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Educational research only—not investment advice or a recommendation. Scores and estimates may use delayed, incomplete, restated, or corrected market and filing data. Independently verify information before making an investment decision.
SunCar Technology Group Inc.
SDANASDAQ
Wall Street Score · overall investment60/100
$0.43USD$-0.00 (-0.56%)
Severe listing-compliance risk
The share price is below $1 and the stored reverse-split/listing-risk level is HIGH. No verified reverse-split authorization or announced reverse split is currently recorded. This is a risk signal, not confirmation that Nasdaq has issued a deficiency notice.
SunCar Technology Group Inc. (SDA) is a Chinese enterprise that, through its subsidiaries, delivers integrated digital solutions for automotive after-sales support and online insurance brokerage. Its comprehensive operations are divided into three distinct segments: The Insurance Intermediation Business segment focuses on facilitating both traditional vehicle insurance renewals and specialized coverage for new energy vehicles (NEVs). Meanwhile, the Automotive After-Sales Business provides essential post-sales services to a diverse clientele, including banking institutions, insurance companies, and other corporate clients.
Detailed revenue, brand and relationship research has not yet been completed for SDA.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
60
Fair
PoorElite
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
47
Weak
Financial Strength
60
Business Quality / Moat
52
Management
33
Growth Quality
61
Risk / Durability
4
Cheap for a Reason · Review the Risks
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
76
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
72/100
Building Historical Record
Model Score 72/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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Reverse-split / listing-compliance risk: HIGH
This is a risk signal, not a prediction. It is separate from Wall Street Score and does not change the company score. It looks for listing-pressure signals such as prolonged Nasdaq trading below $1, very low share price, micro-cap size, negative free cash flow, and verified recent reverse splits.
Risk indicator: 50/100
WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
What we like
•Balance-sheet / debt profile scores strongly
•Valuation scores attractively
•Recent buyback activity is present
What to watch
•Debt service risk
Company-specific research
Questions worth answering for SDA
Research inputs 100% complete
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
•Can SDA maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
•Is SDA's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
•Is SDA's debt load manageable relative to cash generation, interest costs and upcoming maturities?
•Is SDA's valuation discount tied to a temporary concern or to a longer-term business risk?
•What does the current financial source inconsistency warning mean for the reliability or interpretation of SDA's score?
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
Volatility = How violently is it moving?
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for SDA
Detected from reported data — verify before acting.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.9x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total calls
0% Bullish (0) 0% Bearish (0)
No personal call yet on SDA.
What the Bulls Say
+Product opportunity: SunCar Technology Group Inc. (SDA) is a Chinese enterprise that, through its subsidiaries, delivers integrated digital solutions for automotive after-sales support and online insurance brokerage. Its comprehensive operations are divided into three distinct segments: The Insurance Intermediation Business segment focuses on facilitating both traditional vehicle insurance renewals and specialized coverage for new energy vehicles (NEVs). Meanwhile, the Automotive After-Sales Business provides essent.
+Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
No strong bearish data point is currently available.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdown
Wall Street Score
Fair60/ 100
Weak (0–50)Fair (51–71)Strong (72+)
Debt
Strong
74
Debt Cost5.0%
Debt Reduction YoY0.2%
Debt / Equity2.58x
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Revenue
Fair
61
Revenue YoY17.9%
Revenue CAGR22.2%
Net Margin0.6%
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Asset
Fair
62
Asset Growth YoY2.6%
Liquidation/Share$0.94
Net Assets/MCap4.41x
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Capital
Strong
73
Earnings Yield7.2%
Buyback Yield9.9%
Debt Cost5.0%
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Management
Poor
33
ROIC4.0%
ROE10.0%
ROA1.2%
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Moat
Fair
52
EPS Growth—
FCF/Share Growth-25.1%
Rev/Share Growth17.1%
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Valuation
Elite
97
Intrinsic Value$1.26
Value Reference$0.75
MOS0.6%
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Buffett
Fair
63
Revenue61
Moat52
Valuation97
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MOS
Elite
100
MOS %0.6%
Value Reference$0.75
Deep Discount Reference$0.50
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Financial
Weak
45
Interest Coverage0.9x
ROIC4.0%
FCF Yield11.9%
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Master
Fair
56
Financial45
Valuation97
Debt74
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Resilience
Poor
33
Survival Years1.1 yrs
Current Ratio1.24x
FCF Margin0.0%
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Score Changes
5 historical score records available
Previous Score
56
Sep 26, 2026
Change
+3.8
points
Current Score
60
Oct 1, 2026
Category Changes
Revenue+1.1
Debt0
Assets0
Capital+10.0
Management0
Moat0
Valuation+4.4
Buffett+0.7
SDA increased 3.8 points because Capital improved by 10 points, Valuation improved by 4.4 points.
Positive Contributors
+ Capital improved by 10 points
+ Valuation improved by 4.4 points
Projected Score
Projected Score
61
Projected Change
+80.0%
Preliminary comparable-period financial changes suggest improvement of approximately 0.8 points. This is a projected estimate, not the official WallStreetScore.