Navigating Negative Equity: Strategies to Avoid Underwater Car Loans

Wednesday, Oct 8, 2025 6:53 am ET2min read

More than 26% of new-vehicle trade-ins had negative equity in Q2 2025, with an average of $6,754 owed. To avoid further financial strain, consumers can keep their current vehicle longer to lower the loan balance and wait for the vehicle's value to increase. Alternatively, they can refinance or roll the debt into a new car lease to soften the blow of negative equity.

Ascendiant Capital Markets has released an equity research report on Society Pass Inc. (Nasdaq: SOPA), highlighting strong revenue growth and positive earnings for the second quarter of 2025. The report maintains a BUY rating and raises the 12-month price target to $18.

According to the report, Society Pass Inc. reported $2.5 million in revenues for the second quarter of 2025, representing a 46% year-on-year increase. This growth significantly surpassed previous estimates of $1.5 million. The company's earnings per share (EPS) for the quarter was $0.10, compared to an estimated loss of $(0.24). Ascendiant Capital Markets has adjusted its revenue and EPS estimates for 2025 and 2026, reflecting improved financial outlooks Ascendiant Capital Markets Issues Positive Equity Research Report on Society Pass Inc. with Buy Rating and Increased Price Target[1].

The report emphasizes that Society Pass Inc.'s current market capitalization of approximately $5 million is vastly undervalued compared to its $29 million cash reserves and significant ownership in NusaTrip, valued at around $100 million. This undervaluation presents potential for share price increase. Ascendiant maintains a BUY rating on SOPA, citing the company's high growth potential despite its risks Ascendiant Capital Markets Issues Positive Equity Research Report on Society Pass Inc. with Buy Rating and Increased Price Target[1].

In addition to the positive financials, the report highlights Society Pass Inc.'s position in the e-commerce market across Southeast Asia, targeting high-growth markets like Vietnam, Indonesia, and the Philippines. The company's significant cash reserves and ownership in NusaTrip contribute to its attractive valuation Ascendiant Capital Markets Issues Positive Equity Research Report on Society Pass Inc. with Buy Rating and Increased Price Target[1].

However, the report also notes that despite positive revenue growth, Society Pass Inc. continues to forecast negative earnings per share, raising concerns about long-term profitability. The company's shares are trading significantly below their cash value, indicating potential undervaluation in the market. Forward-looking statements in the press release highlight inherent risks and uncertainties, which may affect investor confidence Ascendiant Capital Markets Issues Positive Equity Research Report on Society Pass Inc. with Buy Rating and Increased Price Target[1].

Institutional investors have shown interest in Society Pass Inc. with 8 adding shares to their portfolios and 7 decreasing their positions in the most recent quarter. Renaissance Technologies LLC, Jones Financial Companies LLLP, Citadel Advisors LLC, Virtu Financial LLC, and XTX Topco LTD are among the largest recent movers .

Wall Street analysts have issued reports on Society Pass Inc., with 1 firm issuing a BUY rating and 0 firms issuing a SELL rating. Ascendiant Capital Markets is the most recent analyst to issue a BUY rating .

Society Pass Inc. was founded in 2018 and operates an e-commerce ecosystem across Southeast Asia. It is an acquisition-focused holding company operating interconnected verticals in digital media, travel, and lifestyle. The company completed an initial public offering and began trading on the Nasdaq under the ticker SOPA in November 2021 Ascendiant Capital Markets Issues Positive Equity Research Report on Society Pass Inc. with Buy Rating and Increased Price Target[1].

Navigating Negative Equity: Strategies to Avoid Underwater Car Loans

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