Sentage Holdings Inc. · NASDAQ:SNTG
Sentage — IPO Roadshow (June 2021)
26 slides from Sentage's IPO roadshow presentation, Jun 15, 2021
Slide 1: Sentage Holdings Inc. Issuer Free Writing Prospectus
Sentage Holdings Inc. （ Nasdaq Ticker: SNTG ） June 2021 Issuer Free Writing Prospectus dated June 15 , 2021 Filed Pursuant to Rule 433 of the Securities Act of 1993, as amended Relating to Preliminary Prospectus dated June 8, 2021 Registration Statement No. 333 - 254558
Slide 2: Free Writing Prospectus Statement
Free Writing Prospectus Statement This free writing prospectus relates to the proposed public offering of ordinary shares of Sentage Holdings Inc . (“we”, “us”, or “our”) and should be read together with the Registration Statement we filed with the Securities and Exchange Commission (the “SEC”) for
Slide 3: Forward Looking Statement
Forward Looking Statement This prospectus contains forward - looking statements that reflect our current expectations and views of future events, all of which are subject to risks and uncertainties . Forward - looking statements give our current expectations or forecasts of future events . You can i
Slide 4: Offering Summary
Offering Summary 4 See offering documents for further risks and disclosures. There is no guarantee that any specific outcome will be achieved. I nve stments may be speculative, illiquid and there is a risk of loss. Past performance is not indicative of future results. Issuer Sentage Holdings Inc. (t
Slide 5: Investment Highlights
Investment Highlights Note: * According to the National Statistics Bureau of China, Qingdao City is the eleventh largest city in terms of GDP in th e P RC in 2018 with a population of over 9 million. In terms of GDP, the comparable cities in the U.S. include St. Louis and Port lan d. See offering do
Slide 6: Industry Overview
Industry Overview Part 1
Slide 7: Market Overview — Consumer Loan Repayment and Collection Management Market
Market Overview — Consumer Loan Repayment and Collection Management Market • Consumer credit market in China has recorded a substantial development in recent years, due the rapid economic growth and dev elo pment of Internet finance and e - commerce. • Outstanding balance of consumer loans in China
Slide 8: Growth Drivers — Consumer Loan Repayment and Collection Management Market
G rowth Drivers — Consumer Loan Repayment and Collection Management Market 8 Government policies in promoting consumer finance Shifting of economy towards a consumption - driven model Proliferation of online consumer loans High growth rate of consumer loans Development of insurance sector • Chinese
Slide 9: Key Entry Barriers — Consumer Loan Repayment and Collection Management Market
Key Entry Barriers — Consumer Loan Repayment and Collection Management Market 9 Compliance of the repayment and collection management process Long established relationships with banks and other financial institutions Industry expertise and market know - how Source: Frost & Sullivan See offering docu
Slide 10: Market Overview — Loan Recommendation Market
Market Overview — Loan Recommendation Market Completed investment in real estate in China had reached a CAGR of approximately 7 . 3 % from 2014 to 2019 , reaching RMB 9 . 1 trillion (approximately US $ 1 . 3 trillion) by the end of 2019 . • To satisfy borrowers’ financing needs, service providers ac
Slide 11: Market Overview — Third-party Payment Services Market
Market Overview — Third - party Payment Services Market • Size of the third - party payment services market in China has rapidly grown over the years . • POS services and Internet payment had increased with CAGRs of 21 . 4 % and 28 . 4 % , respectively, during 2015 - 2020 . • The market size is expe
Slide 12: Company Profile
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Slide 13: Company Profile
$3.60M (FY20) $3.97M (FY19) Company Profile We are a growing financial service provider that offers a comprehensive range of financial services across three core businesses . $1.59M (FY20) $1.83M (FY19) 44% (FY20) 46% (FY19) Net Income Revenue Net Margin Consumer Loan Repayment and Collection Manage
Slide 14: Business Lines
Business Lines The growth of our loan recommendation business results in more mortgage loans, which increases lenders’ demand for our loan repayment and collection management services . We provide prepaid payment network services to borrowers who are small - to - medium size business owners with the
Slide 15: Consumer Loan Repayment and Collection Management
Consumer Loan Repayment and Collection Management Lender Lend money to obtain the interest Borrowers To borrow money and pay interest Sentage The services including risk management/tracking repayment /collection /past - due repayments. Charge 5% service fee Our Repayment and Collection Management Se
Slide 16: Loan Recommendation
Loan Recommendation Sentage Borrower Referral Institution Commission rate :1.5% - 2% Service fee rate: 1.75% - 3% Borrowers Institutional Funding Partners Capital Type Commercial Bank Loan Companies with License Loan Rate 5%~7% Bank Platform Others 7%~14% 14%~24% Financial Tech. Companies Trust Inst
Slide 17: Prepaid Payment Network Services
Prepaid Payment Network Services • Qingdao Buytop , was granted a third - party payment service license by the relevant authority in China to provide prepaid payment network services . • We started providing prepaid payment network services in August 2019 , offering seamless, convenient, and reliabl
Slide 18: Corporate Structure
Corporate Structure The above diagram illustrates our corporate structure, including our subsidiaries and our VIEs, as of the date of this prospe ctu s and upon completion of this offering based on a proposed number of 4,000,000 Ordinary Shares being offered, assuming no exercise of Underwriter’s ov
Slide 19: Growth Strategies
Growth Strategies Our goal is to become a leading financial service provider in China that offers: • Consumer loan repayment and collection management • Loan recommendation • Prepaid payment network services Continue to invest in technology, focusing on artificial intelligence and data analytics. Ma
Slide 20: Competitive Strengths
6 5 4 3 2 1 Competitive Strengths Advanced know - how and compliance - centric business practice for our loan repayment and collection management business. Unique approach to loan repayment and collection management, supported by proprietary IT systems and infrastructure . Growing our prepaid paymen
Slide 21: Management Team
Management Team ▪ Ms . Lu has served as the general manager of Daxin Wealth from March 2015 . ▪ Ms . Lu served as the manager director of Asia Pacific at Interconnect Products Limited UK from September 2010 to January 2015 . ▪ Ms . Lu served as a finance associate at IQVIA (formerly known as Quintil
Slide 22: Independent Director Nominees
Independent Director Nominees ▪ Mr. Viotto currently serves as the Chief Financial Officer and a Board member for Fuse Group Holdings Inc., an OTC OB Market listed company (trading symbol: FUST). Mr. Viotto has been serving as a Board member for Fuse Group Holding Inc. since August 2017. ▪ Mr. Viott
Slide 23: Financial Highlights
Part 3 | ta Financial Highlights
Slide 24: Financial Highlights
Financial Highlights 3,965 3,595 1,834 1,587 0 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 4,500 FY2019 FY2020 Revenue Net Income Unit: US dollar For the Fiscal Years Ended December 31 The exchange rate: 1 US Dollar = 7 Yuan RMB in 2020 and 2021 Due to the currency exchange rate, the decimal point
Slide 25: Financial Highlights — Revenue Breakdown
Financial Highlights For the Fiscal Years Ended December 31 The exchange rate: 1 US Dollar = 7 Yuan RMB in 2020 and 2021 Due to the currency exchange rate, the decimal point may influent the results 25 91.3% 6.6% 2.1% FY2019 29.9% 58.1% 12.0% FY2020 Consumer Loan Repayment and Collection Management
Slide 26: Contacts
Contacts Email: ir@sentageholdings.com Tel: +86 - 21 5386 0209 Address: 501, Platinum Tower, 233 Taicang Rd, HuangPu , Shanghai, China Issuer: Sentage Holdings Inc. Karen Mu Email: kmu@netw1.com Adam Pasholk Email: adampasholk@netw1.com Address: 2 Bridge Avenue, Suite 241 Red Bank, NJ 07701 USA Unde