✗Ackman>= 15%
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Operating Margin Trend-4.5% (2022) -> -13.2% (2024)
✗TempletonNon-negative operating-margin trend over 3 years
Revenue growth vs. gross and operating margin trendrevenue up, operating margin -4.5% -> -13.2%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
Net income / market capitalization-251.53%; #5732/6340 (top 90.4%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Gross profit / total assets
✗AsnessTop 30% of eligible cross-section
Net income / positive book equity-541.99%; #5083/5226 (top 97.3%)
✗AsnessTop 30% of eligible cross-section
Negative 5-year standard deviation of ROA-0.0902; #3347/5884 (top 56.9%)
✗AsnessTop 30% of eligible cross-section
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Positive Diluted-EPS Years
✗Schloss>= 70% positive over 5-10 observed years (app rule)
Growth0% pass✓ 2✗ 11▾
No clean pass — all 8 investors flag at least one growth criterion
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
Inventory Growth vs Revenue GrowthN/A (no inventory)
✓LynchInventory growth < Revenue growth
EPS Growth Direction$-0.29 (2021) -> $-0.72 (2024)
✗DremanPositive over recent years
EPS CAGR
✗Dreman> 5% annualized
Positive Net Income Frequency0/4 years positive
✗MarksPositive net income in >= 7 of last 10 years
3yr Median Revenue Growth21.5%
✓Ackman>= 5%
Positive EPS Growth Frequency1/3 years with positive EPS growth
✗AckmanPositive EPS growth in >= 3 of last 5 years
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Revenue growth vs. gross and operating margin trendrevenue up, operating margin -4.5% -> -13.2%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
5-year Revenue CAGR
✗SleepCAGR > 7%
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Efficiency0% pass✓ 1✗ 10▾
No clean pass — all 8 investors flag at least one efficiency criterion
Current Ratio1.25
✗Graham>= 2.0
ROIC (3-5 yr avg)-49.6%
✗Buffett> 10%
ROIC - WACC-59.6%
✗BuffettPositive (WACC = 10%)
EBIT / (NWC + Net Fixed Assets)-144.8%
✗Greenblatt> 25%
Current Ratio Change YoY1.41 -> 1.25
✗PiotroskiIncreased YoY
Revenue / Total Assets Change YoY1.63x -> 1.79x
✓PiotroskiImproved YoY
Current Assets / Current Liabilities1.25
✗Dreman> 1.5
Return on Invested Capital-48.3%
✗Munger> 15%
ROIC (high and growing)FY2022: ROIC=-27.9%; FY2023: ROIC=-9.5%; FY2024: ROIC=-48.3%
✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
Reinvestment Rate x ROICN/A (non-positive net income)
✗AkreReinvestment Rate * ROIC > 10%
ROIC (5-year)0/3 years above 12% (latest -48.3%)
✗SleepROIC > 12% in a majority of years
Verdicts7% pass✓ 1✗ 14▾
Split decision: 13 FAIL · 2 NEUTRAL · 1 PASS
Overall verdict
✗GrahamFAIL (1/9)✗BuffettFAIL (0/9)✗LynchFAIL (2/7)✗GreenblattRank #2859✓PiotroskiPASS (F-Score 4)✗DremanFAIL (1/11)✗MungerFAIL (0/4)✗PabraiFAIL (1/3)✗AkreFAIL (1/6)✗MarksFAIL (0/5)✗AckmanFAIL (3/9)✗TempletonFAIL (1/8)✗SleepFAIL (1/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (2/6)✗SchlossFAIL (0/7)•OshaughnessyNEUTRAL (Not ranked)
Debt & Leverage8% pass✓ 1✗ 14▾
11 of 12 flag SDA's debt & leverage — Graham, Buffett, Lynch +8 more
LT Debt vs Net Current Assets
✗GrahamLT Debt <= Net Current Assets
Debt/Equity & Interest CoverageD/E: 7.03, IC: -15.9x
✗BuffettD/E < 0.5 AND Interest Coverage > 5x
Total Debt / Equity7.03
✗Lynch< 0.33
Cash - Long-term Debt
✗LynchPositive preferred
LT Debt / Total Assets Change0.00% -> 0.00%
✓PiotroskiDecreased YoY
Current Assets / Current Liabilities1.25
✗Dreman> 1.5✗SchlossCurrent ratio >= 1.50x (app cutoff)
Total Debt / Shareholders' Equity7.03
✗Dreman< 0.8✗Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✗SchlossD/E < 1.00x
Debt Levels7.03
✗MungerDebt/Equity < 0.5✗AkreDebt/Equity < 0.3
Interest Coverage & Debt/EBITDAIC=-15.9x, D/EBITDA=N/A
✗MarksInterest Coverage > 3x; Debt/EBITDA < 4x
Total Debt / Shareholders Equity7.03
✗Ackman<= 1.0
Negative debt-to-equity (higher means less debt)-7.0297; #4119/4210 (top 97.8%)
✗AsnessTop 30% of eligible cross-section
Valuation15% pass✓ 5✗ 23▾
11 of 13 flag SDA's valuation — Graham, Lynch, Greenblatt +8 more
Price / 3-yr avg EPS
✗Graham<= 15x
Price-to-Book Ratio2.0x
✗Graham<= 1.5x
P/E x P/B
✗Graham<= 22.5
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
EBIT / Enterprise Value-70.9%
✗Greenblatt> 10%
Earnings Yield + ROC AssessmentEY=-70.9%, ROC=-144.8%
✗GreenblattBoth EY > 10% and ROC > 25%
Price / EPS
✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
Price / (CFO / Shares)2.0x
✓Dreman< 8x
Price / Book Value per Share2.0x
✗Dreman< 1.2x✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
Valuation ReasonablenessOE Yield=-251.2%
✗MungerP/E < 25 or Owner Earnings Yield > 5%
P/E or FCF YieldFCF Yield=43.9%
✓PabraiP/E < 15 or FCF Yield > 10%
P/B or P/E vs. Historical AverageP/B=2.0x
✗MarksP/E < 15 or P/B < 2.0
Discount to Intrinsic ValueN/A (negative normalized EPS)
✗Marks>= 20% below intrinsic value
Price / FCF per Share2.1x
✓Ackman<= 25
Price vs. Trailing Low120% of trailing low ($0.21)
✗Templeton<= 120% of trailing low (certified split-adjusted live window)
Net income / market capitalization-251.53%; #5732/6340 (top 90.4%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Positive book equity / market capitalization+0.4641; #3019/6449 (top 46.8%)
✗AsnessTop 30% of eligible cross-section
Price / Diluted EPS
✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
(EPS CAGR % + Dividend Yield %) / P/E
✗Neff> 0.7 (Neff's published traditional edge)
Price / Tangible Book Value per Share2.03x
✗SchlossP/TBV <= 1.00x (app cutoff)
Book Value per Share Change-61.8%
✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
Revenue / market capitalization+17.2449; #229/5247 (top 4.4%)
✓OshaughnessyTop 10% of eligible cross-section
(Operating cash flow - capex) / market capitalization+43.91%; #120/4519 (top 2.7%)
✓OshaughnessyTop 10% of eligible cross-section
Trailing six-month price return through the evaluation date-69.24%; #5639/6202 (top 90.9%)
✗OshaughnessyTop 10% of eligible cross-section

Business & financials

Financial snapshot: annual FY 2024. Current investor scores may use newer quarterly data.

Company Profile

Industry: Personal Services

SIC Sector: Auto Repair & Services

Size: Micro Cap($25.6M)

Revenue: $441.9M+21.5% YoY

Net Income: $64.5M-266.6% YoY

Financial Snapshot

Operating Margin-13.2%

Return on Equity-542.0%

Debt / Equity7.03

Current Ratio1.25

EPS (Diluted)$-0.72

Buybacks (1y)$4.1M

Buybacks (2y)$6.1M

Shares Retired−12.4% / −17.6% 2y

Similar Companies

EDUNew Oriental Education & Technology Group Inc.

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GHCGraham Holdings Co

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LAURLAUREATE EDUCATION, INC.

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Shareholder Return

Fiscal 2024

Issued 12.4% of shares last year, 17.6% issued over two.

Buybacks: $4.1M
Dividends: —

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

Metric	FY 2024 Sources 20-F · 2025-04-28	FY 2023 Sources 20-F · 2024-04-29	FY 2022 Sources 20-F · 2024-04-29	FY 2021 Sources 20-F · 2024-04-29	FY 2020 Sources 20-F · 2024-04-29
Market Cap	$25.6Mcurrent	$769.0Mest.	$852.3Mest.	$813.6Mest.	--
Revenue	$441.9M↑21%	$363.7M↑29%	$282.4M↑13%	$249.2M	--
Operating Income	-$58.4M↓277%	-$15.5M↓23%	-$12.6M↓221%	$10.4M	--
Net Income	-$64.5M↓267%	-$17.6M↓48%	-$11.9M↑34%	-$18.1M	--
EPS (Diluted)	$-0.72↓132%	$-0.31↓287%	$-0.08↑72%	$-0.29	--
Gross Margin	—	—	—	—	—
Operating Margin	-13.2%↓211%	-4.3%↑5%	-4.5%↓207%	4.2%	—
ROE	-542.0%↓396%	-109.3%↓149%	225.2%↑429%	-68.4%	—
Total Debt	$83.6M↓26%	$112.7M↑176%	$40.9M	--	--
Shareholders' Equity	$11.9M↓26%	$16.1M↑404%	-$5.3M↓120%	$26.5M↓47%	$49.5M
Current Ratio	1.25↓11%	1.41↑50%	0.94	—	—
Debt / Equity	7.03	7.01↑191%	-7.73	—	—
Operating Cash Flow	$11.8M↑143%	-$27.7M↓71%	-$16.1M↑37%	-$25.6M	--
Free Cash Flow	$11.3M↑135%	-$32.6M↓59%	-$20.5M↑24%	-$26.9M	--

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Personal Services

SDA vs Peers — Financial Grading

Revenue$441.9MBottom 25%

Net Income$64.5MBottom 25%

ROE-542.0%Bottom 25%

D/E7.03Bottom 25%

Op. Margin-13.2%Bottom 25%

Curr. Ratio1.25Median

Company	Market Cap	Price	Revenue	Net Income	ROE	D/E	Op. Margin	Curr. Ratio	Graham	Buffett	Lynch	Greenblatt	Piotroski	Dreman
New Oriental Education & Technology Group Inc.EDU	$8.3B	$53.28	$4.9B	$371.7M	10.2%	0.00	8.7%	1.58	1/9	2/9	3/7	1/3	F-Score 7	6/11
H&R BLOCK INCHRB	$6.1B	$50.01	$3.8B	$605.8M	681.4%	20.73	22.0%	0.90	3/9	4/9	3/7	1/3	F-Score 4	4/11
Graham Holdings CoGHC	$5.2B	$1244.05	$4.9B	$292.3M	6.1%	0.18	4.8%	1.75	6/9	0/9	3/7	0/3	F-Score 6	5/11
LAUREATE EDUCATION, INC.LAUR	$4.8B	$35.03	$1.7B	$281.6M	23.7%	0.11	25.3%	0.67	1/9	5/9	6/7	3/3	F-Score 6	4/11
UNIFIRST CORPUNF	$4.3B	$235.39	$2.4B	$148.3M	6.8%	—	7.6%	3.18	3/9	5/9	2/7	0/3	F-Score 6	3/11
Covista Inc.CVSA	$3.9B	$118.17	$2.0B	$251.6M	17.4%	0.46	19.6%	1.09	1/9	4/9	5/7	0/3	F-Score 6	4/11
BRIGHT HORIZONS FAMILY SOLUTIONS INC.BFAM	$2.5B	$52.68	$2.9B	$193.1M	14.4%	0.56	10.7%	0.52	1/9	1/9	4/7	0/3	F-Score 8	3/11
UNIVERSAL TECHNICAL INSTITUTE INCUTI	$1.2B	$21.99	$835.6M	$63.0M	19.2%	0.27	10.0%	1.07	1/9	4/9	1/7	0/3	F-Score 6	2/11