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1. Company Snapshot

1.a. Company Description

SunCar Technology Group Inc., through its subsidiaries, provides digitalized automotive after-sales service and online insurance intermediation services in the People's Republic of China.It operates through three segments: Insurance Intermediation Business; Automotive After-Sales Business; and Technology Business.The Insurance Intermediation Business segment provides traditional auto insurance renewal services and new energy vehicles insurance services.


The Automotive After-Sales Business provides after-sales services to banking, insurance companies, and other customer types.The Technology Business segment provides auto insurance SaaS products and other technical services.SunCar Technology Group Inc.


was founded in 2007 and is based in Shanghai, China.

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1.b. Last Insights on SDA

Negative drivers behind SunCar Technology Group Inc.'s recent performance include the dilutive effect of the $50 million follow-on public offering, which may have put pressure on the stock. Additionally, the company's decision to grant underwriters a 30-day option to purchase up to $7.5 million additional Class A Ordinary Shares may have contributed to the negative sentiment. Furthermore, the integration of DeepSeek AI technology, while a strategic move, may have increased operational costs and uncertainty in the short term.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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SunCar Technology Group (NASDAQ:SDA) Stock Price Up 9.2% – Still a Buy?

Nov -26

Source: defenseworld.net

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SunCar Announces First Half 2025 Financial Results

Oct -27

Source: globenewswire.com

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SunCar's Collaboration with TikTok parent, ByteDance, Brings Powerful AI Technology to China's Auto Insurance and Auto Services Markets

Oct -20

Source: prnewswire.com

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SunCar Announces Its Plans to Invest up to $10 Million in Several Leading Real-World Asset (“RWA”) Cryptocurrencies

Sep -18

Source: businesswire.com

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SunCar and XPeng Enter a New Stage of Cooperation with the Launch of XPeng's G7 Model, Delivering Fully Intelligent Car Insurance to Drivers

Jul -08

Source: prnewswire.com

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SunCar's Partnership with Xiaomi Enters a New Phase to Support its YU7 Launch, Promoting Fully Intelligent Auto Insurance

Jun -30

Source: prnewswire.com

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SUNCAR TO PARTICIPATE IN UPCOMING INVESTOR CONFERENCES

Jun -06

Source: prnewswire.com

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SunCar Technology Reports First Quarter 2025 Results

May -19

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (11.98%)

6. Segments

Auto

Expected Growth: 12.3%

The AI-powered used car search engine is poised for growth driven by increasing demand for personalized car buying experiences, advancements in AI technology, and rising adoption of online car buying platforms.

Auto eInsurance

Expected Growth: 12.3%

The auto eInsurance market is driven by increasing adoption of digital platforms, growing demand for personalized insurance quotes, and rising need for efficient claims processing. SunCar Technology Group Inc.'s AI-powered platform is well-positioned to capitalize on these trends, with a forecast CAGR of 12.3% from 2023 to 2028.

Others

Expected Growth: 8.5%

Growing demand for automotive electronics and components, increasing adoption of electric vehicles, and rising need for advanced safety features drive the growth of miscellaneous products and services segment.

7. Detailed Products

Smart City Solutions

Integrated urban management systems for efficient city operations

Intelligent Transportation Systems

Advanced traffic management and monitoring solutions for optimized traffic flow

Public Safety Solutions

Advanced surveillance and emergency response systems for enhanced public safety

Smart Energy Management

Advanced energy management systems for optimized energy distribution and consumption

Data Analytics Platform

Advanced data analytics and visualization platform for informed decision-making

Cybersecurity Solutions

Advanced cybersecurity solutions for protecting critical infrastructure

8. SunCar Technology Group Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for SunCar Technology Group Inc. is medium due to the presence of alternative transportation methods such as public transportation, walking, and cycling.

Bargaining Power Of Customers

The bargaining power of customers for SunCar Technology Group Inc. is low due to the lack of switching costs and the availability of multiple transportation options.

Bargaining Power Of Suppliers

The bargaining power of suppliers for SunCar Technology Group Inc. is medium due to the presence of multiple suppliers and the company's dependence on them for raw materials.

Threat Of New Entrants

The threat of new entrants for SunCar Technology Group Inc. is high due to the low barriers to entry and the attractiveness of the market.

Intensity Of Rivalry

The intensity of rivalry for SunCar Technology Group Inc. is high due to the presence of multiple competitors and the high stakes in the market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 83.98%
Debt Cost 3.95%
Equity Weight 16.02%
Equity Cost 3.04%
WACC 3.80%
Leverage 524.20%

11. Quality Control: SunCar Technology Group Inc. passed 1 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Asbury Automotive Group

A-Score: 5.4/10

Value: 7.9

Growth: 7.4

Quality: 4.0

Yield: 0.0

Momentum: 7.0

Volatility: 6.0

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ECARX Holdings

A-Score: 5.4/10

Value: 9.0

Growth: 5.6

Quality: 5.6

Yield: 0.0

Momentum: 8.0

Volatility: 4.0

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Lithia Motors

A-Score: 5.3/10

Value: 6.7

Growth: 6.7

Quality: 5.2

Yield: 1.0

Momentum: 6.0

Volatility: 6.0

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Lanvin

A-Score: 5.1/10

Value: 9.2

Growth: 4.8

Quality: 6.5

Yield: 0.0

Momentum: 4.0

Volatility: 6.0

1-Year Total Return ->

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SunCar Technology Group

A-Score: 3.7/10

Value: 5.7

Growth: 6.6

Quality: 3.6

Yield: 0.0

Momentum: 0.5

Volatility: 5.7

1-Year Total Return ->

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ACV Auctions

A-Score: 3.4/10

Value: 6.5

Growth: 5.4

Quality: 4.4

Yield: 0.0

Momentum: 0.5

Volatility: 3.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

2.04$

Current Price

2.04$

Potential

-0.00%

Expected Cash-Flows