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Sentage Holdings Inc (SNTG) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Sentage Holdings Inc stock $1.56, price $1.64, that is 4.9% below the price, quality 35 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services US · Based in China · ISIN KYG8062B1142

SH Sentage Holdings Inc logo Thin data Nov 10, 2026

Sentage Holdings Inc

SNTG · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Low debt
Fair value $1.56 · Fairly valued
Revenue last quarter 36% below a year ago.
Quality 35/100
Weak Growth (revenue 5y −54.7 %/yr in USD)
Negative free cash flow
Trails peers (2/8)
Narrow moat 12/100
Thin data
Estimate
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$33.50 $1.45 Fair Value $1.56 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $1.45 – $33.50 · fair‑value band $1.17 – $1.95 · the $1.64 price screens above the $1.56 fair value. As of Nov 10, 2026.

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Company profile

Sentage Holdings Inc. provides a range of financial services in the People's Republic of China. It offers prepaid payment network, and technology consulting and support services. The company was incorporated in 2019 and is headquartered in Shanghai, the People's Republic of China.

Stock analysis

Sentage Holdings Inc (SNTG) currently trades at $1.64, while our estimate is $1.56, so the stock looks roughly fairly valued today (gap 5.1%).

Show more

Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $1.17 (bear) to $1.95 (bull), the price of $1.64 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Sentage Holdings Inc reported revenue of $68.9K in FY2025 versus $2.3M in FY2021, a compound −58.2%/yr. Reported net income was −$2.3M in FY2025.

Key figures

Market cap $4.6M Micro · P/S ratio 69.9 · EPS (TTM) $−0.8100 · Return on equity −25.2% · Return on assets (EBIT) −14.7% (5-year average) · Operating margin −2,146% · Revenue (TTM) $68.9K · Revenue growth (YoY) −35.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 12 out of 100 (medium confidence).

What moves the price

The share trades about 34% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −5%, SNTG screens richer than that median.

Fair Value

Bear $1.17 Fair Value $1.56 Bull $1.95
Price $1.64 · Downside -4.9%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 35/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 0
How much profit the company makes from its sales and capital
Quality Growth 10
Are margins and returns getting better?
Cashflow 2
Do the profits arrive as real cash?
Financial strength 72
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 18
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 10
Distance to the 52-week high, does not count
New shares 52
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−35.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−24.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−54.7%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−47.6%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
60.6% (2020) → −3,301.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Compare Sentage Holdings Inc with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −4.9% · Below median
Profitability
Return on assets −23.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −35.9% · Bottom 25%
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.58× · Cheapest 25%
P/S (12 months) 66.77× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 47
FUTURE (revenue growth)0 · sector 55
PAST (return on equity)0 · sector 34
HEALTH (low debt)100 · sector 58
DIVIDEND (yield)0 · sector 63

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs SNTG
PayPal Holdings PYPL $58.78 $107.45 +83% vs SNTG
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs SNTG
Affirm Holdings AFRM $65.95 $74.92 +14% vs SNTG
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs SNTG
American Express Company AXP $323.46 $210.02 −35% vs SNTG
Visa Inc V $423.00 $242.87 −43% vs SNTG
Mastercard Incorporated MA $658.84 $360.13 −45% vs SNTG
Capital One Financial Corporation COF $195.84 $106.81 −45% vs SNTG
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs SNTG

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Sentage Holdings Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Sentage Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/SNTG

Frequently asked questions

Is Sentage Holdings Inc (SNTG) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $1.56 versus a price of $1.64, about 5% lower (fairly valued).
What is the fair value of SNTG?
Our estimate for Sentage Holdings Inc is $1.56 (as of Nov 10, 2026), built from audited fundamentals. The current price: $1.64.
What is the quality score of SNTG?
Sentage Holdings Inc has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sentage Holdings Inc (SNTG)?
Our calculated price target is the estimate of $1.56 (as of Nov 10, 2026). Cautious scenario $1.17, optimistic scenario $1.95. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Sentage Holdings Inc stock forecast for 2026?
Our estimate puts fair value at $1.56, about 5% lower versus a price of $1.64 (fairly valued). Cautious scenario $1.17, optimistic scenario $1.95. The calculation is refreshed regularly with new filings.
What is the revenue of Sentage Holdings Inc (SNTG)?
Sentage Holdings Inc reported trailing-twelve-month revenue of about $68.9K (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Sentage Holdings Inc (SNTG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sentage Holdings Inc it is $1.56 per share (as of Nov 10, 2026), against a price of $1.64.
Is Sentage Holdings Inc stock overvalued or undervalued in 2026?
As of Nov 10, 2026, SNTG trades above its calculated fair value: price $1.64, fair value $1.56, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SNTG?
No. The price is what the market pays today ($1.64); the fair value is what the company's own numbers justify ($1.56). For Sentage Holdings Inc the two are $0.0800 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sentage Holdings Inc worth?
The market values Sentage Holdings Inc at about $4.6M (market capitalisation, as of Nov 10, 2026). Per share that is $1.64; our models calculate a fair value of $1.56 per share.
What do the bullish and bearish scenarios say about SNTG?
Our models span a range for Sentage Holdings Inc: cautious scenario $1.17, base $1.56, optimistic $1.95 per share (as of Nov 10, 2026, price $1.64). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Sentage Holdings Inc (SNTG)?
Balance-sheet figures for Sentage Holdings Inc (as of Nov 10, 2026): return on equity −25.2%, debt of 0.00 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is SNTG from its 52-week high?
Sentage Holdings Inc trades at $1.64, about 34% below its 52-week high of $2.49 and 6% above the low of $1.55 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $1.56 is for.
Which stocks are comparable to Sentage Holdings Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sentage Holdings Inc stock attractive at the current price?
The data as of Nov 10, 2026: price $1.64, calculated fair value $1.56 (−5%), Quality Score 35/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Sentage Holdings Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sentage Holdings Inc (SNTG)?
The closing price on Nov 10, 2026 was $1.64. Our estimate is $1.56, about 5% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sentage Holdings Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Sentage Holdings Inc

How large is the market capitalisation of Sentage Holdings Inc (SNTG)?
The market capitalisation of Sentage Holdings Inc is $4.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sentage Holdings Inc (SNTG)?
The price-to-sales ratio of Sentage Holdings Inc is 69.9 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sentage Holdings Inc (SNTG)?
Earnings per share at Sentage Holdings Inc are $−0.8100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Sentage Holdings Inc (SNTG)?
The return on equity (ROE) of Sentage Holdings Inc is −25.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sentage Holdings Inc (SNTG)?
On an EBIT basis the return on assets of Sentage Holdings Inc is −14.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sentage Holdings Inc (SNTG)?
The operating margin of Sentage Holdings Inc is −2,146% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sentage Holdings Inc (SNTG)?
Revenue at Sentage Holdings Inc is growing −35.9% versus a year earlier (3y avg −24.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sentage Holdings Inc (SNTG)?
Earnings per share at Sentage Holdings Inc are growing −38.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sentage Holdings Inc (SNTG) generate?
The free cash flow of Sentage Holdings Inc is −$1.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sentage Holdings Inc (SNTG) carry?
The net debt of Sentage Holdings Inc is $1.3M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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