SDA PRESS-RELEASE SEC Filing Analysis

Latest settled — T+5d

SDA ▲ +59.74% at T+5d

LONG call ✓ call won +59.74% · α vs SPY +58.53% · entry $0.7700 → $1.23

Next anchor: T+20d in 12d

Currently $0.7200 · -6.49% from $0.7700 entry

Entry anchored
May 27, 12:07 PM ET
via Databento tick

T+1d

+2.60%

call +2.60% · α +2.05%

$0.7900

settled 16d ago

T+5d

+59.74%

call +59.74% · α +58.53%

$1.23

settled 10d ago

T+20d

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call — · α —

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in 12d

T+60d

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call — · α —

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in 2mo

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Executive Summary

SunCar Technology Group (SDA) reported Q1 2026 results with revenue of $131.2M, beating consensus of $132.5M slightly, and EPS of $0.03 (200% beat vs $0.01 consensus). The company achieved its third consecutive quarter of profitability with net income of $1.6M vs a $3.6M loss a year ago, driven by 28% YoY revenue growth and strong margin improvement. Management guided FY2026 revenue to ~$600M.

Key Financial Metrics

Guidance

$600M (single point)

initiated

Free Cash Flow

-$8.0M

Actionable Insight

SDA delivered a clear inflection to GAAP profitability, strong revenue growth, and raised FY2026 guidance to ~$600M vs the current ~$500M exit run rate, implying acceleration. However, given the stock's small market cap ($71M) and thin liquidity, and this is the first quarter with analyst coverage, the beat is based on only 1 estimate. Monitor further analyst initiation and cash burn: operating cash flow was -$7.9M and cash dropped to $13.5M, which may require financing. The EV insurance growth narrative is intact.

Key Facts

Q1 2026 revenue $131.2M, +28% YoY from $102.6M
Net income of $1.6M vs loss of $3.6M in Q1 2025
EPS $0.03 vs consensus $0.01 (200% beat)
Adjusted EBITDA of $4.5M, margin 3.4% (vs -1.3% a year ago)
Auto eInsurance revenue +36% YoY to $62.3M
Technology Services revenue +43% YoY to $15.3M
Auto Service revenue +16% YoY to $53.5M
EV insurance premiums +42.5% YoY to $514.4M
Full year 2026 revenue guidance ~$600M
Secured multiple new enterprise contracts including $50M AgBank deal and $13M Minsheng Bank deal

Financial Impact

Revenue $131.2M beat consensus of $132.5M by -1.0% (essentially in-line); EPS $0.03 beat $0.01 estimate by 200%

revenueepsoperating incomeadjusted ebitda

Risk Factors

Cash burn continues: operating cash flow -$7.9M, cash dropped to $13.5M vs $39.2M a year ago
Only 1 analyst covering — EPS surprise magnitude may be unreliable
Prior calibration shows high-impact bullish calls on SDA have significantly underperformed (T+20 avg -56.5%)
FY2026 $600M guidance would require ~53% YoY growth from Q1 run rate — ambitious

Market Snapshot

Exchange

Nasdaq

Sector

Services-Automotive Repair, Services & Parking

Analyst Consensus

83% bullish (6 analysts)

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3302258

4 reports for SDA

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for SDA — sortable, filterable
	Type				Now
May 27, 2026 16d ago	Press Release BULLISH ★ 6/10	$0.7700 $1.23	▲ +59.74%	▲ +58.53%	$0.7200 (−6.49%)
May 18, 2026 26d ago	Press Release BULLISH ★ 7/10	$0.7000 $0.6760	▼ −3.43%	▼ −5.05%	$0.7200 (+2.86%)
Apr 28, 2026 6w ago	Press Release NEUTRAL ★ 5/10	$1.21 $1.07	▼ −11.57%	▼ −14.68%	$0.7200 (−40.50%)
Apr 21, 2026 7w ago	Press Release BULLISH ★ 7/10	$1.61 $1.42	▼ −12.11%	▼ −13.20%	$0.7200 (−55.28%)

US Market Status

Market Closed — Opens Mon (45h 32m)

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