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Pintec Technology Holdings Ltd. – ‘20-F’ for 12/31/21 – ‘EX-101.LAB’

On:  Thursday, 4/28/22, at 6:03am ET   ·   For:  12/31/21   ·   Accession #:  1193125-22-125009   ·   File #:  1-38712

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  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/28/22  Pintec Technology Holdings Ltd.   20-F       12/31/21  135:19M                                    Donnelley … Solutions/FA

Annual or Annual-Transition Report by a Foreign Non-Canadian Issuer   —   Form 20-F   —   SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 20-F        Annual or Annual-Transition Report by a Foreign     HTML   2.86M 
                Non-Canadian Issuer                                              
 2: EX-1.1      Underwriting Agreement or Conflict Minerals Report  HTML    206K 
 3: EX-4.72     Instrument Defining the Rights of Security Holders  HTML    173K 
 4: EX-4.73     Instrument Defining the Rights of Security Holders  HTML    137K 
 5: EX-4.74     Instrument Defining the Rights of Security Holders  HTML     70K 
 6: EX-4.75     Instrument Defining the Rights of Security Holders  HTML     57K 
 7: EX-4.76     Instrument Defining the Rights of Security Holders  HTML     41K 
 8: EX-8.1      Opinion of Counsel re: Tax Matters                  HTML     36K 
11: EX-13.1     Annual or Quarterly Report to Security Holders      HTML     36K 
12: EX-13.2     Annual or Quarterly Report to Security Holders      HTML     36K 
 9: EX-12.1     Statement re: the Computation of Ratios             HTML     41K 
10: EX-12.2     Statement re: the Computation of Ratios             HTML     41K 
13: EX-15.1     Letter re: Unaudited Interim Financial Info         HTML     36K 
14: EX-15.2     Letter re: Unaudited Interim Financial Info         HTML     36K 
15: EX-15.3     Letter re: Unaudited Interim Financial Info         HTML     35K 
21: R1          Cover Page                                          HTML    119K 
22: R2          Consolidated Balance Sheets                         HTML    210K 
23: R3          Consolidated Balance Sheets (Parenthetical)         HTML     72K 
24: R4          Consolidated Statements Of Operations And           HTML    194K 
                Comprehensive Loss                                               
25: R5          Consolidated Statements Of Operations And           HTML     37K 
                Comprehensive Loss (Parenthetical)                               
26: R6          Consolidated Statements Of Changes In Equity        HTML    121K 
27: R7          Consolidated Statements Of Changes In Equity        HTML     38K 
                (Parenthetical)                                                  
28: R8          Consolidated Statements Of Cash Flows               HTML    220K 
29: R9          Organization and principal activities               HTML    121K 
30: R10         Summary of significant accounting policies          HTML    168K 
31: R11         Concentration and risks                             HTML     44K 
32: R12         Acquisitions                                        HTML     57K 
33: R13         Financing receivables, net                          HTML     82K 
34: R14         Accounts receivable, net                            HTML     63K 
35: R15         Prepayments and other current assets, net           HTML     59K 
36: R16         Property, equipment and software, net               HTML     55K 
37: R17         Long-term investments                               HTML     76K 
38: R18         Fair value measurement                              HTML     73K 
39: R19         Intangible assets, net                              HTML     52K 
40: R20         Goodwill                                            HTML     38K 
41: R21         Funding debts                                       HTML     46K 
42: R22         Borrowings                                          HTML     56K 
43: R23         Financial guarantee liabilities and financial       HTML     77K 
                guarantee assets                                                 
44: R24         Convertible loan                                    HTML     41K 
45: R25         Accrued expenses and other liabilities              HTML     51K 
46: R26         Non-controlling interests                           HTML     40K 
47: R27         Taxation                                            HTML    167K 
48: R28         Share based compensation expenses                   HTML    103K 
49: R29         Related party transactions                          HTML    151K 
50: R30         Defined contribution plan                           HTML     42K 
51: R31         Loss per share                                      HTML     61K 
52: R32         Commitments and contingencies                       HTML     49K 
53: R33         Subsequent events                                   HTML     39K 
54: R34         Parent company only condensed financial             HTML    197K 
                information                                                      
55: R35         Summary of significant accounting policies          HTML    241K 
                (Policies)                                                       
56: R36         Organization and principal activities (Tables)      HTML    101K 
57: R37         Summary of significant accounting policies          HTML     47K 
                (Tables)                                                         
58: R38         Acquisitions (Tables)                               HTML     51K 
59: R39         Financing receivables, net (Tables)                 HTML     88K 
60: R40         Accounts receivable, net (Tables)                   HTML     65K 
61: R41         Prepayments and other current assets, net (Tables)  HTML     57K 
62: R42         Property, equipment and software, net (Tables)      HTML     52K 
63: R43         Long-term investments (Tables)                      HTML     64K 
64: R44         Fair value measurement (Tables)                     HTML     70K 
65: R45         Intangible assets, net (Tables)                     HTML     50K 
66: R46         Funding debts (Tables)                              HTML     45K 
67: R47         Borrowings (Tables)                                 HTML     55K 
68: R48         Financial guarantee liabilities and financial       HTML     80K 
                guarantee assets (Tables)                                        
69: R49         Accrued expenses and other liabilities (Tables)     HTML     51K 
70: R50         Taxation (Tables)                                   HTML    164K 
71: R51         Share based compensation expenses (Tables)          HTML     99K 
72: R52         Related party transactions (Tables)                 HTML    153K 
73: R53         Loss per share (Tables)                             HTML     60K 
74: R54         Commitments and contingencies (Tables)              HTML     43K 
75: R55         Parent company only condensed financial             HTML    199K 
                information (Tables)                                             
76: R56         Organization and principal activities (Details)     HTML     43K 
77: R57         Organization and principal activities -             HTML     80K 
                Establishment of Pintec, its subsidiaries and VIEs               
                (Details)                                                        
78: R58         Organization and principal activities - Risks in    HTML     93K 
                relation to the VIE structure (Details)                          
79: R59         Summary of significant accounting policies -        HTML     56K 
                Convenience translation, Cash and cash equivalents               
                and Financing receivables, net (Details)                         
80: R60         Summary of significant accounting policies -        HTML     55K 
                Estimated useful lives of property, equipment and                
                software, net (Details)                                          
81: R61         Summary of significant accounting policies -        HTML     52K 
                Schedule Of Acquired Finite Lived Intangible                     
                Assets By Major Class (Detail)                                   
82: R62         Summary of significant accounting policies -        HTML     97K 
                Others (Details)                                                 
83: R63         Concentration and risks (Details)                   HTML     51K 
84: R64         Acquisitions (Detail)                               HTML     72K 
85: R65         Acquisitions - Schedule of allocation of the        HTML     71K 
                purchase price (Detail)                                          
86: R66         Financing receivables, net (Details)                HTML     54K 
87: R67         Financing receivables, net - Balances of financing  HTML     45K 
                receivables by due date (Details)                                
88: R68         Financing receivables, net - Movement of the        HTML     46K 
                allowance for credit losses (Details)                            
89: R69         Financing receivables, net - Aging analysis of      HTML     50K 
                past due (Details)                                               
90: R70         Accounts receivable, net (Details)                  HTML     50K 
91: R71         Accounts receivable, net - Allowance for doubtful   HTML     42K 
                accounts (Details)                                               
92: R72         Prepayments and other current assets, net           HTML     58K 
                (Details)                                                        
93: R73         Prepayments and other current assets (Details)      HTML     53K 
                (Parenthetical)                                                  
94: R74         Property, equipment and software, net (Details)     HTML     61K 
95: R75         Property, equipment and software, net               HTML     45K 
                (Parenthetical) (Details)                                        
96: R76         Long-term investments (Details)                     HTML     69K 
97: R77         Long-term investments - Cost and Equity method      HTML    103K 
                investment (Details)                                             
98: R78         Fair value measurement - Assets and liabilities     HTML     45K 
                (Details)                                                        
99: R79         Intangible assets, net (Details)                    HTML     62K 
100: R80         Goodwill (Details)                                  HTML     49K  
101: R81         Funding debts - Outstanding funding debts           HTML     39K  
                (Details)                                                        
102: R82         Funding debts - Terms of the funding debts          HTML     37K  
                borrowed and asset-backed securities (Details)                   
103: R83         Borrowings - Summary of Borrowings (Detail)         HTML     52K  
104: R84         Borrowing - Summary of Borrowings (Parenthetical)   HTML     47K  
                (Detail)                                                         
105: R85         Financial guarantee liabilities and financial       HTML     44K  
                guarantee assets (Details)                                       
106: R86         Financial guarantee liabilities and financial       HTML     47K  
                guarantee assets - Schedule of guarantee assets                  
                movement activities (Details)                                    
107: R87         Financial guarantee liabilities and financial       HTML     41K  
                guarantee assets - Schedule of guarantee assets                  
                allowance for credit loss movement activities                    
                (Detail)                                                         
108: R88         Convertible loan (Details)                          HTML     88K  
109: R89         Accrued expenses and other liabilities (Details)    HTML     57K  
110: R90         Non-controlling interests (Detail)                  HTML     65K  
111: R91         Taxation (Details)                                  HTML     89K  
112: R92         Taxation - Current and deferred portion of income   HTML     46K  
                tax expense (Details)                                            
113: R93         Taxation - Reconciliation between the statutory     HTML     66K  
                EIT rate and the effective tax rates (Details)                   
114: R94         Taxation - Deferred tax assets and deferred tax     HTML     68K  
                liabilities (Details)                                            
115: R95         Taxation - Changes in valuation allowance           HTML     44K  
                (Details)                                                        
116: R96         Taxation - Summary of Net Operating Loss            HTML     47K  
                Carryforwards (Detail)                                           
117: R97         Share based compensation expenses - Share options   HTML    120K  
                issued by Jimu Parent to employees of the Company                
                (Details)                                                        
118: R98         Share based compensation expenses - Restriction of  HTML     88K  
                ordinary shares held by senior management                        
                (Details)                                                        
119: R99         Share based compensation expenses - Share options   HTML     99K  
                issued by Pintec (Details)                                       
120: R100        Related party transactions (Details)                HTML    189K  
121: R101        Related party transactions - Balances with the      HTML     78K  
                major related parties (Details)                                  
122: R102        Related party transactions - Summary Of Movement    HTML     46K  
                Of Allowance For Credit Losses On Amounts Due From               
                Related Parties (Details)                                        
123: R103        Defined contribution plan (Details)                 HTML     37K  
124: R104        Loss per share (Details)                            HTML     48K  
125: R105        Loss per share (Parenthetical) (Details)            HTML     37K  
126: R106        Commitments and contingencies - Operating lease     HTML     51K  
                commitment (Details)                                             
127: R107        Subsequent events (Details)                         HTML     42K  
128: R108        Parent company only condensed financial             HTML    171K  
                information - Balance sheets (Details)                           
129: R109        Parent company only condensed financial             HTML     98K  
                information - Condensed statements of operations                 
                and comprehensive loss (Details)                                 
130: R110        Parent company only condensed financial             HTML     76K  
                information - Condensed statements of cash flows                 
                (Details)                                                        
133: XML         IDEA XML File -- Filing Summary                      XML    243K  
131: XML         XBRL Instance -- d244669d20f_htm                     XML   3.78M  
132: EXCEL       IDEA Workbook of Financial Reports                  XLSX    177K  
17: EX-101.CAL  XBRL Calculations -- pt-20211231_cal                 XML    289K 
18: EX-101.DEF  XBRL Definitions -- pt-20211231_def                  XML   1.57M 
19: EX-101.LAB  XBRL Labels -- pt-20211231_lab                       XML   2.20M 
20: EX-101.PRE  XBRL Presentations -- pt-20211231_pre                XML   1.84M 
16: EX-101.SCH  XBRL Schema -- pt-20211231                           XSD    374K 
134: JSON        XBRL Instance as JSON Data -- MetaLinks              661±   962K  
135: ZIP         XBRL Zipped Folder -- 0001193125-22-125009-xbrl      Zip    898K

‘EX-101.LAB’   —   XBRL Labels — pt-20211231_lab

This Exhibit is an XBRL XML File.

                                                                                                                                                                                
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<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"/>
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<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel"/>
<labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="loc_dei_CoverAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_CoverAbstract" xml:lang="en-US"> Cover [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationTable" xlink:label="loc_dei_DocumentInformationTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentInformationTable" xml:lang="en-US"> Document Information [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xml:lang="en-US"> Class of Stock [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ClassOfStockDomain" xml:lang="en-US"> Class of Stock [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ClassOfStockDomain" xml:lang="en-US"> Class of Stock [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassAMember" xlink:label="loc_us-gaap_CommonClassAMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonClassAMember" xml:lang="en-US"> Common Class A [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CommonClassAMember" xml:lang="en-US"> Class A Ordinary Shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassAMember" xlink:to="lab_us-gaap_CommonClassAMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassBMember" xlink:label="loc_us-gaap_CommonClassBMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonClassBMember" xml:lang="en-US"> Common Class B [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CommonClassBMember" xml:lang="en-US"> Class B Ordinary Shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassBMember" xlink:to="lab_us-gaap_CommonClassBMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AdrMember" xlink:label="loc_dei_AdrMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AdrMember" xml:lang="en-US"> ADR [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_dei_AdrMember" xml:lang="en-US"> ADS [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AdrMember" xlink:to="lab_dei_AdrMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentInformationLineItems" xlink:label="loc_dei_DocumentInformationLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentInformationLineItems" xml:lang="en-US"> Document Information [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityCentralIndexKey" xml:lang="en-US"> Entity Central Index Key </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentType" xml:lang="en-US"> Document Type </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentPeriodEndDate" xml:lang="en-US"> Document Period End Date </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AmendmentFlag" xml:lang="en-US"> Amendment Flag </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_CurrentFiscalYearEndDate" xml:lang="en-US"> Current Fiscal Year End Date </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityRegistrantName" xml:lang="en-US"> Entity Registrant Name </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xml:lang="en-US"> Entity Well-known Seasoned Issuer </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityWellKnownSeasonedIssuer" xlink:to="lab_dei_EntityWellKnownSeasonedIssuer"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentRegistrationStatement" xlink:label="loc_dei_DocumentRegistrationStatement"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentRegistrationStatement" xml:lang="en-US"> Document Registration Statement </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentRegistrationStatement" xlink:to="lab_dei_DocumentRegistrationStatement"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="loc_dei_DocumentAnnualReport"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentAnnualReport" xml:lang="en-US"> Document Annual Report </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAnnualReport" xlink:to="lab_dei_DocumentAnnualReport"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="loc_dei_DocumentTransitionReport"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentTransitionReport" xml:lang="en-US"> Document Transition Report </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentTransitionReport" xlink:to="lab_dei_DocumentTransitionReport"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyReport" xlink:label="loc_dei_DocumentShellCompanyReport"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentShellCompanyReport" xml:lang="en-US"> Document Shell Company Report </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentShellCompanyReport" xlink:to="lab_dei_DocumentShellCompanyReport"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="loc_dei_EntityFileNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityFileNumber" xml:lang="en-US"> Entity File Number </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="loc_dei_EntityVoluntaryFilers"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityVoluntaryFilers" xml:lang="en-US"> Entity Voluntary Filers </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityVoluntaryFilers" xlink:to="lab_dei_EntityVoluntaryFilers"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="loc_dei_EntityCurrentReportingStatus"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityCurrentReportingStatus" xml:lang="en-US"> Entity Current Reporting Status </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="loc_dei_EntityFilerCategory"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityFilerCategory" xml:lang="en-US"> Entity Filer Category </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFilerCategory" xlink:to="lab_dei_EntityFilerCategory"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_dei_EntityEmergingGrowthCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityEmergingGrowthCompany" xml:lang="en-US"> Entity Emerging Growth Company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_dei_EntityExTransitionPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityExTransitionPeriod" xml:lang="en-US"> Entity Ex Transition Period </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityExTransitionPeriod" xlink:to="lab_dei_EntityExTransitionPeriod"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="loc_dei_EntityShellCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityShellCompany" xml:lang="en-US"> Entity Shell Company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityShellCompany" xlink:to="lab_dei_EntityShellCompany"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_dei_EntityCommonStockSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xml:lang="en-US"> Entity Common Stock, Shares Outstanding </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentFiscalYearFocus" xml:lang="en-US"> Document Fiscal Year Focus </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_dei_DocumentFiscalPeriodFocus"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xml:lang="en-US"> Document Fiscal Period Focus </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_dei_EntityAddressAddressLine1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityAddressAddressLine1" xml:lang="en-US"> Entity Address, Address Line One </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="loc_dei_LocalPhoneNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_LocalPhoneNumber" xml:lang="en-US"> Local Phone Number </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="loc_dei_CityAreaCode"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_CityAreaCode" xml:lang="en-US"> City Area Code </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_ContactPersonnelName" xlink:label="loc_dei_ContactPersonnelName"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_ContactPersonnelName" xml:lang="en-US"> Contact Personnel Name </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_ContactPersonnelName" xlink:to="lab_dei_ContactPersonnelName"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_ContactPersonnelEmailAddress" xlink:label="loc_dei_ContactPersonnelEmailAddress"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_ContactPersonnelEmailAddress" xml:lang="en-US"> Contact Personnel Email Address </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_ContactPersonnelEmailAddress" xlink:to="lab_dei_ContactPersonnelEmailAddress"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_dei_NoTradingSymbolFlag"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_NoTradingSymbolFlag" xml:lang="en-US"> No Trading Symbol Flag </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_NoTradingSymbolFlag" xlink:to="lab_dei_NoTradingSymbolFlag"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag" xlink:label="loc_dei_IcfrAuditorAttestationFlag"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xml:lang="en-US"> ICFR Auditor Attestation Flag </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_IcfrAuditorAttestationFlag" xlink:to="lab_dei_IcfrAuditorAttestationFlag"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName" xlink:label="loc_dei_AuditorName"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AuditorName" xml:lang="en-US"> Auditor Name </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorName" xlink:to="lab_dei_AuditorName"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId" xlink:label="loc_dei_AuditorFirmId"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AuditorFirmId" xml:lang="en-US"> Auditor Firm ID </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorFirmId" xlink:to="lab_dei_AuditorFirmId"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation" xlink:label="loc_dei_AuditorLocation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AuditorLocation" xml:lang="en-US"> Auditor Location </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorLocation" xlink:to="lab_dei_AuditorLocation"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_dei_EntityAddressPostalZipCode"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityAddressPostalZipCode" xml:lang="en-US"> Entity Address, Postal Zip Code </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_dei_EntityAddressAddressLine2"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityAddressAddressLine2" xml:lang="en-US"> Entity Address, Address Line Two </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine2" xlink:to="lab_dei_EntityAddressAddressLine2"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_dei_EntityAddressCityOrTown"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityAddressCityOrTown" xml:lang="en-US"> Entity Address, City or Town </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_dei_EntityIncorporationStateCountryCode"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xml:lang="en-US"> Entity Incorporation, State or Country Code </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCountry" xlink:label="loc_dei_EntityAddressCountry"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityAddressCountry" xml:lang="en-US"> Entity Address, Country </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCountry" xlink:to="lab_dei_EntityAddressCountry"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="loc_dei_EntityInteractiveDataCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityInteractiveDataCurrent" xml:lang="en-US"> Entity Interactive Data Current </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAccountingStandard" xlink:label="loc_dei_DocumentAccountingStandard"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentAccountingStandard" xml:lang="en-US"> Document Accounting Standard </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAccountingStandard" xlink:to="lab_dei_DocumentAccountingStandard"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="loc_dei_Security12bTitle"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_Security12bTitle" xml:lang="en-US"> Title of 12(b) Security </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="loc_dei_TradingSymbol"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_TradingSymbol" xml:lang="en-US"> Trading Symbol </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="loc_dei_SecurityExchangeName"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_SecurityExchangeName" xml:lang="en-US"> Security Exchange Name </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressesAddressTypeAxis" xlink:label="loc_dei_EntityAddressesAddressTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityAddressesAddressTypeAxis" xml:lang="en-US"> Entity Addresses, Address Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressesAddressTypeAxis" xlink:to="lab_dei_EntityAddressesAddressTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AddressTypeDomain" xlink:label="loc_dei_AddressTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AddressTypeDomain" xml:lang="en-US"> Address Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AddressTypeDomain" xlink:to="lab_dei_AddressTypeDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_BusinessContactMember" xlink:label="loc_dei_BusinessContactMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_BusinessContactMember" xml:lang="en-US"> Business Contact [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_BusinessContactMember" xlink:to="lab_dei_BusinessContactMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US"> Statement of Financial Position [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US"> Consolidated Balance Sheets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaap_StatementTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementTable" xml:lang="en-US"> Statement [Table] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementTable" xml:lang="en-US"> Statement [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementTable" xlink:to="lab_us-gaap_StatementTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementLineItems" xlink:label="loc_us-gaap_StatementLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementLineItems" xml:lang="en-US"> Statement [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementLineItems" xml:lang="en-US"> Statement </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementLineItems" xml:lang="en-US"> Statement [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementLineItems" xlink:to="lab_us-gaap_StatementLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetsAbstract" xml:lang="en-US"> Assets [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AssetsAbstract" xml:lang="en-US"> ASSETS </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsCurrentAbstract" xlink:label="loc_us-gaap_AssetsCurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetsCurrentAbstract" xml:lang="en-US"> Assets, Current [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AssetsCurrentAbstract" xml:lang="en-US"> Current assets: </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_AssetsCurrentAbstract" xml:lang="en-US"> Short-term: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsCurrentAbstract" xlink:to="lab_us-gaap_AssetsCurrentAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Cash and Cash Equivalents, at Carrying Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Cash and cash equivalents </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Cash and cash equivalents at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Cash and cash equivalents at end of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Cash and Cash Equivalents, at Carrying Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Cash and cash equivalents </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashCurrent" xlink:label="loc_us-gaap_RestrictedCashCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedCashCurrent" xml:lang="en-US"> Restricted Cash, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RestrictedCashCurrent" xml:lang="en-US"> Restricted cash </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RestrictedCashCurrent" xml:lang="en-US"> Restricted Cash, Current </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashCurrent" xlink:to="lab_us-gaap_RestrictedCashCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromRelatedPartiesCurrent" xlink:label="loc_us-gaap_DueFromRelatedPartiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrent" xml:lang="en-US"> Due from Related Parties, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrent" xml:lang="en-US"> Amounts due from related parties, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrent" xml:lang="en-US"> Amounts due from related parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrent" xml:lang="en-US"> Amounts due from related parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/disclosureGuidance" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrent" xml:lang="en-US"> Total current amounts due from related parties, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueFromRelatedPartiesCurrent" xlink:to="lab_us-gaap_DueFromRelatedPartiesCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xml:lang="en-US"> Prepaid Expense and Other Assets, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xml:lang="en-US"> Prepayments and other current assets, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xml:lang="en-US"> Total prepayments and other current assets, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xml:lang="en-US"> Prepayments and other current assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xlink:to="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShortTermFinancialGuaranteeAssets" xlink:label="loc_pt_ShortTermFinancialGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShortTermFinancialGuaranteeAssets" xml:lang="en-US"> Short Term Financial Guarantee Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShortTermFinancialGuaranteeAssets" xml:lang="en-US"> Short-term financial guarantee assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShortTermFinancialGuaranteeAssets" xlink:to="lab_pt_ShortTermFinancialGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShortTermFinancialGuaranteeAssets" xml:lang="en-US"> Short-term financial guarantee assets, net. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesAndLoansReceivableNetCurrent" xlink:label="loc_us-gaap_NotesAndLoansReceivableNetCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NotesAndLoansReceivableNetCurrent" xml:lang="en-US"> Notes, Loans and Financing Receivable, Net, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NotesAndLoansReceivableNetCurrent" xml:lang="en-US"> Short-term financing receivables, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NotesAndLoansReceivableNetCurrent" xml:lang="en-US"> Short-term financing receivables, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesAndLoansReceivableNetCurrent" xlink:to="lab_us-gaap_NotesAndLoansReceivableNetCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableNetCurrent" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountsReceivableNetCurrent" xml:lang="en-US"> Accounts Receivable, Net, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccountsReceivableNetCurrent" xml:lang="en-US"> Accounts receivable, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xlink:label="lab_us-gaap_AccountsReceivableNetCurrent" xml:lang="en-US"> Accounts receivable, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AccountsReceivableNetCurrent" xml:lang="en-US"> Accounts receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsReceivableNetCurrent" xlink:to="lab_us-gaap_AccountsReceivableNetCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsCurrent" xlink:label="loc_us-gaap_AssetsCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetsCurrent" xml:lang="en-US"> Assets, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AssetsCurrent" xml:lang="en-US"> Total current assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="lab_us-gaap_AssetsCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Assets" xml:lang="en-US"> Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_Assets" xml:lang="en-US"> TOTAL ASSETS </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsNoncurrentAbstract" xlink:label="loc_us-gaap_AssetsNoncurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetsNoncurrentAbstract" xml:lang="en-US"> Assets, Noncurrent [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AssetsNoncurrentAbstract" xml:lang="en-US"> Non-current assets: </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_AssetsNoncurrentAbstract" xml:lang="en-US"> Long-term: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsNoncurrentAbstract" xlink:to="lab_us-gaap_AssetsNoncurrentAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsNoncurrent" xlink:label="loc_us-gaap_AssetsNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetsNoncurrent" xml:lang="en-US"> Assets, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AssetsNoncurrent" xml:lang="en-US"> Total non-current assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsNoncurrent" xlink:to="lab_us-gaap_AssetsNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US"> Property, Plant and Equipment, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US"> Property, equipment and software, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US"> Property, equipment and software, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNet"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xml:lang="en-US"> Finite-Lived Intangible Assets, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xml:lang="en-US"> Intangible assets, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xml:lang="en-US"> Intangible assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsNet"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongTermFinancialGuaranteeAssets" xlink:label="loc_pt_LongTermFinancialGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongTermFinancialGuaranteeAssets" xml:lang="en-US"> Long Term Financial Guarantee Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LongTermFinancialGuaranteeAssets" xml:lang="en-US"> Long-term financial guarantee assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongTermFinancialGuaranteeAssets" xlink:to="lab_pt_LongTermFinancialGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongTermFinancialGuaranteeAssets" xml:lang="en-US"> Long-term financial guarantee assets, net. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashNoncurrent" xlink:label="loc_us-gaap_RestrictedCashNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedCashNoncurrent" xml:lang="en-US"> Restricted Cash, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RestrictedCashNoncurrent" xml:lang="en-US"> Non-current restricted cash </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashNoncurrent" xlink:to="lab_us-gaap_RestrictedCashNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesAndLoansReceivableNetNoncurrent" xlink:label="loc_us-gaap_NotesAndLoansReceivableNetNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NotesAndLoansReceivableNetNoncurrent" xml:lang="en-US"> Notes, Loans and Financing Receivable, Net, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NotesAndLoansReceivableNetNoncurrent" xml:lang="en-US"> Long-term financing receivables, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NotesAndLoansReceivableNetNoncurrent" xml:lang="en-US"> Long-term financing receivables, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesAndLoansReceivableNetNoncurrent" xlink:to="lab_us-gaap_NotesAndLoansReceivableNetNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermInvestments" xlink:label="loc_us-gaap_LongTermInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LongTermInvestments" xml:lang="en-US"> Long-term Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LongTermInvestments" xml:lang="en-US"> Long-term investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_LongTermInvestments" xml:lang="en-US"> Balance as of beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_LongTermInvestments" xml:lang="en-US"> Balance as of end of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LongTermInvestments" xml:lang="en-US"> Long-term investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermInvestments" xlink:to="lab_us-gaap_LongTermInvestments"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxAssetsNet" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xml:lang="en-US"> Deferred Income Tax Assets, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xml:lang="en-US"> Deferred tax assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="lab_us-gaap_DeferredIncomeTaxAssetsNet"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="loc_us-gaap_LiabilitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesAbstract" xml:lang="en-US"> Liabilities [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LiabilitiesAbstract" xml:lang="en-US"> LIABILITIES </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAbstract" xlink:to="lab_us-gaap_LiabilitiesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesCurrentAbstract" xlink:label="loc_us-gaap_LiabilitiesCurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesCurrentAbstract" xml:lang="en-US"> Liabilities, Current [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LiabilitiesCurrentAbstract" xml:lang="en-US"> Current liabilities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract" xlink:to="lab_us-gaap_LiabilitiesCurrentAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShortTermFundingDebts" xlink:label="loc_pt_ShortTermFundingDebts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShortTermFundingDebts" xml:lang="en-US"> Short Term Funding Debts </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShortTermFundingDebts" xml:lang="en-US"> Short-term funding debts (including amounts of the consolidated VIEs of RMB2,841 and RMB30, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ShortTermFundingDebts" xml:lang="en-US"> Short-term funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShortTermFundingDebts" xlink:to="lab_pt_ShortTermFundingDebts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShortTermFundingDebts" xml:lang="en-US"> Represents the amount of Short-term funding debts. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueToRelatedPartiesCurrent" xlink:label="loc_us-gaap_DueToRelatedPartiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueToRelatedPartiesCurrent" xml:lang="en-US"> Due to Related Parties, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueToRelatedPartiesCurrent" xml:lang="en-US"> Amounts due to related parties, current (including amounts of the consolidated VIEs of RMB271,419 and RMB289,936, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DueToRelatedPartiesCurrent" xml:lang="en-US"> Amounts due to related parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_DueToRelatedPartiesCurrent" xml:lang="en-US"> Total current amounts due to related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueToRelatedPartiesCurrent" xlink:to="lab_us-gaap_DueToRelatedPartiesCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:label="loc_pt_AccruedExpensesAndOtherLiabilitiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesCurrent" xml:lang="en-US"> Accrued Expenses and Other Liabilities, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesCurrent" xml:lang="en-US"> Accrued expenses and other liabilities (including amounts of consolidated VIEs of RMB19,567 and RMB23,690, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesCurrent" xml:lang="en-US"> Accrued expenses and other liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesCurrent" xml:lang="en-US"> Total </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="lab_pt_AccruedExpensesAndOtherLiabilitiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesCurrent" xml:lang="en-US"> Carrying amount as of the balance sheet date of accrued expenses and other liabilities. For classified balance sheets, represents the current portion of such liabilities (due within one year or within the normal operating cycle if longer). </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesCurrent" xlink:label="loc_us-gaap_LiabilitiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesCurrent" xml:lang="en-US"> Liabilities, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LiabilitiesCurrent" xml:lang="en-US"> Total current liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesCurrent" xlink:to="lab_us-gaap_LiabilitiesCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableCurrent" xlink:label="loc_us-gaap_AccountsPayableCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountsPayableCurrent" xml:lang="en-US"> Accounts Payable, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_AccountsPayableCurrent" xml:lang="en-US"> Accounts payable (including amounts of the consolidated VIEs of RMB8,976 and RMB20,443, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AccountsPayableCurrent" xml:lang="en-US"> Accounts payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsPayableCurrent" xlink:to="lab_us-gaap_AccountsPayableCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="loc_us-gaap_ShortTermBorrowings"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShortTermBorrowings" xml:lang="en-US"> Short-term Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShortTermBorrowings" xml:lang="en-US"> Short-term borrowings (including amounts of the consolidated VIEs of RMB130,000 and nil, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShortTermBorrowings" xml:lang="en-US"> Short-term borrowings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermBorrowings" xlink:to="lab_us-gaap_ShortTermBorrowings"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxesPayableCurrent" xlink:label="loc_us-gaap_TaxesPayableCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TaxesPayableCurrent" xml:lang="en-US"> Taxes Payable, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_TaxesPayableCurrent" xml:lang="en-US"> Tax payable (including amounts of consolidated VIEs of RMB23,334 and RMB26,402, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_TaxesPayableCurrent" xml:lang="en-US"> Tax payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TaxesPayableCurrent" xlink:to="lab_us-gaap_TaxesPayableCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xml:lang="en-US"> Guarantor Obligations, Current Carrying Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xml:lang="en-US"> Financial guarantee liabilities (including amounts of consolidated VIEs of RMB20,260 and RMB13,736, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xml:lang="en-US"> Financial guarantee liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xml:lang="en-US"> Balance at the end of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xml:lang="en-US"> Balance at beginning of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:to="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="loc_us-gaap_CommitmentsAndContingencies"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xml:lang="en-US"> Commitments and Contingencies </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xml:lang="en-US"> Commitments and contingencies (Note 24) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xml:lang="en-US"> Commitments and contingencies (Note 24) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingencies" xlink:to="lab_us-gaap_CommitmentsAndContingencies"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesNoncurrentAbstract" xlink:label="loc_us-gaap_LiabilitiesNoncurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesNoncurrentAbstract" xml:lang="en-US"> Liabilities, Noncurrent [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LiabilitiesNoncurrentAbstract" xml:lang="en-US"> Non-current liabilities: </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LiabilitiesNoncurrentAbstract" xml:lang="en-US"> Non- current liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesNoncurrentAbstract" xlink:to="lab_us-gaap_LiabilitiesNoncurrentAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueToRelatedPartiesNoncurrent" xlink:label="loc_us-gaap_DueToRelatedPartiesNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueToRelatedPartiesNoncurrent" xml:lang="en-US"> Due to Related Parties, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueToRelatedPartiesNoncurrent" xml:lang="en-US"> Amounts due to related parties, non-current (including amounts of consolidated VIEs of nil and nil, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_DueToRelatedPartiesNoncurrent" xml:lang="en-US"> Amounts due to other related parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_DueToRelatedPartiesNoncurrent" xml:lang="en-US"> Total noncurrent amounts due to related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueToRelatedPartiesNoncurrent" xlink:to="lab_us-gaap_DueToRelatedPartiesNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesNoncurrent" xlink:label="loc_us-gaap_LiabilitiesNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesNoncurrent" xml:lang="en-US"> Liabilities, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LiabilitiesNoncurrent" xml:lang="en-US"> Total non-current liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesNoncurrent" xlink:to="lab_us-gaap_LiabilitiesNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" xlink:label="loc_us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" xml:lang="en-US"> Deferred Tax and Other Liabilities, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" xml:lang="en-US"> Deferred tax liabilities (including amounts of consolidated VIEs of nil and nil, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" xml:lang="en-US"> Deferred tax liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent" xlink:to="lab_us-gaap_DeferredTaxAndOtherLiabilitiesNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLiabilitiesNoncurrent" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherLiabilitiesNoncurrent" xml:lang="en-US"> Other Liabilities, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherLiabilitiesNoncurrent" xml:lang="en-US"> Other non-current liabilities (including amounts of consolidated VIEs of nil and RMB210, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherLiabilitiesNoncurrent" xml:lang="en-US"> Other non-current liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilitiesNoncurrent" xlink:to="lab_us-gaap_OtherLiabilitiesNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebtNoncurrent" xlink:label="loc_us-gaap_ConvertibleDebtNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConvertibleDebtNoncurrent" xml:lang="en-US"> Convertible Debt, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ConvertibleDebtNoncurrent" xml:lang="en-US"> Convertible loan (including amounts of consolidated VIEs of nil and nil, respectively) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConvertibleDebtNoncurrent" xml:lang="en-US"> Convertible loan </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConvertibleDebtNoncurrent" xlink:to="lab_us-gaap_ConvertibleDebtNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Liabilities" xml:lang="en-US"> Liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_Liabilities" xml:lang="en-US"> TOTAL LIABILITIES </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US"> Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US"> TOTAL EQUITY/(DEFICIT) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US"> Balance at beginning of year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US"> Balance at end of year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xml:lang="en-US"> Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xml:lang="en-US"> EQUITY </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xml:lang="en-US"> SHAREHOLDERS' EQUITY </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US"> Retained Earnings (Accumulated Deficit) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US"> Accumulated deficit </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US"> Retained earnings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_us-gaap_RetainedEarningsAccumulatedDeficit"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US"> Common Stock, Value, Issued </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US"> Ordinary shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockValue" xlink:to="lab_us-gaap_CommonStockValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterest" xlink:label="loc_us-gaap_MinorityInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MinorityInterest" xml:lang="en-US"> Stockholders' Equity Attributable to Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_MinorityInterest" xml:lang="en-US"> Non-controlling interests </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_MinorityInterest" xml:lang="en-US"> Minority Interest </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterest" xlink:to="lab_us-gaap_MinorityInterest"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="loc_us-gaap_AdditionalPaidInCapital"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US"> Additional Paid in Capital </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US"> Additional paid-in capital </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapital" xlink:to="lab_us-gaap_AdditionalPaidInCapital"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US"> Stockholders' Equity Attributable to Parent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US"> Total shareholders' deficit </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquity" xlink:to="lab_us-gaap_StockholdersEquity"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_StatutoryReserves" xlink:label="loc_pt_StatutoryReserves"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_StatutoryReserves" xml:lang="en-US"> Statutory Reserves </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_StatutoryReserves" xml:lang="en-US"> Statutory reserves </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_StatutoryReserves" xlink:to="lab_pt_StatutoryReserves"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_StatutoryReserves" xml:lang="en-US"> Amount of Statutory reserves to be maintained by the company. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US"> Accumulated Other Comprehensive Income (Loss), Net of Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US"> Accumulated other comprehensive income </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US"> Liabilities and Equity </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US"> TOTAL LIABILITIES AND EQUITY </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongTermFundingDebts" xlink:label="loc_pt_LongTermFundingDebts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongTermFundingDebts" xml:lang="en-US"> Long Term Funding Debts </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_LongTermFundingDebts" xml:lang="en-US"> Long-term funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongTermFundingDebts" xlink:to="lab_pt_LongTermFundingDebts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongTermFundingDebts" xml:lang="en-US"> Long Term Funding Debts. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="loc_us-gaap_CommonStockSharesAuthorized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US"> Common Stock, Shares Authorized </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US"> Ordinary shares authorized (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_us-gaap_CommonStockSharesAuthorized"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xml:lang="en-US"> Common Stock, Par or Stated Value Per Share </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xml:lang="en-US"> Ordinary shares par value (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_CommonStockParOrStatedValuePerShare"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="loc_us-gaap_CommonStockSharesOutstanding"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US"> Common Stock, Shares, Outstanding </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US"> Ordinary shares outstanding (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_us-gaap_CommonStockSharesOutstanding"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis" xlink:label="loc_srt_ConsolidatedEntitiesAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xml:lang="en-US"> Consolidated Entities [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xml:lang="en-US"> Consolidated Entities [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesAxis" xlink:to="lab_srt_ConsolidatedEntitiesAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain" xlink:label="loc_srt_ConsolidatedEntitiesDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xml:lang="en-US"> Consolidated Entities [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xml:lang="en-US"> Consolidated Entities [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xml:lang="en-US"> Variable Interest Entity, Primary Beneficiary [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xml:lang="en-US"> Consolidated VIEs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xml:lang="en-US"> Statement of Comprehensive Income [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xml:lang="en-US"> Consolidated Statements Of Operations And Comprehensive Income/(Loss) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="loc_us-gaap_IncomeStatementLocationAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeStatementLocationAxis" xml:lang="en-US"> Income Statement Location [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementLocationAxis" xlink:to="lab_us-gaap_IncomeStatementLocationAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="loc_us-gaap_IncomeStatementLocationDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeStatementLocationDomain" xml:lang="en-US"> Income Statement Location [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IncomeStatementLocationDomain" xml:lang="en-US"> Income Statement Location [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementLocationDomain" xlink:to="lab_us-gaap_IncomeStatementLocationDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SellingAndMarketingExpenseMember" xlink:label="loc_us-gaap_SellingAndMarketingExpenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SellingAndMarketingExpenseMember" xml:lang="en-US"> Selling and Marketing Expense [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SellingAndMarketingExpenseMember" xml:lang="en-US"> Sales and marketing expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SellingAndMarketingExpenseMember" xlink:to="lab_us-gaap_SellingAndMarketingExpenseMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostOfSalesMember" xlink:label="loc_us-gaap_CostOfSalesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CostOfSalesMember" xml:lang="en-US"> Cost of Sales [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CostOfSalesMember" xml:lang="en-US"> Cost of revenues </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostOfSalesMember" xlink:to="lab_us-gaap_CostOfSalesMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GeneralAndAdministrativeExpenseMember" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpenseMember" xml:lang="en-US"> General and Administrative Expense [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpenseMember" xml:lang="en-US"> General and administrative expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GeneralAndAdministrativeExpenseMember" xlink:to="lab_us-gaap_GeneralAndAdministrativeExpenseMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResearchAndDevelopmentExpenseMember" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpenseMember" xml:lang="en-US"> Research and Development Expense [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpenseMember" xml:lang="en-US"> Research and development expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ResearchAndDevelopmentExpenseMember" xlink:to="lab_us-gaap_ResearchAndDevelopmentExpenseMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductOrServiceAxis" xlink:label="loc_srt_ProductOrServiceAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ProductOrServiceAxis" xml:lang="en-US"> Product and Service [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductOrServiceAxis" xlink:to="lab_srt_ProductOrServiceAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductsAndServicesDomain" xlink:label="loc_srt_ProductsAndServicesDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ProductsAndServicesDomain" xml:lang="en-US"> Product and Service [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_ProductsAndServicesDomain" xml:lang="en-US"> Product and Service [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductsAndServicesDomain" xlink:to="lab_srt_ProductsAndServicesDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TechnicalServiceFeesMember" xlink:label="loc_pt_TechnicalServiceFeesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TechnicalServiceFeesMember" xml:lang="en-US"> Technical Service Fees [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TechnicalServiceFeesMember" xml:lang="en-US"> Technical service fees </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TechnicalServiceFeesMember" xlink:to="lab_pt_TechnicalServiceFeesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_TechnicalServiceFeesMember" xml:lang="en-US"> Represents the information pertaining to technical service fees. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_InstallmentServiceFeesMember" xlink:label="loc_pt_InstallmentServiceFeesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_InstallmentServiceFeesMember" xml:lang="en-US"> Installment Service Fees [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_InstallmentServiceFeesMember" xml:lang="en-US"> Installment service fees </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_InstallmentServiceFeesMember" xlink:to="lab_pt_InstallmentServiceFeesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_InstallmentServiceFeesMember" xml:lang="en-US"> Represents the information pertaining to installment service fees. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WealthManagementServiceFeesAndOthersMember" xlink:label="loc_pt_WealthManagementServiceFeesAndOthersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WealthManagementServiceFeesAndOthersMember" xml:lang="en-US"> Wealth Management Service Fees And Others [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_WealthManagementServiceFeesAndOthersMember" xml:lang="en-US"> Wealth management service fees and others </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WealthManagementServiceFeesAndOthersMember" xlink:to="lab_pt_WealthManagementServiceFeesAndOthersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WealthManagementServiceFeesAndOthersMember" xml:lang="en-US"> Represents the information pertaining to Wealth management service fees and others. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingIncomeLoss" xlink:label="loc_us-gaap_OperatingIncomeLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingIncomeLoss" xml:lang="en-US"> Operating Income (Loss) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OperatingIncomeLoss" xml:lang="en-US"> Operating loss </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingIncomeLoss" xlink:to="lab_us-gaap_OperatingIncomeLoss"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingExpensesAbstract" xlink:label="loc_us-gaap_OperatingExpensesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingExpensesAbstract" xml:lang="en-US"> Operating Expenses [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OperatingExpensesAbstract" xml:lang="en-US"> Operating expenses: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingExpensesAbstract" xlink:to="lab_us-gaap_OperatingExpensesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="loc_us-gaap_SellingAndMarketingExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SellingAndMarketingExpense" xml:lang="en-US"> Selling and Marketing Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_SellingAndMarketingExpense" xml:lang="en-US"> Sales and marketing expenses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_SellingAndMarketingExpense" xml:lang="en-US"> Sales and marketing expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SellingAndMarketingExpense" xlink:to="lab_us-gaap_SellingAndMarketingExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="loc_us-gaap_OperatingExpenses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingExpenses" xml:lang="en-US"> Operating Expenses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_us-gaap_OperatingExpenses" xml:lang="en-US"> Total operating expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingExpenses" xlink:to="lab_us-gaap_OperatingExpenses"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GeneralAndAdministrativeExpense" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US"> General and Administrative Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US"> General and administrative expenses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US"> General and administrative expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GeneralAndAdministrativeExpense" xlink:to="lab_us-gaap_GeneralAndAdministrativeExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResearchAndDevelopmentExpense" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpense" xml:lang="en-US"> Research and Development Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpense" xml:lang="en-US"> Research and development expenses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpense" xml:lang="en-US"> Research and development expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ResearchAndDevelopmentExpense" xlink:to="lab_us-gaap_ResearchAndDevelopmentExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetImpairment" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetImpairment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetImpairment" xml:lang="en-US"> Goodwill and Intangible Asset Impairment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetImpairment" xml:lang="en-US"> Impairment loss of goodwill and intangible assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetImpairment" xml:lang="en-US"> Impairment loss of goodwill and intangible assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetImpairment" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetImpairment"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US"> Net Income (Loss) Attributable to Parent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US"> Net loss attributable to Pintec Technology Holdings Limited shareholders </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US"> Net (loss)/income </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLoss" xlink:to="lab_us-gaap_NetIncomeLoss"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US"> Other Comprehensive Income (Loss), Net of Tax [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US"> Other comprehensive income/(loss): </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US"> Other comprehensive income/(loss): </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xml:lang="en-US"> Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xml:lang="en-US"> Foreign currency translation adjustments, net of nil tax </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US"> Other Comprehensive Income (Loss), Net of Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US"> Total other comprehensive income/(loss) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xml:lang="en-US"> OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xml:lang="en-US"> Fair value change in available for sale investment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xml:lang="en-US"> Income (Loss) from Equity Method Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xml:lang="en-US"> Loss from equity method investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xml:lang="en-US"> Loss from equity-method investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xml:lang="en-US"> Share of loss from equity method investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:to="lab_us-gaap_IncomeLossFromEquityMethodInvestments"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostOfRevenueAbstract" xlink:label="loc_us-gaap_CostOfRevenueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CostOfRevenueAbstract" xml:lang="en-US"> Cost of Revenue [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CostOfRevenueAbstract" xml:lang="en-US"> Cost of revenues: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostOfRevenueAbstract" xlink:to="lab_us-gaap_CostOfRevenueAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostOfRevenue" xlink:label="loc_us-gaap_CostOfRevenue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CostOfRevenue" xml:lang="en-US"> Cost of Revenue </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_us-gaap_CostOfRevenue" xml:lang="en-US"> Cost of revenues </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostOfRevenue" xlink:to="lab_us-gaap_CostOfRevenue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostOfGoodsAndServicesSold" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSold"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CostOfGoodsAndServicesSold" xml:lang="en-US"> Cost of Goods and Services Sold </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_CostOfGoodsAndServicesSold" xml:lang="en-US"> Origination and servicing cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostOfGoodsAndServicesSold" xlink:to="lab_us-gaap_CostOfGoodsAndServicesSold"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingInterestExpense" xlink:label="loc_us-gaap_FinancingInterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingInterestExpense" xml:lang="en-US"> Financing Interest Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_FinancingInterestExpense" xml:lang="en-US"> Funding cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingInterestExpense" xlink:to="lab_us-gaap_FinancingInterestExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="loc_us-gaap_ProvisionForLoanAndLeaseLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProvisionForLoanAndLeaseLosses" xml:lang="en-US"> Provision for Loan and Lease Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_ProvisionForLoanAndLeaseLosses" xml:lang="en-US"> (Provision)/Reversal for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="lab_us-gaap_ProvisionForLoanAndLeaseLosses"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ServiceCostCharged" xlink:label="loc_pt_ServiceCostCharged"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ServiceCostCharged" xml:lang="en-US"> Service Cost Charged </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_ServiceCostCharged" xml:lang="en-US"> Service cost charged by Jimu Group-related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ServiceCostCharged" xlink:to="lab_pt_ServiceCostCharged"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ServiceCostCharged" xml:lang="en-US"> This element represents service cost charged to produce goods or render services. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GuaranteeLiabilityExpense" xlink:label="loc_pt_GuaranteeLiabilityExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GuaranteeLiabilityExpense" xml:lang="en-US"> Guarantee Liability Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_pt_GuaranteeLiabilityExpense" xml:lang="en-US"> (Cost on)/Recover of guarantee </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GuaranteeLiabilityExpense" xlink:to="lab_pt_GuaranteeLiabilityExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GuaranteeLiabilityExpense" xml:lang="en-US"> Guarantee liability expense </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GrossProfit" xlink:label="loc_us-gaap_GrossProfit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GrossProfit" xml:lang="en-US"> Gross Profit </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_GrossProfit" xml:lang="en-US"> Gross profit </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GrossProfit" xlink:to="lab_us-gaap_GrossProfit"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xml:lang="en-US"> Comprehensive Income (Loss), Net of Tax, Attributable to Parent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xml:lang="en-US"> Total comprehensive loss attributable to Pintec Technology Holdings Limited shareholders </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:label="loc_us-gaap_InterestIncomeExpenseNonoperatingNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestIncomeExpenseNonoperatingNet" xml:lang="en-US"> Interest Income (Expense), Nonoperating, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestIncomeExpenseNonoperatingNet" xml:lang="en-US"> Interest expenses, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNonoperatingNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNonoperatingNet"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US"> Income Tax Expense (Benefit) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US"> Income tax expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US"> Income tax expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeRelatedParty" xlink:label="loc_us-gaap_InterestIncomeRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestIncomeRelatedParty" xml:lang="en-US"> Interest Income, Related Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_InterestIncomeRelatedParty" xml:lang="en-US"> Interest income from related parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_InterestIncomeRelatedParty" xml:lang="en-US"> Interest income from loans to the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeRelatedParty" xlink:to="lab_us-gaap_InterestIncomeRelatedParty"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProfitLoss" xml:lang="en-US"> Net Income (Loss), Including Portion Attributable to Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ProfitLoss" xml:lang="en-US"> Net loss </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProfitLoss" xml:lang="en-US"> Net loss </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_ProfitLoss" xml:lang="en-US"> Net loss </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProfitLoss" xlink:to="lab_us-gaap_ProfitLoss"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareProFormaAbstract" xlink:label="loc_us-gaap_EarningsPerShareProFormaAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareProFormaAbstract" xml:lang="en-US"> Earnings Per Share, Pro Forma [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareProFormaAbstract" xml:lang="en-US"> Loss per ordinary share </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareProFormaAbstract" xlink:to="lab_us-gaap_EarningsPerShareProFormaAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasicAndDiluted" xlink:label="loc_us-gaap_EarningsPerShareBasicAndDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareBasicAndDiluted" xml:lang="en-US"> Earnings Per Share, Basic and Diluted </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EarningsPerShareBasicAndDiluted" xml:lang="en-US"> Basic and Diluted </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareBasicAndDiluted" xml:lang="en-US"> Loss per ordinary share basic and diluted </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasicAndDiluted" xlink:to="lab_us-gaap_EarningsPerShareBasicAndDiluted"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US"> Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US"> Total comprehensive loss </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationAllocationAndClassificationInFinancialStatementsAbstract" xlink:label="loc_us-gaap_ShareBasedCompensationAllocationAndClassificationInFinancialStatementsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationAllocationAndClassificationInFinancialStatementsAbstract" xml:lang="en-US"> Share-based Compensation, Allocation and Classification in Financial Statements [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationAllocationAndClassificationInFinancialStatementsAbstract" xml:lang="en-US"> Share-based compensation expenses included in </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationAllocationAndClassificationInFinancialStatementsAbstract" xlink:to="lab_us-gaap_ShareBasedCompensationAllocationAndClassificationInFinancialStatementsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AllocatedShareBasedCompensationExpense" xml:lang="en-US"> Allocated Share-based Compensation Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AllocatedShareBasedCompensationExpense" xml:lang="en-US"> Share-based compensation expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllocatedShareBasedCompensationExpense" xlink:to="lab_us-gaap_AllocatedShareBasedCompensationExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment" xlink:label="loc_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment" xml:lang="en-US"> Equity Method Investment, Other than Temporary Impairment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment" xml:lang="en-US"> Impairment on prepayment for long-term investment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment" xml:lang="en-US"> Impairment loss on equity investment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment" xml:lang="en-US"> Equity Method Investment, Impairment loss </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment" xlink:to="lab_us-gaap_EquityMethodInvestmentOtherThanTemporaryImpairment"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WeightedAverageSharesOutstandingProFormaAbstract" xlink:label="loc_pt_WeightedAverageSharesOutstandingProFormaAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WeightedAverageSharesOutstandingProFormaAbstract" xml:lang="en-US"> Weighted Average Shares Outstanding Pro Forma [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_WeightedAverageSharesOutstandingProFormaAbstract" xml:lang="en-US"> Weighted average number of ordinary shares outstanding </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WeightedAverageSharesOutstandingProFormaAbstract" xlink:to="lab_pt_WeightedAverageSharesOutstandingProFormaAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WeightedAverageSharesOutstandingProFormaAbstract" xml:lang="en-US"> No Definition Available. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:label="loc_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xml:lang="en-US"> Weighted Average Number of Shares Outstanding, Basic and Diluted </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xml:lang="en-US"> Basic and Diluted </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xml:lang="en-US"> Weighted average ordinary shares outstanding-basic and diluted </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:to="lab_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xml:lang="en-US"> Net Income (Loss) Attributable to Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xml:lang="en-US"> Net loss attributable to non-controlling interest </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xml:lang="en-US"> Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xml:lang="en-US"> Total comprehensive loss attributable to non-controlling interest </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US"> Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US"> Loss before income tax expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RevenuesAbstract" xml:lang="en-US"> Revenues [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RevenuesAbstract" xml:lang="en-US"> Revenues: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenuesAbstract" xlink:to="lab_us-gaap_RevenuesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Revenues" xml:lang="en-US"> Revenues </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_Revenues" xml:lang="en-US"> Total revenues </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_Revenues" xml:lang="en-US"> Total net revenues </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Revenues" xlink:to="lab_us-gaap_Revenues"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ImpairmentLossOnEquityInvestment" xlink:label="loc_pt_ImpairmentLossOnEquityInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ImpairmentLossOnEquityInvestment" xml:lang="en-US"> Impairment Loss On Equity Investment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_ImpairmentLossOnEquityInvestment" xml:lang="en-US"> Impairment loss on equity investment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ImpairmentLossOnEquityInvestment" xlink:to="lab_pt_ImpairmentLossOnEquityInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ImpairmentLossOnEquityInvestment" xml:lang="en-US"> Impairment loss on equity investment. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSaleOfBusiness" xlink:label="loc_us-gaap_GainLossOnSaleOfBusiness"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GainLossOnSaleOfBusiness" xml:lang="en-US"> Gain (Loss) on Disposition of Business </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GainLossOnSaleOfBusiness" xml:lang="en-US"> Loss from disposal of a subsidiary </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_GainLossOnSaleOfBusiness" xml:lang="en-US"> Loss from disposal of a subsidiary </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GainLossOnSaleOfBusiness" xml:lang="en-US"> Disposal loss from a subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSaleOfBusiness" xlink:to="lab_us-gaap_GainLossOnSaleOfBusiness"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNonoperatingIncomeExpense" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherNonoperatingIncomeExpense" xml:lang="en-US"> Other Nonoperating Income (Expense) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherNonoperatingIncomeExpense" xml:lang="en-US"> Other income, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_OtherNonoperatingIncomeExpense" xml:lang="en-US"> Other expense, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpense" xlink:to="lab_us-gaap_OtherNonoperatingIncomeExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xml:lang="en-US"> Related Party [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="loc_us-gaap_RelatedPartyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyDomain" xml:lang="en-US"> Related Party [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RelatedPartyDomain" xml:lang="en-US"> Related Party [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyDomain" xlink:to="lab_us-gaap_RelatedPartyDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xml:lang="en-US"> Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xml:lang="en-US"> Foreign currency translation adjustments, tax </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xml:lang="en-US"> Statement of Stockholders' Equity [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xml:lang="en-US"> Consolidated Statements Of Changes In (Invested Deficit)/ Equity </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_us-gaap_StatementOfStockholdersEquityAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsidiarySaleOfStockAxis" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsidiarySaleOfStockAxis" xml:lang="en-US"> Sale of Stock [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis" xlink:to="lab_us-gaap_SubsidiarySaleOfStockAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SaleOfStockNameOfTransactionDomain" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xml:lang="en-US"> Sale of Stock [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xml:lang="en-US"> Sale of Stock [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:to="lab_us-gaap_SaleOfStockNameOfTransactionDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="loc_us-gaap_StatementEquityComponentsAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US"> Equity Components [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US"> Equity Components [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="loc_us-gaap_EquityComponentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityComponentDomain" xml:lang="en-US"> Equity Component [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityComponentDomain" xml:lang="en-US"> Equity Component [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityComponentDomain" xlink:to="lab_us-gaap_EquityComponentDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockMember" xml:lang="en-US"> Common Stock [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CommonStockMember" xml:lang="en-US"> Ordinary shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_StatutoryReserveMember" xlink:label="loc_pt_StatutoryReserveMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_StatutoryReserveMember" xml:lang="en-US"> Statutory Reserve [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_StatutoryReserveMember" xml:lang="en-US"> Statutory Reserve </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_StatutoryReserveMember" xlink:to="lab_pt_StatutoryReserveMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_StatutoryReserveMember" xml:lang="en-US"> This member stands for statutory reserve. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xml:lang="en-US"> AOCI Attributable to Parent [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xml:lang="en-US"> Accumulated Other Comprehensive Income </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="loc_us-gaap_RetainedEarningsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RetainedEarningsMember" xml:lang="en-US"> Retained Earnings [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RetainedEarningsMember" xml:lang="en-US"> Accumulated Deficit </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsMember" xlink:to="lab_us-gaap_RetainedEarningsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncontrollingInterestMember" xlink:label="loc_us-gaap_NoncontrollingInterestMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xml:lang="en-US"> Noncontrolling Interest [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xml:lang="en-US"> Noncontrolling Interest [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncontrollingInterestMember" xlink:to="lab_us-gaap_NoncontrollingInterestMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xml:lang="en-US"> Additional Paid-in Capital [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xml:lang="en-US"> Additional Paid-in Capital </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:to="lab_us-gaap_AdditionalPaidInCapitalMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAxis" xml:lang="en-US"> Cumulative Effect, Period of Adoption [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionDomain" xml:lang="en-US"> Cumulative Effect, Period of Adoption [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xml:lang="en-US"> Cumulative Effect, Period of Adoption, Adjustment [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xml:lang="en-US"> Cumulative Effect, Period of Adoption, Adjustment [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xml:lang="en-US"> Increase (Decrease) in Stockholders' Equity [Roll Forward] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xml:lang="en-US"> Changes in equity </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="loc_us-gaap_CommonStockSharesIssued"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockSharesIssued" xml:lang="en-US"> Common Stock, Shares, Issued </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_CommonStockSharesIssued" xml:lang="en-US"> Balance at beginning of year (in shares) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_CommonStockSharesIssued" xml:lang="en-US"> Balance at end of year (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesIssued" xlink:to="lab_us-gaap_CommonStockSharesIssued"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AppropriationToStatutoryReserve" xlink:label="loc_pt_AppropriationToStatutoryReserve"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AppropriationToStatutoryReserve" xml:lang="en-US"> Appropriation to Statutory Reserve </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AppropriationToStatutoryReserve" xml:lang="en-US"> Appropriation to statutory reserve </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AppropriationToStatutoryReserve" xlink:to="lab_pt_AppropriationToStatutoryReserve"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AppropriationToStatutoryReserve" xml:lang="en-US"> The amount of appropriation to statutory reserve. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xml:lang="en-US"> Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xml:lang="en-US"> Share-based awards to employee of the Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xml:lang="en-US"> Stock Issued During Period, Value, Stock Options Exercised </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xml:lang="en-US"> Exercise of options </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xml:lang="en-US"> Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax, Portion Attributable to Parent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xml:lang="en-US"> Foreign currency translation adjustments, net of nil tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xml:lang="en-US"> Foreign currency translation adjustments net of nil tax </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_StockIssuedDuringPeriodSharesReassignmentOfShares" xlink:label="loc_pt_StockIssuedDuringPeriodSharesReassignmentOfShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_StockIssuedDuringPeriodSharesReassignmentOfShares" xml:lang="en-US"> Stock Issued During Period Shares Reassignment Of Shares </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_StockIssuedDuringPeriodSharesReassignmentOfShares" xml:lang="en-US"> Reassignment of Class B Ordinary Shares to Class A Ordinary Shares, Shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_StockIssuedDuringPeriodSharesReassignmentOfShares" xlink:to="lab_pt_StockIssuedDuringPeriodSharesReassignmentOfShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_StockIssuedDuringPeriodSharesReassignmentOfShares" xml:lang="en-US"> Stock issued during period, shares, Reassignment Of Shares </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xml:lang="en-US"> Adjustments to Additional Paid in Capital, Warrant Issued </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xml:lang="en-US"> Warrant issued </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US"> Exercise of options, shares </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xml:lang="en-US"> Exercise of Share-based options (in share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xml:lang="en-US"> Stock Issued During Period, Shares, Acquisitions </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xml:lang="en-US"> Shares issued to acquire a subsidiary (in shares) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xml:lang="en-US"> Consideration,Warrant shares issued to Otov Alfa Holding Limited </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_StockIssuedDuringPeriodValueReassignmentOfShares" xlink:label="loc_pt_StockIssuedDuringPeriodValueReassignmentOfShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_StockIssuedDuringPeriodValueReassignmentOfShares" xml:lang="en-US"> Stock Issued During Period Value Reassignment Of Shares </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_StockIssuedDuringPeriodValueReassignmentOfShares" xml:lang="en-US"> Reassignment of Class B Ordinary Shares to Class A Ordinary Shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_StockIssuedDuringPeriodValueReassignmentOfShares" xlink:to="lab_pt_StockIssuedDuringPeriodValueReassignmentOfShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_StockIssuedDuringPeriodValueReassignmentOfShares" xml:lang="en-US"> Stock issued during period, value, reassignment of shares </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xml:lang="en-US"> Adjustments to Additional Paid in Capital, Share-based Compensation, Employee Stock Purchase Program, Requisite Service Period Recognition </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xml:lang="en-US"> Share-based compensation awards to employees of Jimu Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xml:lang="en-US"> Share-based compensation awards to employees of the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xml:lang="en-US"> Stock Issued During Period, Value, Acquisitions </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xml:lang="en-US"> Shares issued to acquire a subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance" xlink:label="loc_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance" xml:lang="en-US"> Noncontrolling Interest, Increase from Subsidiary Equity Issuance </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance" xml:lang="en-US"> Addition of noncontrolling interests resulting from selling of interests in a subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance" xlink:to="lab_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ContributionFromNoncontrollingInterestsInASubsidiary" xlink:label="loc_pt_ContributionFromNoncontrollingInterestsInASubsidiary"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ContributionFromNoncontrollingInterestsInASubsidiary" xml:lang="en-US"> Contribution From Noncontrolling Interests In A Subsidiary </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ContributionFromNoncontrollingInterestsInASubsidiary" xml:lang="en-US"> Contribution from non-controlling interests in a subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ContributionFromNoncontrollingInterestsInASubsidiary" xlink:to="lab_pt_ContributionFromNoncontrollingInterestsInASubsidiary"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ContributionFromNoncontrollingInterestsInASubsidiary" xml:lang="en-US"> Contribution from non-controlling interests in a subsidiary. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncontrollingInterestIncreaseFromBusinessCombination" xlink:label="loc_us-gaap_NoncontrollingInterestIncreaseFromBusinessCombination"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoncontrollingInterestIncreaseFromBusinessCombination" xml:lang="en-US"> Noncontrolling Interest, Increase from Business Combination </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NoncontrollingInterestIncreaseFromBusinessCombination" xml:lang="en-US"> Non-controlling interests contribution </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncontrollingInterestIncreaseFromBusinessCombination" xlink:to="lab_us-gaap_NoncontrollingInterestIncreaseFromBusinessCombination"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US"> Statement of Cash Flows [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US"> Consolidated Statements Of Cash Flows </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xml:lang="en-US"> Schedule of Business Acquisitions, by Acquisition [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:to="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:label="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xml:lang="en-US"> Noncash Investing and Financing Items [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xml:lang="en-US"> Non-cash investing activities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:to="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesGross" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesGross" xml:lang="en-US"> Payments to Acquire Businesses, Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesGross" xml:lang="en-US"> Net off amount due to Jimu Group arising from acquisition of Ganzhou Micro Finance with due from Jimu Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesGross" xml:lang="en-US"> Cash consideration </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesGross" xml:lang="en-US"> Acquisition of Ganzhou Micro Finance from the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireBusinessesGross" xlink:to="lab_us-gaap_PaymentsToAcquireBusinessesGross"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncashOrPartNoncashAcquisitionPayablesAssumed1" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionPayablesAssumed1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoncashOrPartNoncashAcquisitionPayablesAssumed1" xml:lang="en-US"> Noncash or Part Noncash Acquisition, Payables Assumed </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_NoncashOrPartNoncashAcquisitionPayablesAssumed1" xml:lang="en-US"> Contingent payables related to acquisition of Infrarisk </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncashOrPartNoncashAcquisitionPayablesAssumed1" xlink:to="lab_us-gaap_NoncashOrPartNoncashAcquisitionPayablesAssumed1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xml:lang="en-US"> Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xml:lang="en-US"> Cash, cash equivalents and restricted cash at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xml:lang="en-US"> Cash, cash equivalents and restricted cash at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xml:lang="en-US"> Net Cash Provided by (Used in) Financing Activities [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xml:lang="en-US"> Cash flows from financing activities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProceedsFromAdvancesFromThirdParties" xlink:label="loc_pt_ProceedsFromAdvancesFromThirdParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProceedsFromAdvancesFromThirdParties" xml:lang="en-US"> Proceeds from Advances from Third Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProceedsFromAdvancesFromThirdParties" xml:lang="en-US"> Loan received from third parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProceedsFromAdvancesFromThirdParties" xlink:to="lab_pt_ProceedsFromAdvancesFromThirdParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProceedsFromAdvancesFromThirdParties" xml:lang="en-US"> The cash inflow from proceeds of advances from third parties. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RepaymentOfAdvancesToThirdParties" xlink:label="loc_pt_RepaymentOfAdvancesToThirdParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RepaymentOfAdvancesToThirdParties" xml:lang="en-US"> Repayment of Advances to Third Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_RepaymentOfAdvancesToThirdParties" xml:lang="en-US"> Loan repayment to third parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RepaymentOfAdvancesToThirdParties" xlink:to="lab_pt_RepaymentOfAdvancesToThirdParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RepaymentOfAdvancesToThirdParties" xml:lang="en-US"> The cash outflow from repayment of advances to third parties. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RepaymentOfDebt" xlink:label="loc_pt_RepaymentOfDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RepaymentOfDebt" xml:lang="en-US"> Repayment Of Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_RepaymentOfDebt" xml:lang="en-US"> Principal repayments on funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RepaymentOfDebt" xlink:to="lab_pt_RepaymentOfDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RepaymentOfDebt" xml:lang="en-US"> Repayment Of Debt </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromRelatedPartyDebt" xlink:label="loc_us-gaap_ProceedsFromRelatedPartyDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromRelatedPartyDebt" xml:lang="en-US"> Proceeds from Related Party Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromRelatedPartyDebt" xml:lang="en-US"> Proceeds from related parties as funding debt </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromRelatedPartyDebt" xlink:to="lab_us-gaap_ProceedsFromRelatedPartyDebt"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US"> Net Cash Provided by (Used in) Financing Activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US"> Net cash provided by/(used in) financing activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US"> Net cash provided by/(used in) financing activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfDebt" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfDebt" xml:lang="en-US"> Proceeds from Issuance of Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfDebt" xml:lang="en-US"> Proceeds from funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfDebt" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfDebt"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromConvertibleDebt" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromConvertibleDebt" xml:lang="en-US"> Proceeds from Convertible Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromConvertibleDebt" xml:lang="en-US"> Proceeds from issuance of convertible loans </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromConvertibleDebt" xlink:to="lab_us-gaap_ProceedsFromConvertibleDebt"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RepaymentOfRelatedPartyLoan" xlink:label="loc_pt_RepaymentOfRelatedPartyLoan"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RepaymentOfRelatedPartyLoan" xml:lang="en-US"> Repayment of Related Party Loan </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_RepaymentOfRelatedPartyLoan" xml:lang="en-US"> Repayment of loans to Jimu Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_pt_RepaymentOfRelatedPartyLoan" xml:lang="en-US"> Principal of borrowings repaid to the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RepaymentOfRelatedPartyLoan" xlink:to="lab_pt_RepaymentOfRelatedPartyLoan"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RepaymentOfRelatedPartyLoan" xml:lang="en-US"> The cash outflow from repayment of related party loan. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromNotesPayable" xlink:label="loc_us-gaap_ProceedsFromNotesPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromNotesPayable" xml:lang="en-US"> Proceeds from Notes Payable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromNotesPayable" xml:lang="en-US"> Proceeds from notes payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromNotesPayable" xlink:to="lab_us-gaap_ProceedsFromNotesPayable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xml:lang="en-US"> Proceeds from Stock Options Exercised </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xml:lang="en-US"> Proceeds from exercise of options </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xml:lang="en-US"> Proceeds from exercise of options </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromStockOptionsExercised" xlink:to="lab_us-gaap_ProceedsFromStockOptionsExercised"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xml:lang="en-US"> Proceeds from Issuance of Secured Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xml:lang="en-US"> Proceeds from issuance of debt instrument </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings" xlink:label="loc_pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings" xml:lang="en-US"> Repayment Of Short Term Borrowings And Long Term Borrowings </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings" xml:lang="en-US"> Repayment of short-term borrowings and long-term borrowings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings" xlink:to="lab_pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RepaymentOfShortTermBorrowingsAndLongTermBorrowings" xml:lang="en-US"> Repayment of short term borrowings and long term borrowings. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfNotesPayable" xlink:label="loc_us-gaap_RepaymentsOfNotesPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RepaymentsOfNotesPayable" xml:lang="en-US"> Repayments of Notes Payable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_RepaymentsOfNotesPayable" xml:lang="en-US"> Repayment of notes payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfNotesPayable" xlink:to="lab_us-gaap_RepaymentsOfNotesPayable"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt" xlink:label="loc_pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt" xml:lang="en-US"> Proceeds From Issuance Of Short Term And Long Term Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt" xml:lang="en-US"> Proceeds from short-term and long-term borrowings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt" xlink:to="lab_pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProceedsFromIssuanceOfShortTermAndLongTermDebt" xml:lang="en-US"> The cash inflow from a borrowing having initial term of repayment within one year or the normal operating cycle, if longer and debt initially having maturity due after one year or beyond the operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DebtInstrumentPeriodicPayments" xlink:label="loc_pt_DebtInstrumentPeriodicPayments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DebtInstrumentPeriodicPayments" xml:lang="en-US"> Debt Instrument Periodic Payments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DebtInstrumentPeriodicPayments" xml:lang="en-US"> Repayment of debt instrument </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DebtInstrumentPeriodicPayments" xlink:to="lab_pt_DebtInstrumentPeriodicPayments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DebtInstrumentPeriodicPayments" xml:lang="en-US"> Debt Instrument Periodic Payments. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromMinorityShareholders" xlink:label="loc_us-gaap_ProceedsFromMinorityShareholders"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromMinorityShareholders" xml:lang="en-US"> Proceeds from Noncontrolling Interests </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromMinorityShareholders" xml:lang="en-US"> Proceeds from capital injection by non-controlling shareholders </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromMinorityShareholders" xlink:to="lab_us-gaap_ProceedsFromMinorityShareholders"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Restricted Cash and Cash Equivalents, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Restricted cash at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" xml:lang="en-US"> Restricted cash at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_RestrictedCashAndCashEquivalentsAtCarryingValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xml:lang="en-US"> Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xml:lang="en-US"> Net decrease in cash, cash equivalents and restricted cash </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xml:lang="en-US"> Supplemental Cash Flow Information [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xml:lang="en-US"> Supplemental disclosure of cash flow information: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxesPaidNet" xlink:label="loc_us-gaap_IncomeTaxesPaidNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xml:lang="en-US"> Income Taxes Paid, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xml:lang="en-US"> Cash paid for income tax expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxesPaidNet" xlink:to="lab_us-gaap_IncomeTaxesPaidNet"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CashPaidForInterestAndFundingCost" xlink:label="loc_pt_CashPaidForInterestAndFundingCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CashPaidForInterestAndFundingCost" xml:lang="en-US"> Cash Paid for Interest and Funding Cost </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_CashPaidForInterestAndFundingCost" xml:lang="en-US"> Cash paid for interest and funding cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CashPaidForInterestAndFundingCost" xlink:to="lab_pt_CashPaidForInterestAndFundingCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CashPaidForInterestAndFundingCost" xml:lang="en-US"> Amount of cash paid for interest and funding cost. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xml:lang="en-US"> Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xml:lang="en-US"> Effect of exchange rate changes on cash, cash equivalents and restricted cash </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsNoncurrent" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalentsNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsNoncurrent" xml:lang="en-US"> Restricted Cash and Cash Equivalents, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsNoncurrent" xml:lang="en-US"> Non-current restricted time deposits at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsNoncurrent" xml:lang="en-US"> Non-current restricted time deposits at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashAndCashEquivalentsNoncurrent" xlink:to="lab_us-gaap_RestrictedCashAndCashEquivalentsNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US"> Net Cash Provided by (Used in) Operating Activities [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US"> Cash flows from operating activities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US"> Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US"> Adjustments to reconcile net loss to net cash provided by/(used in) operating activities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="loc_us-gaap_DepreciationAndAmortization"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DepreciationAndAmortization" xml:lang="en-US"> Depreciation, Depletion and Amortization, Nonproduction </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DepreciationAndAmortization" xml:lang="en-US"> Depreciation and amortization </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepreciationAndAmortization" xlink:to="lab_us-gaap_DepreciationAndAmortization"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProvisionForDoubtfulAccountsAndCreditLosses" xlink:label="loc_pt_ProvisionForDoubtfulAccountsAndCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProvisionForDoubtfulAccountsAndCreditLosses" xml:lang="en-US"> Provision For Doubtful Accounts and Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ProvisionForDoubtfulAccountsAndCreditLosses" xml:lang="en-US"> Provision/(reversal) for doubtful accounts and credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProvisionForDoubtfulAccountsAndCreditLosses" xlink:to="lab_pt_ProvisionForDoubtfulAccountsAndCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProvisionForDoubtfulAccountsAndCreditLosses" xml:lang="en-US"> It represents Provision for doubtful accounts and credit losses. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensation" xml:lang="en-US"> Share-based Compensation </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensation" xml:lang="en-US"> Share-based compensation expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensation" xlink:to="lab_us-gaap_ShareBasedCompensation"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US"> Deferred Income Tax Expense (Benefit) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US"> Deferred income tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US"> Deferred income tax (benefit)/expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccretionExpense" xlink:label="loc_us-gaap_AccretionExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccretionExpense" xml:lang="en-US"> Accretion Expense </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccretionExpense" xml:lang="en-US"> Accretion of debt instrument </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccretionExpense" xlink:to="lab_us-gaap_AccretionExpense"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xml:lang="en-US"> Business Combination, Contingent Consideration Arrangements, Change in Amount of Contingent Consideration, Liability </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xml:lang="en-US"> Change in the fair value of contingent consideration payable from acquisition of Infrarisk </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:to="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ImpairmentOnPrepaymentOfLongTermInvestment" xlink:label="loc_pt_ImpairmentOnPrepaymentOfLongTermInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ImpairmentOnPrepaymentOfLongTermInvestment" xml:lang="en-US"> Impairment On Prepayment Of Long Term Investment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ImpairmentOnPrepaymentOfLongTermInvestment" xml:lang="en-US"> Impairment on prepayment for long-term investment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ImpairmentOnPrepaymentOfLongTermInvestment" xlink:to="lab_pt_ImpairmentOnPrepaymentOfLongTermInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ImpairmentOnPrepaymentOfLongTermInvestment" xml:lang="en-US"> Impairment on prepayment of long term investment. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xml:lang="en-US"> Increase (Decrease) in Operating Capital [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xml:lang="en-US"> Changes in operating assets and liabilities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:label="loc_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xml:lang="en-US"> Increase (Decrease) in Prepaid Expense and Other Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xml:lang="en-US"> Prepayments and other current assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="lab_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_IncreaseDecreaseInGuaranteeObligations" xlink:label="loc_pt_IncreaseDecreaseInGuaranteeObligations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_IncreaseDecreaseInGuaranteeObligations" xml:lang="en-US"> Increase (Decrease) in Guarantee Obligations </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_IncreaseDecreaseInGuaranteeObligations" xml:lang="en-US"> Financial guarantee liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_IncreaseDecreaseInGuaranteeObligations" xlink:to="lab_pt_IncreaseDecreaseInGuaranteeObligations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_IncreaseDecreaseInGuaranteeObligations" xml:lang="en-US"> The amount of increase (decrease) in guarantee obligations </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent" xlink:label="loc_us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent" xml:lang="en-US"> Increase (Decrease) in Due from Related Parties, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent" xml:lang="en-US"> Amounts due from related parties, net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent" xml:lang="en-US"> Increase (Decrease) in Due from Related Parties, Current </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent" xlink:to="lab_us-gaap_IncreaseDecreaseInDueFromRelatedPartiesCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xml:lang="en-US"> Increase (Decrease) in Accounts Receivable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xml:lang="en-US"> Accounts receivable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:to="lab_us-gaap_IncreaseDecreaseInAccountsReceivable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedTaxesPayable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedTaxesPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedTaxesPayable" xml:lang="en-US"> Increase (Decrease) in Accrued Taxes Payable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedTaxesPayable" xml:lang="en-US"> Tax payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccruedTaxesPayable" xlink:to="lab_us-gaap_IncreaseDecreaseInAccruedTaxesPayable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableTrade" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsPayableTrade" xml:lang="en-US"> Increase (Decrease) in Accounts Payable, Trade </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsPayableTrade" xml:lang="en-US"> Accounts payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade" xlink:to="lab_us-gaap_IncreaseDecreaseInAccountsPayableTrade"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent" xlink:label="loc_us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent" xml:lang="en-US"> Increase (Decrease) in Due to Related Parties, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent" xml:lang="en-US"> Amounts due to related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent" xlink:to="lab_us-gaap_IncreaseDecreaseInDueToRelatedPartiesCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities" xlink:label="loc_pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities" xml:lang="en-US"> Increase (Decrease) in Accrued Expenses and Other Liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities" xml:lang="en-US"> Accrued expenses and other liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities" xlink:to="lab_pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_IncreaseDecreaseInAccruedExpensesAndOtherLiabilities" xml:lang="en-US"> The increase (decrease) during the period in the amount of Accrued expenses and other liabilities. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShortTermandLongTermFinancialGuaranteeAssets" xlink:label="loc_pt_ShortTermandLongTermFinancialGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShortTermandLongTermFinancialGuaranteeAssets" xml:lang="en-US"> Short TermAnd Long Term Financial Guarantee Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_ShortTermandLongTermFinancialGuaranteeAssets" xml:lang="en-US"> Short-term and long-term financial guarantee assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShortTermandLongTermFinancialGuaranteeAssets" xlink:to="lab_pt_ShortTermandLongTermFinancialGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShortTermandLongTermFinancialGuaranteeAssets" xml:lang="en-US"> The increase (decrease) during the reporting period of the sum of amounts due within one year of short-term and long-term financial guarantee assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShortTermAndLongTermFundingDebts" xlink:label="loc_pt_ShortTermAndLongTermFundingDebts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShortTermAndLongTermFundingDebts" xml:lang="en-US"> Short Term And Long Term Funding Debts </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_ShortTermAndLongTermFundingDebts" xml:lang="en-US"> Short-term and long-term funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShortTermAndLongTermFundingDebts" xlink:to="lab_pt_ShortTermAndLongTermFundingDebts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShortTermAndLongTermFundingDebts" xml:lang="en-US"> The increase (decrease) during the period in the carrying amount of short-term and long-term funding debts. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_IncreaseDecreaseInNotesAndLoansReceivableNet" xlink:label="loc_pt_IncreaseDecreaseInNotesAndLoansReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_IncreaseDecreaseInNotesAndLoansReceivableNet" xml:lang="en-US"> Increase Decrease In Notes And Loans Receivable Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_IncreaseDecreaseInNotesAndLoansReceivableNet" xml:lang="en-US"> Short-term and long-term financing receivables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_IncreaseDecreaseInNotesAndLoansReceivableNet" xlink:to="lab_pt_IncreaseDecreaseInNotesAndLoansReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_IncreaseDecreaseInNotesAndLoansReceivableNet" xml:lang="en-US"> The increase (decrease) during the reporting period of the sum of amounts due within one year of short-term and long-term notes, loans and financing receivables. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US"> Net Cash Provided by (Used in) Operating Activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US"> Net cash provided by/(used in) operating activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US"> Net cash provided by operating activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US"> Net cash used in operating activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xml:lang="en-US"> Net Cash Provided by (Used in) Investing Activities [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xml:lang="en-US"> Cash flows from investing activities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:label="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables" xml:lang="en-US"> Proceeds from Collection of Finance Receivables </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables" xml:lang="en-US"> Collection of principal on financing receivables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:to="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireFinanceReceivables" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireFinanceReceivables" xml:lang="en-US"> Payments to Acquire Finance Receivables </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquireFinanceReceivables" xml:lang="en-US"> Financing receivables facilitated </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireFinanceReceivables" xlink:to="lab_us-gaap_PaymentsToAcquireFinanceReceivables"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PaymentsToAcquirePropertyEquipmentAndSoftware" xlink:label="loc_pt_PaymentsToAcquirePropertyEquipmentAndSoftware"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PaymentsToAcquirePropertyEquipmentAndSoftware" xml:lang="en-US"> Payments To Acquire Property Equipment and Software </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_PaymentsToAcquirePropertyEquipmentAndSoftware" xml:lang="en-US"> Purchase of property, equipment and software </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PaymentsToAcquirePropertyEquipmentAndSoftware" xlink:to="lab_pt_PaymentsToAcquirePropertyEquipmentAndSoftware"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PaymentsToAcquirePropertyEquipmentAndSoftware" xml:lang="en-US"> It represents to payment to acquire property, equipment and software. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xlink:label="loc_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xml:lang="en-US"> Proceeds from Collection of Long-term Loans to Related Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xml:lang="en-US"> Collection of loan from Jimu Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xml:lang="en-US"> Principal of loans collected from the related party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xml:lang="en-US"> Collection of cash advance from Jimu Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties" xlink:to="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAcquiredInExcessOfPaymentsToAcquireBusiness" xlink:label="loc_us-gaap_CashAcquiredInExcessOfPaymentsToAcquireBusiness"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAcquiredInExcessOfPaymentsToAcquireBusiness" xml:lang="en-US"> Cash Acquired in Excess of Payments to Acquire Business </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CashAcquiredInExcessOfPaymentsToAcquireBusiness" xml:lang="en-US"> Cash acquired due to acquisition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAcquiredInExcessOfPaymentsToAcquireBusiness" xlink:to="lab_us-gaap_CashAcquiredInExcessOfPaymentsToAcquireBusiness"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireLongtermInvestments" xlink:label="loc_us-gaap_PaymentsToAcquireLongtermInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireLongtermInvestments" xml:lang="en-US"> Payments to Acquire Long-term Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquireLongtermInvestments" xml:lang="en-US"> Purchase of long-term investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireLongtermInvestments" xlink:to="lab_us-gaap_PaymentsToAcquireLongtermInvestments"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xlink:label="loc_us-gaap_PaymentsToFundLongtermLoansToRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xml:lang="en-US"> Payments to Fund Long-term Loans to Related Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xml:lang="en-US"> Loans provided to Jimu Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xml:lang="en-US"> Net cash advances (to)/from subsidiaries </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xlink:to="lab_us-gaap_PaymentsToFundLongtermLoansToRelatedParties"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US"> Net Cash Provided by (Used in) Investing Activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US"> Net cash (used in)/provided by investing activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US"> Net cash (used in)/provided by investing activities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US"> Net cash (used in)/provided by investing activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments" xlink:label="loc_pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments" xml:lang="en-US"> Proceeds From Collection Of Prepayment For Long Term Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments" xml:lang="en-US"> Prepayment for financing receivable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments" xlink:to="lab_pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProceedsFromCollectionOfPrepaymentForLongTermInvestments" xml:lang="en-US"> Proceeds from collection of prepayment for long term investments. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xml:lang="en-US"> Business Combination, Consideration Transferred, Equity Interests Issued and Issuable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xml:lang="en-US"> Equity transfer consideration paid to Jimu Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:to="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansReceivable" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansReceivable" xml:lang="en-US"> Proceeds from Sale of Loans Receivable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansReceivable" xml:lang="en-US"> Collection of loan from a third party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfLoansReceivable" xlink:to="lab_us-gaap_ProceedsFromSaleOfLoansReceivable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xml:lang="en-US"> Proceeds from Sale of Property, Plant, and Equipment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xml:lang="en-US"> Proceeds from disposal of property, equipment and software </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:to="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessTwoNetOfCashAcquired" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessTwoNetOfCashAcquired"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessTwoNetOfCashAcquired" xml:lang="en-US"> Payments to Acquire Business Two, Net of Cash Acquired </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessTwoNetOfCashAcquired" xml:lang="en-US"> Purchase of Infrarisk, net of cash acquired (Note 4) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireBusinessTwoNetOfCashAcquired" xlink:to="lab_us-gaap_PaymentsToAcquireBusinessTwoNetOfCashAcquired"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NetCashAdvancesToRelatedParties" xlink:label="loc_pt_NetCashAdvancesToRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NetCashAdvancesToRelatedParties" xml:lang="en-US"> Net Cash Advances To Related Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_NetCashAdvancesToRelatedParties" xml:lang="en-US"> Net cash advances to Jimu Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_NetCashAdvancesToRelatedParties" xml:lang="en-US"> Net cash advances (to)/from the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NetCashAdvancesToRelatedParties" xlink:to="lab_pt_NetCashAdvancesToRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NetCashAdvancesToRelatedParties" xml:lang="en-US"> Net Cash Advances To Related Parties. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaymentForAcquisitionOfEntity" xlink:label="loc_pt_PrepaymentForAcquisitionOfEntity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaymentForAcquisitionOfEntity" xml:lang="en-US"> Prepayment For Acquisition Of Entity </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_PrepaymentForAcquisitionOfEntity" xml:lang="en-US"> Prepayment for of intent acquisition (Note 7) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaymentForAcquisitionOfEntity" xlink:to="lab_pt_PrepaymentForAcquisitionOfEntity"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaymentForAcquisitionOfEntity" xml:lang="en-US"> Prepayment for acquisition of entity. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NetCashOutflowFromDisposalOfSubsidiary" xlink:label="loc_pt_NetCashOutflowFromDisposalOfSubsidiary"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NetCashOutflowFromDisposalOfSubsidiary" xml:lang="en-US"> Net Cash Outflow from Disposal of Subsidiary </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_NetCashOutflowFromDisposalOfSubsidiary" xml:lang="en-US"> Net cash outflow from disposal of subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NetCashOutflowFromDisposalOfSubsidiary" xlink:to="lab_pt_NetCashOutflowFromDisposalOfSubsidiary"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NetCashOutflowFromDisposalOfSubsidiary" xml:lang="en-US"> Net cash outflow from disposal of subsidiary. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xml:lang="en-US"> Business Acquisition [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xml:lang="en-US"> Business Acquisition [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAxis" xlink:to="lab_us-gaap_BusinessAcquisitionAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xml:lang="en-US"> Business Acquisition, Acquiree [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xml:lang="en-US"> Business Acquisition, Acquiree [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:to="lab_us-gaap_BusinessAcquisitionAcquireeDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_InfrariskMember" xlink:label="loc_pt_InfrariskMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_InfrariskMember" xml:lang="en-US"> Infrarisk [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_InfrariskMember" xlink:to="lab_pt_InfrariskMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_InfrariskMember" xml:lang="en-US"> Infrarisk. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GanzhouMicroFinanceMember" xlink:label="loc_pt_GanzhouMicroFinanceMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GanzhouMicroFinanceMember" xml:lang="en-US"> Ganzhou Micro Finance [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_pt_GanzhouMicroFinanceMember" xml:lang="en-US"> Ganzhou Micro Finance [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_GanzhouMicroFinanceMember" xml:lang="en-US"> Ganzhou Micro Finance [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_GanzhouMicroFinanceMember" xml:lang="en-US"> Ganzhou Micro Finance </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GanzhouMicroFinanceMember" xlink:to="lab_pt_GanzhouMicroFinanceMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GanzhouMicroFinanceMember" xml:lang="en-US"> Ganzhou Micro Finance [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_QilehuiCreditInformationCoLtdMember" xlink:label="loc_pt_QilehuiCreditInformationCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_QilehuiCreditInformationCoLtdMember" xml:lang="en-US"> Qilehui Credit Information Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_QilehuiCreditInformationCoLtdMember" xml:lang="en-US"> Qilehui Credit Information Co., Ltd ("Qilehui") </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_QilehuiCreditInformationCoLtdMember" xlink:to="lab_pt_QilehuiCreditInformationCoLtdMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xml:lang="en-US"> Organization, Consolidation and Presentation of Financial Statements [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xml:lang="en-US"> Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xml:lang="en-US"> Organization and principal activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_us-gaap_AccountingPoliciesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US"> Accounting Policies [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_us-gaap_AccountingPoliciesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US"> Significant Accounting Policies [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US"> Summary of significant accounting policies </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="lab_us-gaap_SignificantAccountingPoliciesTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RisksAndUncertaintiesAbstract" xlink:label="loc_us-gaap_RisksAndUncertaintiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RisksAndUncertaintiesAbstract" xml:lang="en-US"> Risks and Uncertainties [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RisksAndUncertaintiesAbstract" xlink:to="lab_us-gaap_RisksAndUncertaintiesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:label="loc_us-gaap_ConcentrationRiskDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xml:lang="en-US"> Concentration Risk Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xml:lang="en-US"> Concentration and risks </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:to="lab_us-gaap_ConcentrationRiskDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="loc_us-gaap_BusinessCombinationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationsAbstract" xml:lang="en-US"> Business Combinations [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationsAbstract" xlink:to="lab_us-gaap_BusinessCombinationsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xml:lang="en-US"> Business Combination Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xml:lang="en-US"> Acquisitions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:to="lab_us-gaap_BusinessCombinationDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNetAbstract" xlink:label="loc_us-gaap_NotesReceivableNetAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NotesReceivableNetAbstract" xml:lang="en-US"> Financing Receivable, Net [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NotesReceivableNetAbstract" xml:lang="en-US"> Financing receivables, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableNetAbstract" xlink:to="lab_us-gaap_NotesReceivableNetAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xml:lang="en-US"> Financing Receivables [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xml:lang="en-US"> Financing receivables, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesTextBlock" xlink:to="lab_us-gaap_FinancingReceivablesTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableNetCurrentAbstract" xlink:label="loc_us-gaap_AccountsReceivableNetCurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountsReceivableNetCurrentAbstract" xml:lang="en-US"> Accounts Receivable, Net, Current [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccountsReceivableNetCurrentAbstract" xml:lang="en-US"> Accounts receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsReceivableNetCurrentAbstract" xlink:to="lab_us-gaap_AccountsReceivableNetCurrentAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xml:lang="en-US"> Loans, Notes, Trade and Other Receivables Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xml:lang="en-US"> Accounts receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrentAbstract" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrentAbstract" xml:lang="en-US"> Prepaid Expense and Other Assets, Current [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrentAbstract" xlink:to="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrentAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock" xlink:label="loc_pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock" xml:lang="en-US"> Prepaid Expenses and Other Current Assets Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock" xml:lang="en-US"> Prepayments and other current assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock" xlink:to="lab_pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaidExpensesAndOtherCurrentAssetsDisclosureTextBlock" xml:lang="en-US"> The entire disclosure for amount of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets that are expected to be realized or consumed within one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentAbstract" xml:lang="en-US"> Property, Plant and Equipment [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US"> Property, Plant and Equipment Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US"> Property, equipment and software, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermInvestmentsAbstract" xlink:label="loc_us-gaap_LongTermInvestmentsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LongTermInvestmentsAbstract" xml:lang="en-US"> Long-term Investments [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermInvestmentsAbstract" xlink:to="lab_us-gaap_LongTermInvestmentsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xml:lang="en-US"> Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xml:lang="en-US"> Long-term investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xml:lang="en-US"> Fair Value Disclosures [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xml:lang="en-US"> Fair Value Disclosures [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xml:lang="en-US"> Fair value measurement </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract" xml:lang="en-US"> Intangible Assets, Net (Excluding Goodwill) [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract" xlink:to="lab_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_IntangibleAssetsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IntangibleAssetsDisclosureTextBlock" xml:lang="en-US"> Intangible Assets Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IntangibleAssetsDisclosureTextBlock" xml:lang="en-US"> Intangible assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_IntangibleAssetsDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xml:lang="en-US"> Goodwill and Intangible Assets Disclosure [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillDisclosureTextBlock" xlink:label="loc_us-gaap_GoodwillDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillDisclosureTextBlock" xml:lang="en-US"> Goodwill Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GoodwillDisclosureTextBlock" xml:lang="en-US"> Goodwill </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillDisclosureTextBlock" xlink:to="lab_us-gaap_GoodwillDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FundingDebtsAbstract" xlink:label="loc_pt_FundingDebtsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FundingDebtsAbstract" xml:lang="en-US"> Funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FundingDebtsAbstract" xlink:to="lab_pt_FundingDebtsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FundingDebtsAbstract" xml:lang="en-US"> No definition available. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FundingDebtsDisclosureTextBlock" xlink:label="loc_pt_FundingDebtsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FundingDebtsDisclosureTextBlock" xml:lang="en-US"> Funding Debts Disclosure [ Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FundingDebtsDisclosureTextBlock" xml:lang="en-US"> Funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FundingDebtsDisclosureTextBlock" xlink:to="lab_pt_FundingDebtsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FundingDebtsDisclosureTextBlock" xml:lang="en-US"> The entire disclosure for Funding debts. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xml:lang="en-US"> Debt Disclosure [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureAbstract" xlink:to="lab_us-gaap_DebtDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BorrowingsDisclosureTextBlock" xlink:label="loc_pt_BorrowingsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BorrowingsDisclosureTextBlock" xml:lang="en-US"> Borrowings Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BorrowingsDisclosureTextBlock" xml:lang="en-US"> Borrowings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BorrowingsDisclosureTextBlock" xlink:to="lab_pt_BorrowingsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BorrowingsDisclosureTextBlock" xml:lang="en-US"> Borrowings Disclosure Text Block </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="loc_us-gaap_GuaranteesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GuaranteesAbstract" xml:lang="en-US"> Guarantees [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_GuaranteesAbstract" xml:lang="en-US"> Financial Guarantee liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteesAbstract" xlink:to="lab_us-gaap_GuaranteesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GuaranteesTextBlock" xlink:label="loc_us-gaap_GuaranteesTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GuaranteesTextBlock" xml:lang="en-US"> Guarantees [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GuaranteesTextBlock" xml:lang="en-US"> Financial guarantee liabilities and financial guarantee assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteesTextBlock" xlink:to="lab_us-gaap_GuaranteesTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConvertibleLoanAbstract" xlink:label="loc_pt_ConvertibleLoanAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConvertibleLoanAbstract" xml:lang="en-US"> Convertible Loan [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConvertibleLoanAbstract" xml:lang="en-US"> Convertible Loan [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConvertibleLoanAbstract" xlink:to="lab_pt_ConvertibleLoanAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConvertibleLoanAbstract" xml:lang="en-US"> Convertible loan abstract. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConvertibleLoanTextBlock" xlink:label="loc_pt_ConvertibleLoanTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConvertibleLoanTextBlock" xml:lang="en-US"> Convertible Loan [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConvertibleLoanTextBlock" xml:lang="en-US"> Convertible loan </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConvertibleLoanTextBlock" xlink:to="lab_pt_ConvertibleLoanTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConvertibleLoanTextBlock" xml:lang="en-US"> Convertible loan text block. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedExpensesAndOtherLiabilitiesAbstract" xlink:label="loc_pt_AccruedExpensesAndOtherLiabilitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesAbstract" xml:lang="en-US"> Accrued Expenses And Other Liabilities [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesAbstract" xml:lang="en-US"> Accrued expenses and other liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccruedExpensesAndOtherLiabilitiesAbstract" xlink:to="lab_pt_AccruedExpensesAndOtherLiabilitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccruedExpensesAndOtherLiabilitiesAbstract" xml:lang="en-US"> Accrued expenses and other current liabilities. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock" xlink:label="loc_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock" xml:lang="en-US"> Accounts Payable, Accrued Liabilities, and Other Liabilities Disclosure, Current [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock" xml:lang="en-US"> Accrued expenses and other liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock" xlink:to="lab_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncontrollingInterestAbstract" xlink:label="loc_us-gaap_NoncontrollingInterestAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoncontrollingInterestAbstract" xml:lang="en-US"> Noncontrolling Interest [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncontrollingInterestAbstract" xlink:to="lab_us-gaap_NoncontrollingInterestAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterestDisclosureTextBlock" xlink:label="loc_us-gaap_MinorityInterestDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MinorityInterestDisclosureTextBlock" xml:lang="en-US"> Noncontrolling Interest Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_MinorityInterestDisclosureTextBlock" xml:lang="en-US"> Non-controlling interests </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestDisclosureTextBlock" xlink:to="lab_us-gaap_MinorityInterestDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xml:lang="en-US"> Income Tax Disclosure [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xml:lang="en-US"> Taxation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:to="lab_us-gaap_IncomeTaxDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xml:lang="en-US"> Income Tax Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xml:lang="en-US"> Taxation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="lab_us-gaap_IncomeTaxDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xml:lang="en-US"> Disclosure of Compensation Related Costs, Share-based Payments [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xml:lang="en-US"> Disclosure of Compensation Related Costs, Share-based Payments [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xml:lang="en-US"> Share based compensation expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsAbstract" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xml:lang="en-US"> Related Party Transactions [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:to="lab_us-gaap_RelatedPartyTransactionsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:label="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xml:lang="en-US"> Related Party Transactions Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xml:lang="en-US"> Related party transactions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:to="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xml:lang="en-US"> Retirement Benefits [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:to="lab_us-gaap_CompensationAndRetirementDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:label="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xml:lang="en-US"> Pension and Other Postretirement Benefits Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xml:lang="en-US"> Defined contribution plan </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:to="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xml:lang="en-US"> Earnings Per Share [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xml:lang="en-US"> Earnings Per Share [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="loc_us-gaap_EarningsPerShareTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xml:lang="en-US"> Earnings Per Share [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xml:lang="en-US"> Loss per share </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareTextBlock" xlink:to="lab_us-gaap_EarningsPerShareTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xml:lang="en-US"> Commitments and Contingencies Disclosure [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xml:lang="en-US"> Commitments and Contingencies Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xml:lang="en-US"> Commitments and contingencies </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="loc_us-gaap_SubsequentEventsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xml:lang="en-US"> Subsequent Events [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsAbstract" xlink:to="lab_us-gaap_SubsequentEventsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventsTextBlock" xlink:label="loc_us-gaap_SubsequentEventsTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xml:lang="en-US"> Subsequent Events [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xml:lang="en-US"> Subsequent events </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsTextBlock" xlink:to="lab_us-gaap_SubsequentEventsTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xml:lang="en-US"> Condensed Financial Information Disclosure [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xml:lang="en-US"> Condensed Financial Information of Parent Company Only Disclosure [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xml:lang="en-US"> Parent company only condensed financial information </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xml:lang="en-US"> Consolidation, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xml:lang="en-US"> Principles of consolidation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:to="lab_us-gaap_ConsolidationPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xml:lang="en-US"> Basis of Accounting, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xml:lang="en-US"> Basis of presentation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:to="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="loc_us-gaap_UseOfEstimates"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_UseOfEstimates" xml:lang="en-US"> Use of Estimates, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_UseOfEstimates" xml:lang="en-US"> Use of estimates </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UseOfEstimates" xlink:to="lab_us-gaap_UseOfEstimates"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:label="loc_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xml:lang="en-US"> Foreign Currency Transactions and Translations Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xml:lang="en-US"> Foreign currency translation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:to="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConvenienceTranslationPolicyPolicyTextBlock" xlink:label="loc_pt_ConvenienceTranslationPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConvenienceTranslationPolicyPolicyTextBlock" xml:lang="en-US"> Convenience Translation, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConvenienceTranslationPolicyPolicyTextBlock" xml:lang="en-US"> Convenience translation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConvenienceTranslationPolicyPolicyTextBlock" xlink:to="lab_pt_ConvenienceTranslationPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConvenienceTranslationPolicyPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for Convenience translation report caption. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueRecognitionPolicyTextBlock" xlink:label="loc_us-gaap_RevenueRecognitionPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RevenueRecognitionPolicyTextBlock" xml:lang="en-US"> Revenue Recognition, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RevenueRecognitionPolicyTextBlock" xml:lang="en-US"> Revenue recognition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="lab_us-gaap_RevenueRecognitionPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:label="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US"> Fair Value Measurement, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US"> Fair value measurement </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongtermInvestmentsPolicyPolicyTextBlock" xlink:label="loc_pt_LongtermInvestmentsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongtermInvestmentsPolicyPolicyTextBlock" xml:lang="en-US"> Long-Term Investments, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LongtermInvestmentsPolicyPolicyTextBlock" xml:lang="en-US"> Long-term investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongtermInvestmentsPolicyPolicyTextBlock" xlink:to="lab_pt_LongtermInvestmentsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongtermInvestmentsPolicyPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for longterm investments. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradeAndOtherAccountsReceivablePolicy" xlink:label="loc_us-gaap_TradeAndOtherAccountsReceivablePolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TradeAndOtherAccountsReceivablePolicy" xml:lang="en-US"> Trade and Other Accounts Receivable, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_TradeAndOtherAccountsReceivablePolicy" xml:lang="en-US"> Accounts receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradeAndOtherAccountsReceivablePolicy" xlink:to="lab_us-gaap_TradeAndOtherAccountsReceivablePolicy"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xml:lang="en-US"> Finance, Loans and Leases Receivable, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xml:lang="en-US"> Financing receivables, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FundingCostPolicyPolicyTextBlock" xlink:label="loc_pt_FundingCostPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FundingCostPolicyPolicyTextBlock" xml:lang="en-US"> Funding Cost, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FundingCostPolicyPolicyTextBlock" xml:lang="en-US"> Funding cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FundingCostPolicyPolicyTextBlock" xlink:to="lab_pt_FundingCostPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FundingCostPolicyPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for funding cost. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xml:lang="en-US"> New Accounting Pronouncements, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xml:lang="en-US"> Recently issued accounting pronouncements </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_StatutoryReservesPolicyTextBlock" xlink:label="loc_pt_StatutoryReservesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_StatutoryReservesPolicyTextBlock" xml:lang="en-US"> Statutory Reserves [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_StatutoryReservesPolicyTextBlock" xml:lang="en-US"> Statutory reserves </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_StatutoryReservesPolicyTextBlock" xlink:to="lab_pt_StatutoryReservesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_StatutoryReservesPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for statutory reserves. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:label="loc_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xml:lang="en-US"> Comprehensive Income, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xml:lang="en-US"> Comprehensive income/(loss) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:to="lab_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeLeasesPolicyTextBlock" xlink:label="loc_us-gaap_LesseeLeasesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LesseeLeasesPolicyTextBlock" xml:lang="en-US"> Lessee, Leases [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LesseeLeasesPolicyTextBlock" xml:lang="en-US"> Leases </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeLeasesPolicyTextBlock" xlink:to="lab_us-gaap_LesseeLeasesPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xml:lang="en-US"> Income Tax, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xml:lang="en-US"> Taxation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="lab_us-gaap_IncomeTaxPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationsPolicy" xlink:label="loc_us-gaap_BusinessCombinationsPolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationsPolicy" xml:lang="en-US"> Business Combinations Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessCombinationsPolicy" xml:lang="en-US"> Business combination </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationsPolicy" xlink:to="lab_us-gaap_BusinessCombinationsPolicy"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RestrictedCashPolicyTextBlock" xlink:label="loc_pt_RestrictedCashPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RestrictedCashPolicyTextBlock" xml:lang="en-US"> Restricted Cash Policy [Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_RestrictedCashPolicyTextBlock" xml:lang="en-US"> Restricted cash </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RestrictedCashPolicyTextBlock" xlink:to="lab_pt_RestrictedCashPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RestrictedCashPolicyTextBlock" xml:lang="en-US"> Restricted cash policy. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResearchAndDevelopmentExpensePolicy" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpensePolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpensePolicy" xml:lang="en-US"> Research and Development Expense, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ResearchAndDevelopmentExpensePolicy" xml:lang="en-US"> Research and development expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ResearchAndDevelopmentExpensePolicy" xlink:to="lab_us-gaap_ResearchAndDevelopmentExpensePolicy"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock" xlink:label="loc_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock" xml:lang="en-US"> Impairment or Disposal of Long-Lived Assets, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock" xml:lang="en-US"> Impairment of long-lived assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock" xlink:to="lab_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:label="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xml:lang="en-US"> Segment Reporting, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xml:lang="en-US"> Segment reporting </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:to="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RelatedPartiesPolicyTextBlock" xlink:label="loc_pt_RelatedPartiesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RelatedPartiesPolicyTextBlock" xml:lang="en-US"> Related Parties [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_RelatedPartiesPolicyTextBlock" xml:lang="en-US"> Related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RelatedPartiesPolicyTextBlock" xlink:to="lab_pt_RelatedPartiesPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RelatedPartiesPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for related parties. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="loc_us-gaap_EarningsPerSharePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xml:lang="en-US"> Earnings Per Share, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xml:lang="en-US"> Loss per share </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="lab_us-gaap_EarningsPerSharePolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:label="loc_us-gaap_IntangibleAssetsFiniteLivedPolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy" xml:lang="en-US"> Intangible Assets, Finite-Lived, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy" xml:lang="en-US"> Intangible assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:to="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OriginationAndServicingCostPolicyPolicyTextBlock" xlink:label="loc_pt_OriginationAndServicingCostPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OriginationAndServicingCostPolicyPolicyTextBlock" xml:lang="en-US"> Origination and Servicing Cost, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OriginationAndServicingCostPolicyPolicyTextBlock" xml:lang="en-US"> Origination and servicing cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OriginationAndServicingCostPolicyPolicyTextBlock" xlink:to="lab_pt_OriginationAndServicingCostPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OriginationAndServicingCostPolicyPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for origination and servicing cost. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:label="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xml:lang="en-US"> Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xml:lang="en-US"> Share-based compensation expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:to="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xml:lang="en-US"> Cash and Cash Equivalents, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xml:lang="en-US"> Cash and cash equivalents </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FundingDebtsPolicyPolicyTextBlock" xlink:label="loc_pt_FundingDebtsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FundingDebtsPolicyPolicyTextBlock" xml:lang="en-US"> Funding Debts, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FundingDebtsPolicyPolicyTextBlock" xml:lang="en-US"> Funding Debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FundingDebtsPolicyPolicyTextBlock" xlink:to="lab_pt_FundingDebtsPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FundingDebtsPolicyPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for funding debts. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancialGuaranteePolicyTextBlock" xlink:label="loc_pt_FinancialGuaranteePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancialGuaranteePolicyTextBlock" xml:lang="en-US"> Financial Guarantee [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FinancialGuaranteePolicyTextBlock" xml:lang="en-US"> Financial Guarantee </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancialGuaranteePolicyTextBlock" xlink:to="lab_pt_FinancialGuaranteePolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancialGuaranteePolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for financial guarantee. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US"> Property, Plant and Equipment, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US"> Property, equipment and software, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xml:lang="en-US"> Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xml:lang="en-US"> Goodwill </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProvisionForCreditLossPolicyPolicyTextBlock" xlink:label="loc_pt_ProvisionForCreditLossPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProvisionForCreditLossPolicyPolicyTextBlock" xml:lang="en-US"> Provision for Credit Loss, Policy [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProvisionForCreditLossPolicyPolicyTextBlock" xml:lang="en-US"> Provision for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProvisionForCreditLossPolicyPolicyTextBlock" xlink:to="lab_pt_ProvisionForCreditLossPolicyPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProvisionForCreditLossPolicyPolicyTextBlock" xml:lang="en-US"> Disclosure of accounting policy for provision for credit loss. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OutofperiodCorrectionsPolicyTextBlock" xlink:label="loc_pt_OutofperiodCorrectionsPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OutofperiodCorrectionsPolicyTextBlock" xml:lang="en-US"> Out of period corrections [Policy Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OutofperiodCorrectionsPolicyTextBlock" xml:lang="en-US"> Out-of-period corrections </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OutofperiodCorrectionsPolicyTextBlock" xlink:to="lab_pt_OutofperiodCorrectionsPolicyTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OutofperiodCorrectionsPolicyTextBlock" xml:lang="en-US"> Out-of-period corrections Policy Text Block. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock" xlink:label="loc_pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock" xml:lang="en-US"> Schedule of Expenses Allocated from Holding Company [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock" xml:lang="en-US"> Schedule of expenses allocated from Jimu Parent </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock" xlink:to="lab_pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfExpensesAllocatedFromHoldingCompanyTableTextBlock" xml:lang="en-US"> A tabular presentation of the information summarizing information of expenses allocated from Jimu Parent. It reflects specified information about date of incorporation, place of incorporation and percentage of ownership in such entities. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xml:lang="en-US"> Schedule of Variable Interest Entities [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xml:lang="en-US"> Schedule of consolidated financial information of the VIEs directly attributable to the predecessor operations were included in Group's consolidated financial statements </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:to="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock" xlink:label="loc_pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock" xml:lang="en-US"> Schedule of Ownership Structure of Subsidiaries and VIEs [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock" xml:lang="en-US"> Schedule of ownership structure of the subsidiaries and VIEs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock" xlink:to="lab_pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfOwnershipStructureOfSubsidiariesAndViesTableTextBlock" xml:lang="en-US"> A tabular presentation of the information summarizing information of ownership structure of the subsidiaries and VIEs. It reflects specified information about date of incorporation, place of incorporation and percentage of ownership in such entities. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock" xml:lang="en-US"> Schedule of Acquired Finite-Lived Intangible Assets by Major Class [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock" xml:lang="en-US"> Schedule of Acquired Finite-Lived Intangible Assets by Major Class </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock" xlink:to="lab_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock" xlink:label="loc_pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock" xml:lang="en-US"> Schedule Of Estimated Useful Lives Of Property, Equipment and Software, Net [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock" xml:lang="en-US"> Schedule of estimated useful lives of property, equipment and software, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock" xlink:to="lab_pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfEstimatedUsefulLivesOfPropertyEquipmentAndSoftwareNetTableTextBlock" xml:lang="en-US"> Tabular disclosure of estimated useful lives of property, equipment and software, net. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xml:lang="en-US"> Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xml:lang="en-US"> Schedule of allocation of the purchase price </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancingReceivablesTableTextBlock" xlink:label="loc_pt_FinancingReceivablesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancingReceivablesTableTextBlock" xml:lang="en-US"> Financing Receivables [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FinancingReceivablesTableTextBlock" xml:lang="en-US"> Schedule of financing receivables, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancingReceivablesTableTextBlock" xlink:to="lab_pt_FinancingReceivablesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancingReceivablesTableTextBlock" xml:lang="en-US"> Tabular disclosure of financing receivables. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xml:lang="en-US"> Schedule of Financing Receivables, Non Accrual Status [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xml:lang="en-US"> Schedule of aging analysis of past due financing receivables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock" xlink:label="loc_pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock" xml:lang="en-US"> Schedule of Financing Receivables by Due Date [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock" xml:lang="en-US"> Schedule of balances of financing receivables by due date </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock" xlink:to="lab_pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfFinancingReceivablesByDueDateTableTextBlock" xml:lang="en-US"> Tabular disclosure of the due dates for financing receivables. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesNoncurrentTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesNoncurrentTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesNoncurrentTableTextBlock" xml:lang="en-US"> Financing Receivable, Noncurrent, Allowance for Credit Loss [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesNoncurrentTableTextBlock" xml:lang="en-US"> Schedule of movement of the allowance for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesNoncurrentTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesNoncurrentTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xml:lang="en-US"> Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xml:lang="en-US"> Schedule of accounts receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xml:lang="en-US"> Schedule of Credit Losses for Financing Receivables, Current [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xml:lang="en-US"> Schedule of movement of allowance for doubtful accounts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xml:lang="en-US"> Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xml:lang="en-US"> Schedule of prepayments and other current assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xml:lang="en-US"> Property, Plant and Equipment [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xml:lang="en-US"> Schedule of property, equipment and software, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_Investment" xlink:label="loc_pt_Investment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_Investment" xml:lang="en-US"> Investment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_Investment" xml:lang="en-US"> Schedule of changes in long-term investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_Investment" xlink:to="lab_pt_Investment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_Investment" xml:lang="en-US"> Investment table text block. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xml:lang="en-US"> Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xml:lang="en-US"> Schedule of assets and liabilities that are measured and recorded at fair value on a recurring basis </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xml:lang="en-US"> Schedule of Finite-Lived Intangible Assets [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xml:lang="en-US"> Schedule of Intangible assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfOutstandingFundingDebtsTableTextBlock" xlink:label="loc_pt_ScheduleOfOutstandingFundingDebtsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfOutstandingFundingDebtsTableTextBlock" xml:lang="en-US"> Schedule of Outstanding Funding Debts [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfOutstandingFundingDebtsTableTextBlock" xml:lang="en-US"> Schedule of outstanding funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfOutstandingFundingDebtsTableTextBlock" xlink:to="lab_pt_ScheduleOfOutstandingFundingDebtsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfOutstandingFundingDebtsTableTextBlock" xml:lang="en-US"> Tabular disclosure of outstanding funding debts. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfDebtTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xml:lang="en-US"> Schedule of Debt [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xml:lang="en-US"> Summary of Borrowings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDebtTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:label="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xml:lang="en-US"> Schedule of Guarantor Obligations [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xml:lang="en-US"> Schedule of guarantee liability movement activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:to="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfGuaranteeAssetsTableTextBlock" xlink:label="loc_pt_ScheduleOfGuaranteeAssetsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsTableTextBlock" xml:lang="en-US"> Schedule Of Guarantee Assets [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsTableTextBlock" xml:lang="en-US"> Schedule of guarantee assets movement activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfGuaranteeAssetsTableTextBlock" xlink:to="lab_pt_ScheduleOfGuaranteeAssetsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsTableTextBlock" xml:lang="en-US"> Schedule Of Guarantee Assets </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock" xlink:label="loc_pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock" xml:lang="en-US"> Schedule Of Guarantee Assets Allowance For Credit Loss [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock" xml:lang="en-US"> Schedule of guarantee assets allowance for credit loss movement activities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock" xlink:to="lab_pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsAllowanceForCreditLossTableTextBlock" xml:lang="en-US"> Tabular disclosure of allowance for credit loss on each guarantee asset, or each group of similar guarantee assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock" xlink:label="loc_pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock" xml:lang="en-US"> Schedule of Accrued Expenses and Other Liabilities Current [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock" xml:lang="en-US"> Schedule of accrued expenses and other liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock" xlink:to="lab_pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfAccruedExpensesAndOtherLiabilitiesCurrentTableTextBlock" xml:lang="en-US"> The tabular disclosure of information pertaining to accrued expenses and other current liabilities. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_IncomeTaxDisclosureTable" xlink:label="loc_pt_IncomeTaxDisclosureTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_IncomeTaxDisclosureTable" xml:lang="en-US"> Income Tax Disclosure [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_IncomeTaxDisclosureTable" xlink:to="lab_pt_IncomeTaxDisclosureTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_IncomeTaxDisclosureTable" xml:lang="en-US"> Disclosures pertaining to income taxes. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_IncomeTaxDisclosureLineItems" xlink:label="loc_pt_IncomeTaxDisclosureLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_IncomeTaxDisclosureLineItems" xml:lang="en-US"> Income Tax Disclosure [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_IncomeTaxDisclosureLineItems" xml:lang="en-US"> Taxation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_IncomeTaxDisclosureLineItems" xlink:to="lab_pt_IncomeTaxDisclosureLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_IncomeTaxDisclosureLineItems" xml:lang="en-US"> Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SummaryOfOperatingLossCarryforwardsTextBlock" xlink:label="loc_us-gaap_SummaryOfOperatingLossCarryforwardsTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SummaryOfOperatingLossCarryforwardsTextBlock" xml:lang="en-US"> Summary of Operating Loss Carryforwards [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SummaryOfOperatingLossCarryforwardsTextBlock" xml:lang="en-US"> Summary of Net Operating Loss Carryforwards </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SummaryOfOperatingLossCarryforwardsTextBlock" xlink:to="lab_us-gaap_SummaryOfOperatingLossCarryforwardsTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US"> Schedule of Effective Income Tax Rate Reconciliation [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US"> Schedule of reconciliation between the statutory EIT rate and the effective tax rates </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xml:lang="en-US"> Schedule of Components of Income Tax Expense (Benefit) [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xml:lang="en-US"> Schedule of current and deferred portion of income tax (benefit)/expense of the Company's China subsidiaries, VIEs, and subsidiaries of the VIEs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US"> Schedule of Deferred Tax Assets and Liabilities [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US"> Schedule of components of the deferred tax assets and deferred tax liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SummaryOfValuationAllowanceTextBlock" xlink:label="loc_us-gaap_SummaryOfValuationAllowanceTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SummaryOfValuationAllowanceTextBlock" xml:lang="en-US"> Summary of Valuation Allowance [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SummaryOfValuationAllowanceTextBlock" xml:lang="en-US"> Schedule of changes in valuation allowance </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SummaryOfValuationAllowanceTextBlock" xlink:to="lab_us-gaap_SummaryOfValuationAllowanceTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_StatementGeographicalAxis" xlink:label="loc_srt_StatementGeographicalAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_StatementGeographicalAxis" xml:lang="en-US"> Geographical [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_StatementGeographicalAxis" xml:lang="en-US"> Geographical [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementGeographicalAxis" xlink:to="lab_srt_StatementGeographicalAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_SegmentGeographicalDomain" xlink:label="loc_srt_SegmentGeographicalDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_SegmentGeographicalDomain" xml:lang="en-US"> Geographical [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_SegmentGeographicalDomain" xml:lang="en-US"> Geographical [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SegmentGeographicalDomain" xlink:to="lab_srt_SegmentGeographicalDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_AU" xlink:label="loc_country_AU"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_country_AU" xml:lang="en-US"> AUSTRALIA </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_country_AU" xml:lang="en-US"> Australia </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_AU" xlink:to="lab_country_AU"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xml:lang="en-US"> Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_LegalEntityAxis" xml:lang="en-US"> Legal Entity [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_dei_LegalEntityAxis" xml:lang="en-US"> Legal Entity [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LegalEntityAxis" xlink:to="lab_dei_LegalEntityAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityDomain" xml:lang="en-US"> Entity [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_dei_EntityDomain" xml:lang="en-US"> Entity [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityDomain" xlink:to="lab_dei_EntityDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" xlink:label="loc_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" xml:lang="en-US"> Jimu Holdings Limited Formerly Known As Pintec Holdings Limited [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" xml:lang="en-US"> Jimu Parent </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" xlink:to="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" xml:lang="en-US"> Represents the information pertaining to Jimu Holdings Limited (the "Parent Company" or "Jimu Parent" formerly known as Pintec Holdings Limited). </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US"> Share based compensation expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US"> Share-based Compensation, Stock Options, Activity [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US"> Schedule of activities of the service-based share options granted to the employees of the predecessor operations of Pintec Business </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xml:lang="en-US"> Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xml:lang="en-US"> Schedule of estimated fair value of each option grant </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:label="loc_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xml:lang="en-US"> Nonvested Restricted Stock Shares Activity [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xml:lang="en-US"> Schedule of activities of the total restricted ordinary shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:to="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xml:lang="en-US"> Schedule of Related Party Transactions [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xml:lang="en-US"> Schedule of transactions with related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock" xlink:label="loc_pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock" xml:lang="en-US"> Schedule of Related Party Transactions, Major Related Parties and Relationships [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock" xml:lang="en-US"> Schedule of major related parties and their relationships with the Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock" xlink:to="lab_pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfRelatedPartyTransactionsMajorRelatedPartiesAndRelationshipsTableTextBlock" xml:lang="en-US"> Represents tabular disclosure of the major related parties and their relationships with the Group. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock" xlink:label="loc_pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock" xml:lang="en-US"> Schedule of Related Party Transactions, Balances with Related Parties [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock" xml:lang="en-US"> Schedule of balances with the major related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock" xlink:to="lab_pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfRelatedPartyTransactionsBalancesWithRelatedPartiesTableTextBlock" xml:lang="en-US"> Represents tabular disclosure of balances with the major related parties. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock" xlink:label="loc_pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock" xml:lang="en-US"> Allowance For Credit Losses On Due From Related Parties [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock" xml:lang="en-US"> Summary Of Movement Of Allowance For Credit Losses On Amounts Due From Related Parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock" xlink:to="lab_pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AllowanceForCreditLossesOnDueFromRelatedPartiesTableTextBlock" xml:lang="en-US"> Tabular disclosure of allowance for credit loss on receivables to be collected from related parties. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xml:lang="en-US"> Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xml:lang="en-US"> Schedule of basic and diluted (loss)/earnings per ordinary share </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xml:lang="en-US"> Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xml:lang="en-US"> Schedule of future minimum lease payments under these non-cancellable leases </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xml:lang="en-US"> Condensed Cash Flow Statement [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xml:lang="en-US"> Condensed statements of cash flows of parent company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xml:lang="en-US"> Condensed Balance Sheet [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xml:lang="en-US"> Condensed balance sheets of parent company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:label="loc_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xml:lang="en-US"> Condensed Statement of Comprehensive Income [Table Text Block] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xml:lang="en-US"> Condensed statements of operations and comprehensive loss of parent company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:to="lab_srt_CondensedStatementOfComprehensiveIncomeTableTextBlock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable" xlink:label="loc_us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable" xml:lang="en-US"> Schedule of Collaborative Arrangements and Non-collaborative Arrangement Transactions [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable" xlink:to="lab_us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CollaborativeArrangementsAndNoncollaborativeArrangementTransactionsLineItems" xlink:label="loc_us-gaap_CollaborativeArrangementsAndNoncollaborativeArrangementTransactionsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CollaborativeArrangementsAndNoncollaborativeArrangementTransactionsLineItems" xml:lang="en-US"> Collaborative Arrangements and Non-collaborative Arrangement Transactions [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollaborativeArrangementsAndNoncollaborativeArrangementTransactionsLineItems" xlink:to="lab_us-gaap_CollaborativeArrangementsAndNoncollaborativeArrangementTransactionsLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TermOfTheAgreements" xlink:label="loc_pt_TermOfTheAgreements"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TermOfTheAgreements" xml:lang="en-US"> Term Of The Agreements </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TermOfTheAgreements" xml:lang="en-US"> Term of the agreements </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TermOfTheAgreements" xlink:to="lab_pt_TermOfTheAgreements"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_TermOfTheAgreements" xml:lang="en-US"> Term of the agreements. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xml:lang="en-US"> Options expiration period </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_VariableInterestEntitiesByClassificationsOfEntityAxis" xlink:label="loc_pt_VariableInterestEntitiesByClassificationsOfEntityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_VariableInterestEntitiesByClassificationsOfEntityAxis" xml:lang="en-US"> Variable Interest Entities By Classifications Of Entity [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_VariableInterestEntitiesByClassificationsOfEntityAxis" xlink:to="lab_pt_VariableInterestEntitiesByClassificationsOfEntityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_VariableInterestEntitiesByClassificationsOfEntityAxis" xml:lang="en-US"> Variable Interest Entities By Classifications Of Entity. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_VariableInterestEntitiesByClassificationOfEntityDomain" xlink:label="loc_pt_VariableInterestEntitiesByClassificationOfEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_VariableInterestEntitiesByClassificationOfEntityDomain" xml:lang="en-US"> Variable Interest Entities By Classification Of Entity [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_VariableInterestEntitiesByClassificationOfEntityDomain" xlink:to="lab_pt_VariableInterestEntitiesByClassificationOfEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_VariableInterestEntitiesByClassificationOfEntityDomain" xml:lang="en-US"> Variable Interest Entities By Classification Of Entity. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_OwnershipAxis" xlink:label="loc_srt_OwnershipAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_OwnershipAxis" xml:lang="en-US"> Ownership [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_OwnershipAxis" xml:lang="en-US"> Ownership [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_OwnershipAxis" xlink:to="lab_srt_OwnershipAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_OwnershipDomain" xlink:label="loc_srt_OwnershipDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_OwnershipDomain" xml:lang="en-US"> Ownership [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_OwnershipDomain" xml:lang="en-US"> Ownership [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_OwnershipDomain" xlink:to="lab_srt_OwnershipDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TypeOfArrangementAxis" xlink:label="loc_us-gaap_TypeOfArrangementAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TypeOfArrangementAxis" xml:lang="en-US"> Type of Arrangement and Non-arrangement Transactions [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TypeOfArrangementAxis" xlink:to="lab_us-gaap_TypeOfArrangementAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ArrangementsAndNonarrangementTransactionsMember" xlink:label="loc_us-gaap_ArrangementsAndNonarrangementTransactionsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ArrangementsAndNonarrangementTransactionsMember" xml:lang="en-US"> Arrangements and Non-arrangement Transactions [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ArrangementsAndNonarrangementTransactionsMember" xlink:to="lab_us-gaap_ArrangementsAndNonarrangementTransactionsMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ExclusiveBusinessCooperationAgreementsMember" xlink:label="loc_pt_ExclusiveBusinessCooperationAgreementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ExclusiveBusinessCooperationAgreementsMember" xml:lang="en-US"> Exclusive Business Cooperation Agreements [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ExclusiveBusinessCooperationAgreementsMember" xlink:to="lab_pt_ExclusiveBusinessCooperationAgreementsMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ExclusiveOptionAgreementsMember" xlink:label="loc_pt_ExclusiveOptionAgreementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ExclusiveOptionAgreementsMember" xml:lang="en-US"> Exclusive Option Agreements [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ExclusiveOptionAgreementsMember" xlink:to="lab_pt_ExclusiveOptionAgreementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ExclusiveOptionAgreementsMember" xml:lang="en-US"> Represents the information pertaining to exclusive option agreements with VIEs.. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfInvestmentsTable" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfInvestmentsTable" xml:lang="en-US"> Schedule of Investments [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable" xlink:to="lab_us-gaap_ScheduleOfInvestmentsTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfInvestmentsLineItems" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfInvestmentsLineItems" xml:lang="en-US"> Schedule of Investments [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ScheduleOfInvestmentsLineItems" xml:lang="en-US"> Establishment of Pintec, its subsidiaries and VIEs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems" xlink:to="lab_us-gaap_ScheduleOfInvestmentsLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByParent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MinorityInterestOwnershipPercentageByParent" xml:lang="en-US"> Noncontrolling Interest, Ownership Percentage by Parent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_MinorityInterestOwnershipPercentageByParent" xml:lang="en-US"> Percentage of direct or indirect economic interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_MinorityInterestOwnershipPercentageByParent" xml:lang="en-US"> Noncontrolling Interest, Ownership Percentage by Parent </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:to="lab_us-gaap_MinorityInterestOwnershipPercentageByParent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityOwnershipPercentage" xlink:label="loc_us-gaap_VariableInterestEntityOwnershipPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xml:lang="en-US"> Variable Interest Entity, Qualitative or Quantitative Information, Ownership Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xml:lang="en-US"> Percentage of direct or indirect economic interest </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:to="lab_us-gaap_VariableInterestEntityOwnershipPercentage"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PintecBeijingTechnologyCo.LtdMember" xlink:label="loc_pt_PintecBeijingTechnologyCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PintecBeijingTechnologyCo.LtdMember" xml:lang="en-US"> Pintec Beijing Technology Co. Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PintecBeijingTechnologyCo.LtdMember" xml:lang="en-US"> Pintec (Beijing) Technology Co., Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PintecBeijingTechnologyCo.LtdMember" xlink:to="lab_pt_PintecBeijingTechnologyCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PintecBeijingTechnologyCo.LtdMember" xml:lang="en-US"> Represents the information pertaining to Pintec (Beijing) Technology Co., Ltd ("Pintec Beijing WFOE"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member" xlink:label="loc_pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member" xml:lang="en-US"> Anxunying Tianjin Commercial Factoring Co. Ltd. [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member" xml:lang="en-US"> Anxunying (Tianjin) Commercial Factoring Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member" xlink:to="lab_pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AnxunyingTianjinCommercialFactoringCo.Ltd.Member" xml:lang="en-US"> Represents the information pertaining to, "Anxunying (Tianjin) Commercial Factoring Co., Ltd. ("Anxunying Tianjin")". </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SkyCityBeijingTechnologyCo.Ltd.Member" xlink:label="loc_pt_SkyCityBeijingTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SkyCityBeijingTechnologyCo.Ltd.Member" xml:lang="en-US"> Sky City Beijing Technology Co. Ltd. [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_SkyCityBeijingTechnologyCo.Ltd.Member" xml:lang="en-US"> Sky City (Beijing) Technology Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SkyCityBeijingTechnologyCo.Ltd.Member" xlink:to="lab_pt_SkyCityBeijingTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SkyCityBeijingTechnologyCo.Ltd.Member" xml:lang="en-US"> Represents the information pertaining to Sky City (Beijing) Technology Co., Ltd. ("Sky City WFOE"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WagepayPtyLtdMember" xlink:label="loc_pt_WagepayPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WagepayPtyLtdMember" xml:lang="en-US"> Wagepay Pty Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WagepayPtyLtdMember" xlink:to="lab_pt_WagepayPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WagepayPtyLtdMember" xml:lang="en-US"> Wagepay pty ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_JankoLoansPtyLtdMember" xlink:label="loc_pt_JankoLoansPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_JankoLoansPtyLtdMember" xml:lang="en-US"> Janko Loans Pty Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_JankoLoansPtyLtdMember" xlink:to="lab_pt_JankoLoansPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_JankoLoansPtyLtdMember" xml:lang="en-US"> Janko loans pty ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShanghaiAnquyingTechnologyCo.Ltd.Member" xlink:label="loc_pt_ShanghaiAnquyingTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShanghaiAnquyingTechnologyCo.Ltd.Member" xml:lang="en-US"> Shanghai Anquying Technology Co. Ltd. [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShanghaiAnquyingTechnologyCo.Ltd.Member" xml:lang="en-US"> Shanghai Anquying Technology Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShanghaiAnquyingTechnologyCo.Ltd.Member" xlink:to="lab_pt_ShanghaiAnquyingTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShanghaiAnquyingTechnologyCo.Ltd.Member" xml:lang="en-US"> Represents the information pertaining to Shanghai Anquying Technology Co., Ltd. ("Shanghai Anquying"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AnquyingTianjinTechnologyCo.Ltd.Member" xlink:label="loc_pt_AnquyingTianjinTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AnquyingTianjinTechnologyCo.Ltd.Member" xml:lang="en-US"> Anquying Tianjin Technology Co. Ltd. [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AnquyingTianjinTechnologyCo.Ltd.Member" xml:lang="en-US"> Anquying (Tianjin) Technology Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AnquyingTianjinTechnologyCo.Ltd.Member" xlink:to="lab_pt_AnquyingTianjinTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AnquyingTianjinTechnologyCo.Ltd.Member" xml:lang="en-US"> Represents the information pertaining to Anquying (Tianjin) Technology Co., Ltd. ("Tianjin Anquying"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_MyfinInsuranceBrokerCo.LtdMember" xlink:label="loc_pt_MyfinInsuranceBrokerCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_MyfinInsuranceBrokerCo.LtdMember" xml:lang="en-US"> Myfin Insurance Broker Co. Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_MyfinInsuranceBrokerCo.LtdMember" xml:lang="en-US"> Myfin Insurance Broker Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_MyfinInsuranceBrokerCo.LtdMember" xlink:to="lab_pt_MyfinInsuranceBrokerCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_MyfinInsuranceBrokerCo.LtdMember" xml:lang="en-US"> Represents the information pertaining to Myfin Insurance Broker Co., Ltd ("Myfin Insurance"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember" xlink:label="loc_pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember" xml:lang="en-US"> Pintec Jinke Beijing Technology Information Co. Ltd. Formerly Known As Hezi Beijing Consultants Co. Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember" xml:lang="en-US"> Pintec Jinke (Beijing) Technology Information Co., Ltd., (formerly known as Hezi (Beijing) Consultants Co., Ltd) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember" xlink:to="lab_pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PintecJinkeBeijingTechnologyInformationCo.Ltd.FormerlyKnownAsHeziBeijingConsultantsCo.LtdMember" xml:lang="en-US"> Pintec Jinke (Beijing) Technology Information Co., Ltd., (formerly known Represents the information pertaining to as Hezi (Beijing) Consultants Co., Ltd) ("Beijing Jinke"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member" xlink:label="loc_pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member" xml:lang="en-US"> Xuanji Intelligence Beijing Technology Co. Ltd. [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member" xml:lang="en-US"> Xuanji Intelligence (Beijing) Technology Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member" xlink:to="lab_pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_XuanjiIntelligenceBeijingTechnologyCo.Ltd.Member" xml:lang="en-US"> Represents the information pertaining to Xuanji Intelligence (Beijing) Technology Co., Ltd. ("Beijing Xuanji"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeijingHongdianFundDistributorCoLtdMember" xlink:label="loc_pt_BeijingHongdianFundDistributorCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeijingHongdianFundDistributorCoLtdMember" xml:lang="en-US"> Beijing Hongdian Fund Distributor Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BeijingHongdianFundDistributorCoLtdMember" xml:lang="en-US"> Beijing Hongdian Fund Distributor Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeijingHongdianFundDistributorCoLtdMember" xlink:to="lab_pt_BeijingHongdianFundDistributorCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BeijingHongdianFundDistributorCoLtdMember" xml:lang="en-US"> Represents information pertaining to Beijing Hongdian Fund Distributor Co., Ltd. ("Beijing Hongdian"). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember" xlink:label="loc_pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember" xml:lang="en-US"> Shenzhen Qianhai Minheng Commercial Factoring Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember" xml:lang="en-US"> Shenzhen Qianhai Minheng Commercial Factoring Co., Ltd. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember" xlink:to="lab_pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShenzhenQianhaiMinhengCommercialFactoringCoLtdMember" xml:lang="en-US"> Represents the information pertaining to Shenzhen Qianhai Minheng Commercial Factoring Co., Ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeijingXinshundingyeTechnologyCoLtdMember" xlink:label="loc_pt_BeijingXinshundingyeTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeijingXinshundingyeTechnologyCoLtdMember" xml:lang="en-US"> Beijing Xinshun Dingye Technology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BeijingXinshundingyeTechnologyCoLtdMember" xml:lang="en-US"> Beijing Xinshun Dingye Technology Co Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeijingXinshundingyeTechnologyCoLtdMember" xlink:to="lab_pt_BeijingXinshundingyeTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BeijingXinshundingyeTechnologyCoLtdMember" xml:lang="en-US"> Beijing Xinshun Dingye Technology Co., Ltd [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AnquyuntianjinTechnologyCoLtdMember" xlink:label="loc_pt_AnquyuntianjinTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AnquyuntianjinTechnologyCoLtdMember" xml:lang="en-US"> Anquyun Tianjin Technology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AnquyuntianjinTechnologyCoLtdMember" xml:lang="en-US"> Anquyun Tianjin Technology Co Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AnquyuntianjinTechnologyCoLtdMember" xlink:to="lab_pt_AnquyuntianjinTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AnquyuntianjinTechnologyCoLtdMember" xml:lang="en-US"> Anquyun (Tianjin) Technology Co., Ltd [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PintecYunkeganzhouTechnologyInformationCoLtdMember" xlink:label="loc_pt_PintecYunkeganzhouTechnologyInformationCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PintecYunkeganzhouTechnologyInformationCoLtdMember" xml:lang="en-US"> Pintec Yunke Ganzhou Technology Information Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PintecYunkeganzhouTechnologyInformationCoLtdMember" xml:lang="en-US"> Pintec Yunke Ganzhou Technology Information Co Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PintecYunkeganzhouTechnologyInformationCoLtdMember" xlink:to="lab_pt_PintecYunkeganzhouTechnologyInformationCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PintecYunkeganzhouTechnologyInformationCoLtdMember" xml:lang="en-US"> Pintec Yunke (Ganzhou) Technology Information Co., Ltd [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GanzhouJimuMicroFinanceCoLtdMember" xlink:label="loc_pt_GanzhouJimuMicroFinanceCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GanzhouJimuMicroFinanceCoLtdMember" xml:lang="en-US"> Ganzhou Jimu Micro Finance Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_GanzhouJimuMicroFinanceCoLtdMember" xml:lang="en-US"> Ganzhou Aixin Network Micro Finance Co., Ltd ("Ganzhou Aixin Micro Finance", formerly known as Ganzhou Jimu Micro Finance Co., Ltd) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GanzhouJimuMicroFinanceCoLtdMember" xlink:to="lab_pt_GanzhouJimuMicroFinanceCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GanzhouJimuMicroFinanceCoLtdMember" xml:lang="en-US"> Ganzhou Jimu Micro Finance Co., Ltd. [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember" xlink:label="loc_pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember" xml:lang="en-US"> Ganzhou Dumiao Intelligence Technology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember" xml:lang="en-US"> Ganzhou Dumiao Intelligence Technology Co., Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember" xlink:to="lab_pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GanzhouDumiaoIntelligenceTechnologyCoLtdMember" xml:lang="en-US"> Ganzhou Dumiao Intelligence Technology Co., Ltd [Member] </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xml:lang="en-US"> Schedule of Variable Interest Entities [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:to="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityLineItems" xlink:label="loc_us-gaap_VariableInterestEntityLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_VariableInterestEntityLineItems" xml:lang="en-US"> Variable Interest Entity [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityLineItems" xlink:to="lab_us-gaap_VariableInterestEntityLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NumberOfContractualArrangement" xlink:label="loc_pt_NumberOfContractualArrangement"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NumberOfContractualArrangement" xml:lang="en-US"> Number of Contractual Arrangement </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_NumberOfContractualArrangement" xml:lang="en-US"> Contractual arrangement that could require the relevant PRC subsidiaries </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NumberOfContractualArrangement" xlink:to="lab_pt_NumberOfContractualArrangement"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NumberOfContractualArrangement" xml:lang="en-US"> Represents number of contractual arrangement that could require the relevant PRC subsidiaries or the Group to provide additional financial support to the Group's VIEs and VIEs' subsidiaries. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CollateralizedAssetsOfViesAndViesSubsidiaries" xlink:label="loc_pt_CollateralizedAssetsOfViesAndViesSubsidiaries"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CollateralizedAssetsOfViesAndViesSubsidiaries" xml:lang="en-US"> Collateralized Assets of VIEs and VIEs Subsidiaries </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_CollateralizedAssetsOfViesAndViesSubsidiaries" xml:lang="en-US"> Assets of the VIEs and VIEs' subsidiaries that are collateral </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CollateralizedAssetsOfViesAndViesSubsidiaries" xlink:to="lab_pt_CollateralizedAssetsOfViesAndViesSubsidiaries"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CollateralizedAssetsOfViesAndViesSubsidiaries" xml:lang="en-US"> Represents assets of the VIEs and VIEs' subsidiaries that are collateral for the VIEs obligations and can only be used to settle the VIEs' obligations except for the consolidated assets backed securitized debts arrangement and trust arrangements. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xml:lang="en-US"> Schedule of Accounts, Notes, Loans and Financing Receivable [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis" xlink:label="loc_srt_RangeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_RangeAxis" xml:lang="en-US"> Range [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeAxis" xlink:to="lab_srt_RangeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember" xlink:label="loc_srt_RangeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_RangeMember" xml:lang="en-US"> Range [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_RangeMember" xml:lang="en-US"> Range [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeMember" xlink:to="lab_srt_RangeMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xml:lang="en-US"> Accounts, Notes, Loans and Financing Receivable [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConvenienceTranslationAbstract" xlink:label="loc_pt_ConvenienceTranslationAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConvenienceTranslationAbstract" xml:lang="en-US"> Convenience Translation [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ConvenienceTranslationAbstract" xml:lang="en-US"> Convenience translation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConvenienceTranslationAbstract" xlink:to="lab_pt_ConvenienceTranslationAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConvenienceTranslationAbstract" xml:lang="en-US"> No definition available. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ForeignCurrencyExchangeRateTranslation1" xlink:label="loc_us-gaap_ForeignCurrencyExchangeRateTranslation1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ForeignCurrencyExchangeRateTranslation1" xml:lang="en-US"> Foreign Currency Exchange Rate, Translation </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ForeignCurrencyExchangeRateTranslation1" xml:lang="en-US"> Convenience translation rate (in RMB/USD) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ForeignCurrencyExchangeRateTranslation1" xlink:to="lab_us-gaap_ForeignCurrencyExchangeRateTranslation1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsAbstract" xlink:label="loc_us-gaap_CashAndCashEquivalentsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndCashEquivalentsAbstract" xml:lang="en-US"> Cash and Cash Equivalents [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAbstract" xml:lang="en-US"> Cash and cash equivalents </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract" xlink:to="lab_us-gaap_CashAndCashEquivalentsAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NumberOfSubsidiariesOfShareholdersOfGroup" xlink:label="loc_pt_NumberOfSubsidiariesOfShareholdersOfGroup"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NumberOfSubsidiariesOfShareholdersOfGroup" xml:lang="en-US"> Number of Subsidiaries of Shareholders of the Group </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_NumberOfSubsidiariesOfShareholdersOfGroup" xml:lang="en-US"> Number of subsidiaries of shareholders of the group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NumberOfSubsidiariesOfShareholdersOfGroup" xlink:to="lab_pt_NumberOfSubsidiariesOfShareholdersOfGroup"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NumberOfSubsidiariesOfShareholdersOfGroup" xml:lang="en-US"> The number of subsidiaries of the shareholders of the group. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansPayable" xlink:label="loc_us-gaap_LoansPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansPayable" xml:lang="en-US"> Loans Payable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LoansPayable" xml:lang="en-US"> Loan payables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansPayable" xlink:to="lab_us-gaap_LoansPayable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentAxis" xml:lang="en-US"> Debt Instrument [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentAxis" xlink:to="lab_us-gaap_DebtInstrumentAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xml:lang="en-US"> Debt Instrument, Name [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xml:lang="en-US"> Debt Instrument, Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentNameDomain" xlink:to="lab_us-gaap_DebtInstrumentNameDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember" xlink:label="loc_pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember" xml:lang="en-US"> First Loan Agreement With Xijin Shanghai Venture Capital Management Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember" xml:lang="en-US"> First loan agreement with Xijin </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember" xlink:to="lab_pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FirstLoanAgreementWithXijinShanghaiVentureCapitalManagementCoLtdMember" xml:lang="en-US"> Represents information pertaining to first loan agreement with Xijin (Shanghai) Venture Capital Management Co., Ltd (''Xijin''). </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember" xlink:label="loc_pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember" xml:lang="en-US"> Loan Payables Third Party Investors Of Asset Backed Securitized Debts [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember" xml:lang="en-US"> Third party investors of asset-backed securitized debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember" xlink:to="lab_pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LoanPayablesThirdPartyInvestorsOfAssetBackedSecuritizedDebtsMember" xml:lang="en-US"> Loan payables to the third party investors of asset-backed securitized debts. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xml:lang="en-US"> Property, Plant and Equipment [Table] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xml:lang="en-US"> Property, Plant and Equipment [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xml:lang="en-US"> Property, Plant and Equipment [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xml:lang="en-US"> Estimated useful lives </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xml:lang="en-US"> Property, equipment and software, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xml:lang="en-US"> Property, Plant and Equipment, Useful Life </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xml:lang="en-US"> Estimated useful lives </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xml:lang="en-US"> Property, Plant and Equipment, Estimated Useful Lives </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xml:lang="en-US"> Estimated useful lives </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US"> Property, Plant and Equipment, Type [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US"> Property, Plant and Equipment, Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xml:lang="en-US"> Property, Plant and Equipment, Type [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xml:lang="en-US"> Property, Plant and Equipment, Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:label="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xml:lang="en-US"> Software and Software Development Costs [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xml:lang="en-US"> Software </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:to="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComputerEquipmentMember" xlink:label="loc_us-gaap_ComputerEquipmentMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComputerEquipmentMember" xml:lang="en-US"> Computer Equipment [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ComputerEquipmentMember" xml:lang="en-US"> Computer and electronic equipment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComputerEquipmentMember" xlink:to="lab_us-gaap_ComputerEquipmentMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OfficeEquipmentMember" xlink:label="loc_us-gaap_OfficeEquipmentMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OfficeEquipmentMember" xml:lang="en-US"> Office Equipment [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OfficeEquipmentMember" xml:lang="en-US"> Office furniture and equipment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OfficeEquipmentMember" xlink:to="lab_us-gaap_OfficeEquipmentMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BuildingMember" xlink:label="loc_us-gaap_BuildingMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BuildingMember" xml:lang="en-US"> Building [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BuildingMember" xml:lang="en-US"> Building </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BuildingMember" xlink:to="lab_us-gaap_BuildingMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VehiclesMember" xlink:label="loc_us-gaap_VehiclesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_VehiclesMember" xml:lang="en-US"> Vehicles [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_VehiclesMember" xml:lang="en-US"> Vehicle </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VehiclesMember" xlink:to="lab_us-gaap_VehiclesMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:label="loc_us-gaap_LeaseholdImprovementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LeaseholdImprovementsMember" xml:lang="en-US"> Leasehold Improvements [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LeaseholdImprovementsMember" xml:lang="en-US"> Leasehold improvements </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LeaseholdImprovementsMember" xml:lang="en-US"> Leasehold Improvements [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeaseholdImprovementsMember" xlink:to="lab_us-gaap_LeaseholdImprovementsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember" xlink:label="loc_srt_MaximumMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_MaximumMember" xml:lang="en-US"> Maximum [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_MaximumMember" xml:lang="en-US"> Maximum </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MaximumMember" xlink:to="lab_srt_MaximumMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember" xlink:label="loc_srt_MinimumMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_MinimumMember" xml:lang="en-US"> Minimum [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_MinimumMember" xml:lang="en-US"> Minimum </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumMember" xlink:to="lab_srt_MinimumMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable" xml:lang="en-US"> Schedule of Acquired Finite-Lived Intangible Asset by Major Class [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable" xlink:to="lab_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetByMajorClassTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems" xml:lang="en-US"> Acquired Finite-Lived Intangible Assets [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems" xlink:to="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xml:lang="en-US"> Acquired Finite-lived Intangible Assets, Weighted Average Useful Life </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xml:lang="en-US"> Acquired Finite-lived Intangible Assets, Weighted Average Useful Life </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xml:lang="en-US"> Identifiable intangible assets acquired, estimated useful life </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:to="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DescriptionOfUsefulLivesOfIntangibleAssets" xlink:label="loc_pt_DescriptionOfUsefulLivesOfIntangibleAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DescriptionOfUsefulLivesOfIntangibleAssets" xml:lang="en-US"> Description Of Useful Lives Of Intangible Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DescriptionOfUsefulLivesOfIntangibleAssets" xml:lang="en-US"> Description of useful lives of intangible assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DescriptionOfUsefulLivesOfIntangibleAssets" xlink:to="lab_pt_DescriptionOfUsefulLivesOfIntangibleAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DescriptionOfUsefulLivesOfIntangibleAssets" xml:lang="en-US"> Description of useful lives of intangible assets. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xml:lang="en-US"> Finite-Lived Intangible Assets by Major Class [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xml:lang="en-US"> Finite-Lived Intangible Assets, Major Class Name [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xml:lang="en-US"> Finite-Lived Intangible Assets, Major Class Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CustomerListsMember" xlink:label="loc_us-gaap_CustomerListsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CustomerListsMember" xml:lang="en-US"> Customer Lists [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CustomerListsMember" xml:lang="en-US"> Customer database </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CustomerListsMember" xlink:to="lab_us-gaap_CustomerListsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CustomerRelationshipsMember" xlink:label="loc_us-gaap_CustomerRelationshipsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xml:lang="en-US"> Customer Relationships [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xml:lang="en-US"> Customer relationship </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xml:lang="en-US"> Customer Relationships [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CustomerRelationshipsMember" xlink:to="lab_us-gaap_CustomerRelationshipsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TrademarksMember" xlink:label="loc_us-gaap_TrademarksMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TrademarksMember" xml:lang="en-US"> Trademarks [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_TrademarksMember" xml:lang="en-US"> Trademark </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_TrademarksMember" xml:lang="en-US"> Trademark </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TrademarksMember" xlink:to="lab_us-gaap_TrademarksMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CopyrightsMember" xlink:label="loc_us-gaap_CopyrightsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CopyrightsMember" xml:lang="en-US"> Copyrights [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CopyrightsMember" xml:lang="en-US"> Software copyright </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CopyrightsMember" xlink:to="lab_us-gaap_CopyrightsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LicensingAgreementsMember" xlink:label="loc_us-gaap_LicensingAgreementsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LicensingAgreementsMember" xml:lang="en-US"> Licensing Agreements [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LicensingAgreementsMember" xml:lang="en-US"> Microcredit license </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LicensingAgreementsMember" xml:lang="en-US"> License with indefinite life [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LicensingAgreementsMember" xlink:to="lab_us-gaap_LicensingAgreementsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xml:lang="en-US"> Indefinite-lived Intangible Assets [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain" xml:lang="en-US"> Indefinite-lived Intangible Assets, Major Class Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:to="lab_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CreditInvestigationLicenseMember" xlink:label="loc_pt_CreditInvestigationLicenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CreditInvestigationLicenseMember" xml:lang="en-US"> Credit Investigation License [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_CreditInvestigationLicenseMember" xml:lang="en-US"> Credit investigation license </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CreditInvestigationLicenseMember" xlink:to="lab_pt_CreditInvestigationLicenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CreditInvestigationLicenseMember" xml:lang="en-US"> Credit investigation license member. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DisclosureOfSignificantAccountingPoliciesTable" xlink:label="loc_pt_DisclosureOfSignificantAccountingPoliciesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DisclosureOfSignificantAccountingPoliciesTable" xml:lang="en-US"> Disclosure of significant accounting policies [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DisclosureOfSignificantAccountingPoliciesTable" xlink:to="lab_pt_DisclosureOfSignificantAccountingPoliciesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DisclosureOfSignificantAccountingPoliciesTable" xml:lang="en-US"> Disclosure of significant accounting policies </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DisclosureOfSignificantAccountingPoliciesLineItems" xlink:label="loc_pt_DisclosureOfSignificantAccountingPoliciesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DisclosureOfSignificantAccountingPoliciesLineItems" xml:lang="en-US"> Disclosure of significant accounting policies [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DisclosureOfSignificantAccountingPoliciesLineItems" xlink:to="lab_pt_DisclosureOfSignificantAccountingPoliciesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DisclosureOfSignificantAccountingPoliciesLineItems" xml:lang="en-US"> Disclosure of significant accounting policies </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerAbstract" xml:lang="en-US"> Revenue from Contract with Customer [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerAbstract" xml:lang="en-US"> Revenue recognition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract" xlink:to="lab_us-gaap_RevenueFromContractWithCustomerAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredRevenueRevenueRecognized1" xlink:label="loc_us-gaap_DeferredRevenueRevenueRecognized1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredRevenueRevenueRecognized1" xml:lang="en-US"> Deferred Revenue, Revenue Recognized </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DeferredRevenueRevenueRecognized1" xml:lang="en-US"> Deferred Revenue Recognized </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredRevenueRevenueRecognized1" xlink:to="lab_us-gaap_DeferredRevenueRevenueRecognized1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOfLongLivedAssetsToBeDisposedOf" xlink:label="loc_us-gaap_ImpairmentOfLongLivedAssetsToBeDisposedOf"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ImpairmentOfLongLivedAssetsToBeDisposedOf" xml:lang="en-US"> Impairment of Long-Lived Assets to be Disposed of </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ImpairmentOfLongLivedAssetsToBeDisposedOf" xml:lang="en-US"> Impairment of Long-Lived Assets to be Disposed of </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfLongLivedAssetsToBeDisposedOf" xlink:to="lab_us-gaap_ImpairmentOfLongLivedAssetsToBeDisposedOf"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetImpairmentChargesAbstract" xlink:label="loc_us-gaap_AssetImpairmentChargesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetImpairmentChargesAbstract" xml:lang="en-US"> Asset Impairment Charges [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AssetImpairmentChargesAbstract" xml:lang="en-US"> Impairment of Long-lived Assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetImpairmentChargesAbstract" xlink:to="lab_us-gaap_AssetImpairmentChargesAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOfLongLivedAssetsHeldForUse" xlink:label="loc_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse" xml:lang="en-US"> Impairment of Long-Lived Assets Held-for-use </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse" xml:lang="en-US"> Impairment of long-lived assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse" xlink:to="lab_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ValueAddedTaxAbstract" xlink:label="loc_pt_ValueAddedTaxAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ValueAddedTaxAbstract" xml:lang="en-US"> Value added Tax [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ValueAddedTaxAbstract" xml:lang="en-US"> Value added Tax ("VAT") </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ValueAddedTaxAbstract" xlink:to="lab_pt_ValueAddedTaxAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ValueAddedTaxAbstract" xml:lang="en-US"> No definition available. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PercentageOfValueAddedTax" xlink:label="loc_pt_PercentageOfValueAddedTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PercentageOfValueAddedTax" xml:lang="en-US"> Percentage of Value Added Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_PercentageOfValueAddedTax" xml:lang="en-US"> Percentage of value added tax </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PercentageOfValueAddedTax" xlink:to="lab_pt_PercentageOfValueAddedTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PercentageOfValueAddedTax" xml:lang="en-US"> Represents percentage of value added tax depending on whether the entity is a general tax payer. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SegmentReportingAbstract" xml:lang="en-US"> Segment Reporting [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SegmentReportingAbstract" xml:lang="en-US"> Segment reporting </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingAbstract" xlink:to="lab_us-gaap_SegmentReportingAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="loc_us-gaap_NumberOfReportableSegments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NumberOfReportableSegments" xml:lang="en-US"> Number of Reportable Segments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NumberOfReportableSegments" xml:lang="en-US"> Number of reportable segment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NumberOfReportableSegments" xlink:to="lab_us-gaap_NumberOfReportableSegments"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_StatutoryReservesAbstract" xlink:label="loc_pt_StatutoryReservesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_StatutoryReservesAbstract" xml:lang="en-US"> Statutory Reserves [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_StatutoryReservesAbstract" xml:lang="en-US"> Statutory reserves </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_StatutoryReservesAbstract" xlink:to="lab_pt_StatutoryReservesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_StatutoryReservesAbstract" xml:lang="en-US"> n/a </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits" xlink:label="loc_pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits" xml:lang="en-US"> Appropriation to Statutory Surplus Fund, Minimum Percentage of After-tax Profits </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits" xml:lang="en-US"> Appropriation to the statutory surplus fund, minimum percentage of after-tax profits </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits" xlink:to="lab_pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AppropriationToStatutorySurplusFundMinimumPercentageOfAfterTaxProfits" xml:lang="en-US"> The minimum percentage of the after-tax profits appropriation to the statutory surplus fund. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund" xlink:label="loc_pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund" xml:lang="en-US"> Profit Appropriation to General Reserve Fund and Statutory Surplus Fund </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund" xml:lang="en-US"> Profit appropriation to general reserve fund and statutory surplus fund </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund" xlink:to="lab_pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProfitAppropriationToGeneralReserveFundAndStatutorySurplusFund" xml:lang="en-US"> The amount profit appropriation to general reserve fund and statutory surplus fund. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DistributionOfReserves" xlink:label="loc_pt_DistributionOfReserves"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DistributionOfReserves" xml:lang="en-US"> Distribution of Reserves </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DistributionOfReserves" xml:lang="en-US"> Transfer of reserves </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DistributionOfReserves" xlink:to="lab_pt_DistributionOfReserves"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DistributionOfReserves" xml:lang="en-US"> Amount of reserves allowed to be transferred to the company in terms of cash dividends, loans or advances, nor can they be distributed except under liquidation. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital" xlink:label="loc_pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital" xml:lang="en-US"> Maximum Percentage of Statutory Surplus Fund to Registered Capital </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital" xml:lang="en-US"> Maximum percentage of statutory surplus fund to registered capital </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital" xlink:to="lab_pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_MaximumPercentageOfStatutorySurplusFundToRegisteredCapital" xml:lang="en-US"> The maximum percentage of statutory surplus fund to registered capital for which appropriation is not required. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillImpairedAbstract" xlink:label="loc_us-gaap_GoodwillImpairedAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillImpairedAbstract" xml:lang="en-US"> Goodwill, Impaired [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GoodwillImpairedAbstract" xml:lang="en-US"> Goodwill </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillImpairedAbstract" xlink:to="lab_us-gaap_GoodwillImpairedAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillImpairmentLoss" xlink:label="loc_us-gaap_GoodwillImpairmentLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillImpairmentLoss" xml:lang="en-US"> Goodwill, Impairment Loss </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GoodwillImpairmentLoss" xml:lang="en-US"> Impairment of goodwill </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillImpairmentLoss" xlink:to="lab_us-gaap_GoodwillImpairmentLoss"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GainLossOnGuaranteeLiability" xlink:label="loc_pt_GainLossOnGuaranteeLiability"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GainLossOnGuaranteeLiability" xml:lang="en-US"> Gain (Loss) on Guarantee Liability </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_GainLossOnGuaranteeLiability" xml:lang="en-US"> Gain on guarantee liability </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_pt_GainLossOnGuaranteeLiability" xml:lang="en-US"> Release of financial guarantee liabilities upon repayment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GainLossOnGuaranteeLiability" xlink:to="lab_pt_GainLossOnGuaranteeLiability"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GainLossOnGuaranteeLiability" xml:lang="en-US"> Amount of gain or loss on guarantee liability. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GuaranteeObligationsMaximumExposure" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GuaranteeObligationsMaximumExposure" xml:lang="en-US"> Guarantor Obligations, Maximum Exposure, Undiscounted </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GuaranteeObligationsMaximumExposure" xml:lang="en-US"> Guarantee Obligations Maximum Exposure </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteeObligationsMaximumExposure" xlink:to="lab_us-gaap_GuaranteeObligationsMaximumExposure"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AllowanceForGuaranteeAssets" xlink:label="loc_pt_AllowanceForGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AllowanceForGuaranteeAssets" xml:lang="en-US"> Allowance for Guarantee Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_AllowanceForGuaranteeAssets" xml:lang="en-US"> Allowance for Guarantee Assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AllowanceForGuaranteeAssets" xlink:to="lab_pt_AllowanceForGuaranteeAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AllowanceForGuaranteeAssets" xml:lang="en-US"> Allowance for Guarantee Assets </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OperatingLeasesLiability" xlink:label="loc_pt_OperatingLeasesLiability"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OperatingLeasesLiability" xml:lang="en-US"> Operating Leases Liability </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OperatingLeasesLiability" xml:lang="en-US"> Operating lease liability </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OperatingLeasesLiability" xlink:to="lab_pt_OperatingLeasesLiability"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OperatingLeasesLiability" xml:lang="en-US"> Operating leases liability. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_UnderpaymentOfIncomeTax" xlink:label="loc_pt_UnderpaymentOfIncomeTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_UnderpaymentOfIncomeTax" xml:lang="en-US"> Underpayment of income tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_UnderpaymentOfIncomeTax" xml:lang="en-US"> Underpayment of income tax </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_UnderpaymentOfIncomeTax" xlink:to="lab_pt_UnderpaymentOfIncomeTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_UnderpaymentOfIncomeTax" xml:lang="en-US"> Underpayment of income tax. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PeriodOfStatueOfLimitation" xlink:label="loc_pt_PeriodOfStatueOfLimitation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PeriodOfStatueOfLimitation" xml:lang="en-US"> Period of statue of limitation </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PeriodOfStatueOfLimitation" xml:lang="en-US"> Period of statue of limitation </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PeriodOfStatueOfLimitation" xlink:to="lab_pt_PeriodOfStatueOfLimitation"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PeriodOfStatueOfLimitation" xml:lang="en-US"> Period of statue of limitation. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US"> Amortization of Intangible Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US"> Amortization of intangible asset </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US"> Amortization expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:to="lab_us-gaap_AmortizationOfIntangibleAssets"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill" xml:lang="en-US"> Impairment of Intangible Assets, Indefinite-lived (Excluding Goodwill) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill" xml:lang="en-US"> Impairment of intangible assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill" xml:lang="en-US"> Impairment loss </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill" xlink:to="lab_us-gaap_ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xlink:label="loc_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xml:lang="en-US"> Allowance for Doubtful Accounts Receivable, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xml:lang="en-US"> Allowance for bad debts </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xml:lang="en-US"> Allowance for doubtful accounts </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xml:lang="en-US"> Balance at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xml:lang="en-US"> Balance at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xlink:to="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OperatingLeaseRightOfUseAssets" xlink:label="loc_pt_OperatingLeaseRightOfUseAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OperatingLeaseRightOfUseAssets" xml:lang="en-US"> Operating Lease Right Of Use Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OperatingLeaseRightOfUseAssets" xml:lang="en-US"> Operating lease right of use assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OperatingLeaseRightOfUseAssets" xlink:to="lab_pt_OperatingLeaseRightOfUseAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OperatingLeaseRightOfUseAssets" xml:lang="en-US"> Operating lease right of use assets. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xml:lang="en-US"> Adjustments for New Accounting Pronouncements [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:to="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TypeOfAdoptionMember" xml:lang="en-US"> Type of Adoption [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TypeOfAdoptionMember" xlink:to="lab_us-gaap_TypeOfAdoptionMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RestatementAxis" xlink:label="loc_srt_RestatementAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_RestatementAxis" xml:lang="en-US"> Restatement [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementAxis" xlink:to="lab_srt_RestatementAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RestatementDomain" xlink:label="loc_srt_RestatementDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_RestatementDomain" xml:lang="en-US"> Restatement [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_RestatementDomain" xml:lang="en-US"> Restatement [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementDomain" xlink:to="lab_srt_RestatementDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RestatementAdjustmentMember" xlink:label="loc_srt_RestatementAdjustmentMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_RestatementAdjustmentMember" xml:lang="en-US"> Restatement Adjustment [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_RestatementAdjustmentMember" xml:lang="en-US"> Restatement Adjustment [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementAdjustmentMember" xlink:to="lab_srt_RestatementAdjustmentMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskTable" xlink:label="loc_us-gaap_ConcentrationRiskTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskTable" xml:lang="en-US"> Concentration Risk [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTable" xlink:to="lab_us-gaap_ConcentrationRiskTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskByTypeAxis" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskByTypeAxis" xml:lang="en-US"> Concentration Risk Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis" xlink:to="lab_us-gaap_ConcentrationRiskByTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskTypeDomain" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskTypeDomain" xml:lang="en-US"> Concentration Risk Type [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConcentrationRiskTypeDomain" xml:lang="en-US"> Concentration Risk Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain" xlink:to="lab_us-gaap_ConcentrationRiskTypeDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CooperationConcentrationRiskMember" xlink:label="loc_pt_CooperationConcentrationRiskMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CooperationConcentrationRiskMember" xml:lang="en-US"> Cooperation Concentration Risk [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_CooperationConcentrationRiskMember" xml:lang="en-US"> Cooperation concentration risk </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CooperationConcentrationRiskMember" xlink:to="lab_pt_CooperationConcentrationRiskMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CooperationConcentrationRiskMember" xml:lang="en-US"> Reflects the percentage that revenues in the period from one or more significant cooperation partners is to net revenues, as defined by the entity. The risk is the materially adverse effects of loss of a significant cooperation partners. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FundingPartnersConcentrationRiskMember" xlink:label="loc_pt_FundingPartnersConcentrationRiskMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FundingPartnersConcentrationRiskMember" xml:lang="en-US"> Funding Partners Concentration Risk [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FundingPartnersConcentrationRiskMember" xml:lang="en-US"> Concentration of Funding Partners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FundingPartnersConcentrationRiskMember" xlink:to="lab_pt_FundingPartnersConcentrationRiskMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FundingPartnersConcentrationRiskMember" xml:lang="en-US"> Reflects the percentage that revenues in the period from one or more significant cooperation partners is to net revenues, as defined by the entity. The risk is the materially adverse effects of loss of a significant funding partners. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LerongDuoyuanInformationTechnologyCoLtdMember" xlink:label="loc_pt_LerongDuoyuanInformationTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LerongDuoyuanInformationTechnologyCoLtdMember" xml:lang="en-US"> Lerong Duoyuan Information Technology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LerongDuoyuanInformationTechnologyCoLtdMember" xml:lang="en-US"> Jimu Box </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LerongDuoyuanInformationTechnologyCoLtdMember" xlink:to="lab_pt_LerongDuoyuanInformationTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LerongDuoyuanInformationTechnologyCoLtdMember" xml:lang="en-US"> Represents information pertaining to Lerong Duoyuan Information Technology Co., Ltd ("Jimu Box"), Jimu Group's online peer-to-peer lending platform, which was considered as one of the Group's related party. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskByBenchmarkAxis" xml:lang="en-US"> Concentration Risk Benchmark [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:to="lab_us-gaap_ConcentrationRiskByBenchmarkAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskBenchmarkDomain" xml:lang="en-US"> Concentration Risk Benchmark [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConcentrationRiskBenchmarkDomain" xml:lang="en-US"> Concentration Risk Benchmark [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:to="lab_us-gaap_ConcentrationRiskBenchmarkDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SalesRevenueNetMember" xlink:label="loc_us-gaap_SalesRevenueNetMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SalesRevenueNetMember" xml:lang="en-US"> Sales Revenue, Net [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SalesRevenueNetMember" xml:lang="en-US"> Total Revenue </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesRevenueNetMember" xlink:to="lab_us-gaap_SalesRevenueNetMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember" xlink:label="loc_us-gaap_LoansReceivableMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansReceivableMember" xml:lang="en-US"> Loans Receivable [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LoansReceivableMember" xml:lang="en-US"> Loans facilitated </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableMember" xlink:to="lab_us-gaap_LoansReceivableMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CounterpartyNameAxis" xlink:label="loc_srt_CounterpartyNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CounterpartyNameAxis" xml:lang="en-US"> Counterparty Name [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CounterpartyNameAxis" xlink:to="lab_srt_CounterpartyNameAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RepurchaseAgreementCounterpartyNameDomain" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xml:lang="en-US"> Counterparty Name [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xml:lang="en-US"> Counterparty Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:to="lab_srt_RepurchaseAgreementCounterpartyNameDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FiveBusinessPartnersMember" xlink:label="loc_pt_FiveBusinessPartnersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FiveBusinessPartnersMember" xml:lang="en-US"> Five Business Partners [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FiveBusinessPartnersMember" xml:lang="en-US"> Five Business Partners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FiveBusinessPartnersMember" xlink:to="lab_pt_FiveBusinessPartnersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FiveBusinessPartnersMember" xml:lang="en-US"> Represents information pertaining to five business partners with which the entity has cooperation relationship. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_QunarMember" xlink:label="loc_pt_QunarMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_QunarMember" xml:lang="en-US"> Qunar [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_QunarMember" xml:lang="en-US"> Qunar </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_QunarMember" xlink:to="lab_pt_QunarMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_QunarMember" xml:lang="en-US"> Represents information pertaining to Qunar, which is a large mobile and online travel platform in China. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventTypeAxis" xlink:label="loc_us-gaap_SubsequentEventTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xml:lang="en-US"> Subsequent Event Type [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xml:lang="en-US"> Subsequent Event Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeAxis" xlink:to="lab_us-gaap_SubsequentEventTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventTypeDomain" xlink:label="loc_us-gaap_SubsequentEventTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xml:lang="en-US"> Subsequent Event Type [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xml:lang="en-US"> Subsequent Event Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeDomain" xlink:to="lab_us-gaap_SubsequentEventTypeDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskLineItems" xlink:label="loc_us-gaap_ConcentrationRiskLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xml:lang="en-US"> Concentration Risk [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xml:lang="en-US"> Concentration and risks </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskLineItems" xlink:to="lab_us-gaap_ConcentrationRiskLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskPercentage1" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConcentrationRiskPercentage1" xml:lang="en-US"> Concentration Risk, Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConcentrationRiskPercentage1" xml:lang="en-US"> Concentration risk (as a percentage) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskPercentage1" xlink:to="lab_us-gaap_ConcentrationRiskPercentage1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NumberOfBusinessPartners" xlink:label="loc_pt_NumberOfBusinessPartners"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NumberOfBusinessPartners" xml:lang="en-US"> Number of Business Partners </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_NumberOfBusinessPartners" xml:lang="en-US"> Number of Business Partners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NumberOfBusinessPartners" xlink:to="lab_pt_NumberOfBusinessPartners"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NumberOfBusinessPartners" xml:lang="en-US"> Represents number of business partners. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CurrencyAxis" xlink:label="loc_srt_CurrencyAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_CurrencyAxis" xml:lang="en-US"> Currency [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CurrencyAxis" xlink:to="lab_srt_CurrencyAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/currency/2021/currency-2021.xsd#currency_AllCurrenciesDomain" xlink:label="loc_currency_AllCurrenciesDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_currency_AllCurrenciesDomain" xml:lang="en-US"> All Currencies [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_currency_AllCurrenciesDomain" xml:lang="en-US"> All Currencies [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_AllCurrenciesDomain" xlink:to="lab_currency_AllCurrenciesDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual" xml:lang="en-US"> Business Combination, Pro Forma Information, Revenue of Acquiree since Acquisition Date, Actual </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual" xml:lang="en-US"> Revenue from acquisition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual" xlink:to="lab_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xlink:label="loc_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xml:lang="en-US"> Business Acquisition, Percentage of Voting Interests Acquired </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xml:lang="en-US"> Equity interest (as a percent) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xml:lang="en-US"> Percentage Of Voting Equity Interests Acquired </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xml:lang="en-US"> Business Acquisition, Percentage of Voting Interests Acquired </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xlink:to="lab_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual" xml:lang="en-US"> Business Combination, Pro Forma Information, Earnings or Loss of Acquiree since Acquisition Date, Actual </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual" xml:lang="en-US"> Net income arising from acquisition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual" xlink:to="lab_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BusinessAcquisitionAggregatePurchasePrice" xlink:label="loc_pt_BusinessAcquisitionAggregatePurchasePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BusinessAcquisitionAggregatePurchasePrice" xml:lang="en-US"> Business Acquisition Aggregate Purchase Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BusinessAcquisitionAggregatePurchasePrice" xml:lang="en-US"> Business Acquisition Aggregate Purchase Price </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BusinessAcquisitionAggregatePurchasePrice" xlink:to="lab_pt_BusinessAcquisitionAggregatePurchasePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BusinessAcquisitionAggregatePurchasePrice" xml:lang="en-US"> Business acquisition aggregate purchase price. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries" xlink:label="loc_pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries" xml:lang="en-US"> Business Acquisition Percentage Of Equity Interest Transferred In Subsidiaries </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries" xml:lang="en-US"> Business acquisition percentage of equity interest transferred in subsidiaries </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries" xlink:to="lab_pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BusinessAcquisitionPercentageOfEquityInterestTransferredInSubsidiaries" xml:lang="en-US"> Business Acquisition Percentage Of Equity Interest Transferred In Subsidiaries. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:label="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Equity Method Investment, Ownership Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/disclosureGuidance" xlink:label="lab_us-gaap_EquityMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Equity Method Investment, Ownership Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Shareholding interests (as a percent) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Equity interests (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:to="lab_us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FTSynergyMember" xlink:label="loc_pt_FTSynergyMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FTSynergyMember" xml:lang="en-US"> FT Synergy [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FTSynergyMember" xlink:to="lab_pt_FTSynergyMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FTSynergyMember" xml:lang="en-US"> FT Synergy [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_QilehuiMember" xlink:label="loc_pt_QilehuiMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_QilehuiMember" xml:lang="en-US"> Qilehui [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_QilehuiMember" xlink:to="lab_pt_QilehuiMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_QilehuiMember" xml:lang="en-US"> qilehui. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GanzhouAixinMicroFinanceMember" xlink:label="loc_pt_GanzhouAixinMicroFinanceMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GanzhouAixinMicroFinanceMember" xml:lang="en-US"> Ganzhou Aixin Micro Finance [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GanzhouAixinMicroFinanceMember" xlink:to="lab_pt_GanzhouAixinMicroFinanceMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GanzhouAixinMicroFinanceMember" xml:lang="en-US"> Ganzhou Aixin Micro Finance. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeAxis" xlink:label="loc_us-gaap_MeasurementInputTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xml:lang="en-US"> Measurement Input Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeDomain" xlink:label="loc_us-gaap_MeasurementInputTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xml:lang="en-US"> Measurement Input Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeDomain" xlink:to="lab_us-gaap_MeasurementInputTypeDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NcaDevelopmentUnitTrustMember" xlink:label="loc_pt_NcaDevelopmentUnitTrustMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NcaDevelopmentUnitTrustMember" xml:lang="en-US"> NCA Development Unit Trust [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NcaDevelopmentUnitTrustMember" xlink:to="lab_pt_NcaDevelopmentUnitTrustMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NcaDevelopmentUnitTrustMember" xml:lang="en-US"> Nca development unit trust. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xml:lang="en-US"> Investment, Name [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:to="lab_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_EquityMethodInvesteeNameDomain" xlink:label="loc_srt_EquityMethodInvesteeNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_EquityMethodInvesteeNameDomain" xml:lang="en-US"> Investment, Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_EquityMethodInvesteeNameDomain" xlink:to="lab_srt_EquityMethodInvesteeNameDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FtSynergyPtyLtdMember" xlink:label="loc_pt_FtSynergyPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FtSynergyPtyLtdMember" xml:lang="en-US"> FT Synergy Pty Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FtSynergyPtyLtdMember" xlink:to="lab_pt_FtSynergyPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FtSynergyPtyLtdMember" xml:lang="en-US"> FT synergy pty ltd. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionLineItems" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xml:lang="en-US"> Business Acquisition [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems" xlink:to="lab_us-gaap_BusinessAcquisitionLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xml:lang="en-US"> Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Other </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xml:lang="en-US"> Other payables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
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<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsPrepaidExpenseAndOtherAssets" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsPrepaidExpenseAndOtherAssets"/>
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<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
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<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForNotesAndLoansReceivableCurrent" xlink:to="lab_us-gaap_AllowanceForNotesAndLoansReceivableCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="loc_us-gaap_NotesReceivableGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NotesReceivableGross" xml:lang="en-US"> Financing Receivable, Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NotesReceivableGross" xml:lang="en-US"> Total financing receivables </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NotesReceivableGross" xml:lang="en-US"> Total financing receivables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableGross" xlink:to="lab_us-gaap_NotesReceivableGross"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xml:lang="en-US"> Financing Receivable, Allowance for Credit Loss [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xml:lang="en-US"> Financing Receivable, Allowance for Credit Loss [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancingReceivableAllowanceForCreditLossesWriteDown" xlink:label="loc_pt_FinancingReceivableAllowanceForCreditLossesWriteDown"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancingReceivableAllowanceForCreditLossesWriteDown" xml:lang="en-US"> Financing Receivable Allowance for Credit Losses Write Down </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FinancingReceivableAllowanceForCreditLossesWriteDown" xml:lang="en-US"> (Charge-offs)/Charge-offs reversal </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancingReceivableAllowanceForCreditLossesWriteDown" xlink:to="lab_pt_FinancingReceivableAllowanceForCreditLossesWriteDown"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancingReceivableAllowanceForCreditLossesWriteDown" xml:lang="en-US"> Financing receivable allowance for credit losses write-downs. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US"> Financing Receivable, Allowance for Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US"> Balance at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xml:lang="en-US"> Balance at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProvisionForDoubtfulFinancingReceivables" xlink:label="loc_pt_ProvisionForDoubtfulFinancingReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProvisionForDoubtfulFinancingReceivables" xml:lang="en-US"> Provision for Doubtful Financing Receivables </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProvisionForDoubtfulFinancingReceivables" xml:lang="en-US"> Additions/(Reversal) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProvisionForDoubtfulFinancingReceivables" xlink:to="lab_pt_ProvisionForDoubtfulFinancingReceivables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProvisionForDoubtfulFinancingReceivables" xml:lang="en-US"> Amount of expense related to write-down of financing receivables to the amount expected to be collected. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xml:lang="en-US"> Schedule of Financing Receivables Past Due [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xml:lang="en-US"> Financing Receivables, Period Past Due [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xml:lang="en-US"> Financing Receivables, Period Past Due [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xml:lang="en-US"> Financing Receivables, Period Past Due [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:label="loc_us-gaap_FinancingReceivables1To29DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember" xml:lang="en-US"> Financing Receivables, 1 to 29 Days Past Due [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember" xml:lang="en-US"> 1 - 30 Days Past Due </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xml:lang="en-US"> Financing Receivables, 30 to 59 Days Past Due [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xml:lang="en-US"> 31 - 60 Days Past Due </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xml:lang="en-US"> Financing Receivables, 60 to 89 Days Past Due [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xml:lang="en-US"> 61 - 90 Days Past Due </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xml:lang="en-US"> Financing Receivable, Recorded Investment, Past Due [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xml:lang="en-US"> Financing receivables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancingReceivablesPeriodAxis" xlink:label="loc_pt_FinancingReceivablesPeriodAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancingReceivablesPeriodAxis" xml:lang="en-US"> Financing Receivables Period [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancingReceivablesPeriodAxis" xlink:to="lab_pt_FinancingReceivablesPeriodAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancingReceivablesPeriodAxis" xml:lang="en-US"> Financing receivables period. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancingReceivablesPeriodDomain" xlink:label="loc_pt_FinancingReceivablesPeriodDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancingReceivablesPeriodDomain" xml:lang="en-US"> Financing Receivables Period [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancingReceivablesPeriodDomain" xlink:to="lab_pt_FinancingReceivablesPeriodDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancingReceivablesPeriodDomain" xml:lang="en-US"> Financing receivables period. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialAssetPastDueMember" xlink:label="loc_us-gaap_FinancialAssetPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancialAssetPastDueMember" xml:lang="en-US"> Financial Asset, Past Due [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetPastDueMember" xlink:to="lab_us-gaap_FinancialAssetPastDueMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialAssetNotPastDueMember" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xml:lang="en-US"> Financial Asset, Not Past Due [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:to="lab_us-gaap_FinancialAssetNotPastDueMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent" xlink:label="loc_pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent" xml:lang="en-US"> Accounts Receivable, Borrowers and Financial Partners, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent" xml:lang="en-US"> Receivables for technical service fees from borrowers and financial partners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent" xlink:to="lab_pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccountsReceivableBorrowersAndFinancialPartnersCurrent" xml:lang="en-US"> Amounts due from borrowers and financial partners, within one year of the balance sheet date (or the normal operating cycle, whichever is longer) for services that have been delivered or sold in the normal course of business. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccountsReceivableAssetManagementCompaniesCurrent" xlink:label="loc_pt_AccountsReceivableAssetManagementCompaniesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccountsReceivableAssetManagementCompaniesCurrent" xml:lang="en-US"> Accounts Receivable, Asset Management Companies, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AccountsReceivableAssetManagementCompaniesCurrent" xml:lang="en-US"> Receivables for marketplace service fees from asset management companies </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccountsReceivableAssetManagementCompaniesCurrent" xlink:to="lab_pt_AccountsReceivableAssetManagementCompaniesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccountsReceivableAssetManagementCompaniesCurrent" xml:lang="en-US"> Amounts due from asset management companies, within one year of the balance sheet date (or the normal operating cycle, whichever is longer) for services. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent" xlink:label="loc_pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent" xml:lang="en-US"> Accounts Receivable Insurance Companies and Others Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent" xml:lang="en-US"> Receivables for marketplace service fees from insurance companies and others </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent" xlink:to="lab_pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccountsReceivableInsuranceCompaniesAndOthersCurrent" xml:lang="en-US"> Amounts due from insurance companies and others, within one year of the balance sheet date (or the normal operating cycle, whichever is longer) for services. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableGrossCurrent" xlink:label="loc_us-gaap_AccountsReceivableGrossCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountsReceivableGrossCurrent" xml:lang="en-US"> Accounts Receivable, Gross, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AccountsReceivableGrossCurrent" xml:lang="en-US"> Total accounts receivable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsReceivableGrossCurrent" xlink:to="lab_us-gaap_AccountsReceivableGrossCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="loc_us-gaap_ProvisionForDoubtfulAccounts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProvisionForDoubtfulAccounts" xml:lang="en-US"> Provision for Doubtful Accounts </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProvisionForDoubtfulAccounts" xml:lang="en-US"> Additions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForDoubtfulAccounts" xlink:to="lab_us-gaap_ProvisionForDoubtfulAccounts"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProvisionForDoubtfulAccountsReceivableWriteOffs" xlink:label="loc_pt_ProvisionForDoubtfulAccountsReceivableWriteOffs"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProvisionForDoubtfulAccountsReceivableWriteOffs" xml:lang="en-US"> Provision For Doubtful Accounts Receivable Write Offs </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProvisionForDoubtfulAccountsReceivableWriteOffs" xml:lang="en-US"> (Charge-off)/Reversal Charge-off </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProvisionForDoubtfulAccountsReceivableWriteOffs" xlink:to="lab_pt_ProvisionForDoubtfulAccountsReceivableWriteOffs"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProvisionForDoubtfulAccountsReceivableWriteOffs" xml:lang="en-US"> Provision For Doubtful Accounts Receivable Write Offs. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableDisclosureTable" xlink:label="loc_us-gaap_LoansAndLeasesReceivableDisclosureTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansAndLeasesReceivableDisclosureTable" xml:lang="en-US"> Loans and Leases Receivable Disclosure [Table] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableDisclosureTable" xml:lang="en-US"> Loans and Leases Receivable Disclosure [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableDisclosureTable" xlink:to="lab_us-gaap_LoansAndLeasesReceivableDisclosureTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableDisclosureLineItems" xlink:label="loc_us-gaap_LoansAndLeasesReceivableDisclosureLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansAndLeasesReceivableDisclosureLineItems" xml:lang="en-US"> Loans and Leases Receivable Disclosure [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableDisclosureLineItems" xml:lang="en-US"> Prepayments and other current assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableDisclosureLineItems" xlink:to="lab_us-gaap_LoansAndLeasesReceivableDisclosureLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaidServiceFeesCurrent" xlink:label="loc_pt_PrepaidServiceFeesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaidServiceFeesCurrent" xml:lang="en-US"> Prepaid Service Fees, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_PrepaidServiceFeesCurrent" xml:lang="en-US"> Prepaid expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaidServiceFeesCurrent" xlink:to="lab_pt_PrepaidServiceFeesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaidServiceFeesCurrent" xml:lang="en-US"> Amount of asset related to consideration paid in advance for service fees that provides economic benefits within a future period of one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AdvanceToStaff" xlink:label="loc_pt_AdvanceToStaff"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AdvanceToStaff" xml:lang="en-US"> Advance To Staff </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AdvanceToStaff" xml:lang="en-US"> Advance to staff </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AdvanceToStaff" xlink:to="lab_pt_AdvanceToStaff"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AdvanceToStaff" xml:lang="en-US"> Advance To Staff </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="loc_us-gaap_NotesReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NotesReceivableNet" xml:lang="en-US"> Financing Receivable, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NotesReceivableNet" xml:lang="en-US"> Short-term loan to a third party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableNet" xlink:to="lab_us-gaap_NotesReceivableNet"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DepositsFinancialPartnersAndOtherVendors" xlink:label="loc_pt_DepositsFinancialPartnersAndOtherVendors"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DepositsFinancialPartnersAndOtherVendors" xml:lang="en-US"> Deposits, Financial Partners and Other Vendors </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DepositsFinancialPartnersAndOtherVendors" xml:lang="en-US"> Deposits to financial partners and other vendors </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DepositsFinancialPartnersAndOtherVendors" xlink:to="lab_pt_DepositsFinancialPartnersAndOtherVendors"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DepositsFinancialPartnersAndOtherVendors" xml:lang="en-US"> The carrying amount of the asset transferred to financial partners and other vendors. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ReceivablesThirdPartyOnlinePaymentPlatforms" xlink:label="loc_pt_ReceivablesThirdPartyOnlinePaymentPlatforms"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ReceivablesThirdPartyOnlinePaymentPlatforms" xml:lang="en-US"> Receivables, Third-party Online Payment Platforms </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ReceivablesThirdPartyOnlinePaymentPlatforms" xml:lang="en-US"> Receivables from third-party online payment platforms and business partners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ReceivablesThirdPartyOnlinePaymentPlatforms" xlink:to="lab_pt_ReceivablesThirdPartyOnlinePaymentPlatforms"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ReceivablesThirdPartyOnlinePaymentPlatforms" xml:lang="en-US"> The carrying amount of the receivables from third-party online payment platforms. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaidValueAddedTaxCurrent" xlink:label="loc_pt_PrepaidValueAddedTaxCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaidValueAddedTaxCurrent" xml:lang="en-US"> Prepaid Value Added Tax, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_PrepaidValueAddedTaxCurrent" xml:lang="en-US"> Prepaid input VAT </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaidValueAddedTaxCurrent" xlink:to="lab_pt_PrepaidValueAddedTaxCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaidValueAddedTaxCurrent" xml:lang="en-US"> Amount of asset related to consideration paid in advance for value-added tax (VAT) that provides economic benefits within a future period of one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaidExpenseAndOtherAssetsCurrentGross" xlink:label="loc_pt_PrepaidExpenseAndOtherAssetsCurrentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaidExpenseAndOtherAssetsCurrentGross" xml:lang="en-US"> Prepaid Expense And Other Assets Current Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_pt_PrepaidExpenseAndOtherAssetsCurrentGross" xml:lang="en-US"> Total prepayments and other current assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaidExpenseAndOtherAssetsCurrentGross" xlink:to="lab_pt_PrepaidExpenseAndOtherAssetsCurrentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaidExpenseAndOtherAssetsCurrentGross" xml:lang="en-US"> Amount, before allowance for credit loss, of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets that are expected to be realized or consumed within one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses" xlink:label="loc_pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses" xml:lang="en-US"> Prepaid Expense And Other Assets Current Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses" xml:lang="en-US"> Bad debt provision </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses" xlink:to="lab_pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaidExpenseAndOtherAssetsCurrentAllowanceForCreditLosses" xml:lang="en-US"> Amount of allowance for credit loss on asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets that are expected to be realized or consumed within one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsCurrent" xlink:label="loc_us-gaap_OtherAssetsCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherAssetsCurrent" xml:lang="en-US"> Other Assets, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OtherAssetsCurrent" xml:lang="en-US"> Others </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssetsCurrent" xlink:to="lab_us-gaap_OtherAssetsCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PrepaymentOfIntentAcquisition" xlink:label="loc_pt_PrepaymentOfIntentAcquisition"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PrepaymentOfIntentAcquisition" xml:lang="en-US"> Prepayment Of Intent Acquisition </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PrepaymentOfIntentAcquisition" xml:lang="en-US"> Prepayment of intent acquisition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PrepaymentOfIntentAcquisition" xlink:to="lab_pt_PrepaymentOfIntentAcquisition"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PrepaymentOfIntentAcquisition" xml:lang="en-US"> Prepayment Of intent acquisition. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProvisionForPrepaymentsAndOtherCurrentAssets" xlink:label="loc_pt_ProvisionForPrepaymentsAndOtherCurrentAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProvisionForPrepaymentsAndOtherCurrentAssets" xml:lang="en-US"> Provision For Prepayments and Other Current Assets </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_pt_ProvisionForPrepaymentsAndOtherCurrentAssets" xml:lang="en-US"> Provision For Prepayments and Other Current Assets </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProvisionForPrepaymentsAndOtherCurrentAssets" xlink:to="lab_pt_ProvisionForPrepaymentsAndOtherCurrentAssets"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProvisionForPrepaymentsAndOtherCurrentAssets" xml:lang="en-US"> Provision for prepayments and other current assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AgreementAxis" xlink:label="loc_pt_AgreementAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AgreementAxis" xml:lang="en-US"> Agreement [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AgreementAxis" xlink:to="lab_pt_AgreementAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AgreementAxis" xml:lang="en-US"> Agreement. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AgreementDomain" xlink:label="loc_pt_AgreementDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AgreementDomain" xml:lang="en-US"> Agreement [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AgreementDomain" xlink:to="lab_pt_AgreementDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AgreementDomain" xml:lang="en-US"> Agreement. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_InvestmentAgreementMember" xlink:label="loc_pt_InvestmentAgreementMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_InvestmentAgreementMember" xml:lang="en-US"> Investment Agreement [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_InvestmentAgreementMember" xlink:to="lab_pt_InvestmentAgreementMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_InvestmentAgreementMember" xml:lang="en-US"> Investment agreement. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeijingXiaoBenniaoInformationTechnologyCoLtdMember" xlink:label="loc_pt_BeijingXiaoBenniaoInformationTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeijingXiaoBenniaoInformationTechnologyCoLtdMember" xml:lang="en-US"> Beijing Xiao Benniao Information Technology Co Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeijingXiaoBenniaoInformationTechnologyCoLtdMember" xlink:to="lab_pt_BeijingXiaoBenniaoInformationTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BeijingXiaoBenniaoInformationTechnologyCoLtdMember" xml:lang="en-US"> Beijing xiao benniao information technology co ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_HighVisionBeijingNetworkTechnologyCoLtdMember" xlink:label="loc_pt_HighVisionBeijingNetworkTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_HighVisionBeijingNetworkTechnologyCoLtdMember" xml:lang="en-US"> High Vision Beijing Network Technology Co Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_HighVisionBeijingNetworkTechnologyCoLtdMember" xlink:to="lab_pt_HighVisionBeijingNetworkTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_HighVisionBeijingNetworkTechnologyCoLtdMember" xml:lang="en-US"> High vision beijing network technology co ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware" xlink:label="loc_pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware" xml:lang="en-US"> Depreciation and Amortization, Property, Equipment and Software </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware" xml:lang="en-US"> Depreciation and amortization expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware" xlink:to="lab_pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DepreciationAndAmortizationPropertyEquipmentAndSoftware" xml:lang="en-US"> The current period expense charged against earnings on depreciation and amortization related to property, equipment and software. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xml:lang="en-US"> Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xml:lang="en-US"> Less: Accumulated depreciation and amortization </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xml:lang="en-US"> Property, Plant and Equipment, Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xml:lang="en-US"> Total </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentGross"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisposals" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentDisposals"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisposals" xml:lang="en-US"> Property, Plant and Equipment, Disposals </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisposals" xml:lang="en-US"> Property Plant And Equipment Retired </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentDisposals" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentDisposals"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="loc_us-gaap_FairValueByAssetClassAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueByAssetClassAxis" xml:lang="en-US"> Asset Class [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByAssetClassAxis" xlink:to="lab_us-gaap_FairValueByAssetClassAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xml:lang="en-US"> Asset Class [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableforsaleSecuritiesMember" xlink:label="loc_us-gaap_AvailableforsaleSecuritiesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AvailableforsaleSecuritiesMember" xml:lang="en-US"> Available-for-sale Securities [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AvailableforsaleSecuritiesMember" xml:lang="en-US"> Available for sale investment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableforsaleSecuritiesMember" xlink:to="lab_us-gaap_AvailableforsaleSecuritiesMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityMethodInvestmentsMember" xlink:label="loc_us-gaap_EquityMethodInvestmentsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityMethodInvestmentsMember" xml:lang="en-US"> Equity Method Investments [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentsMember" xml:lang="en-US"> Equity investments accounted for using the equity method [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityMethodInvestmentsMember" xml:lang="en-US"> Equity Method </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestmentsMember" xlink:to="lab_us-gaap_EquityMethodInvestmentsMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember" xlink:label="loc_pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember" xml:lang="en-US"> Equity Investments Without Readily Determinable Fair values [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember" xml:lang="en-US"> Equity investments without readily determinable fair values [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember" xlink:to="lab_pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EquityInvestmentsWithoutReadilyDeterminableFairValuesMember" xml:lang="en-US"> Equity investments without readily determinable fair values. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongtermInvestmentsLineItems" xlink:label="loc_pt_LongtermInvestmentsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongtermInvestmentsLineItems" xml:lang="en-US"> Longterm investments [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LongtermInvestmentsLineItems" xml:lang="en-US"> Long-term investments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongtermInvestmentsLineItems" xlink:to="lab_pt_LongtermInvestmentsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongtermInvestmentsLineItems" xml:lang="en-US"> Investment LineItems </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="loc_us-gaap_PaymentsToAcquireInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireInvestments" xml:lang="en-US"> Payments to Acquire Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PaymentsToAcquireInvestments" xml:lang="en-US"> Investments made </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PaymentsToAcquireInvestments" xml:lang="en-US"> Total consideration paid </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireInvestments" xlink:to="lab_us-gaap_PaymentsToAcquireInvestments"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOfInvestments" xlink:label="loc_us-gaap_ImpairmentOfInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ImpairmentOfInvestments" xml:lang="en-US"> Other than Temporary Impairment Losses, Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="lab_us-gaap_ImpairmentOfInvestments" xml:lang="en-US"> Less: Impairment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfInvestments" xlink:to="lab_us-gaap_ImpairmentOfInvestments"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ForeignCurrencyTranslationAdjustmentsOfInvestments" xlink:label="loc_pt_ForeignCurrencyTranslationAdjustmentsOfInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ForeignCurrencyTranslationAdjustmentsOfInvestments" xml:lang="en-US"> Foreign Currency Translation Adjustments of Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ForeignCurrencyTranslationAdjustmentsOfInvestments" xml:lang="en-US"> Less: Foreign currency translation adjustments </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ForeignCurrencyTranslationAdjustmentsOfInvestments" xlink:to="lab_pt_ForeignCurrencyTranslationAdjustmentsOfInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ForeignCurrencyTranslationAdjustmentsOfInvestments" xml:lang="en-US"> Adjustments to investments resulting from foreign currency translation adjustments. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SubscriptionOfPrivateFund" xlink:label="loc_pt_SubscriptionOfPrivateFund"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SubscriptionOfPrivateFund" xml:lang="en-US"> Subscription Of Private Fund </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_SubscriptionOfPrivateFund" xml:lang="en-US"> Subscription of private fund </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SubscriptionOfPrivateFund" xlink:to="lab_pt_SubscriptionOfPrivateFund"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SubscriptionOfPrivateFund" xml:lang="en-US"> Subscription of private fund. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LossFromPrivateFund" xlink:label="loc_pt_LossFromPrivateFund"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LossFromPrivateFund" xml:lang="en-US"> Loss From Private Fund </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LossFromPrivateFund" xml:lang="en-US"> Loss from private fund </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LossFromPrivateFund" xlink:to="lab_pt_LossFromPrivateFund"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LossFromPrivateFund" xml:lang="en-US"> Loss from private fund. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CostMethodInvestmentOwnershipPercentage" xlink:label="loc_pt_CostMethodInvestmentOwnershipPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CostMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Cost Method Investment Ownership Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_CostMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Shareholding interests (as a percent) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_CostMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Shareholding interests (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CostMethodInvestmentOwnershipPercentage" xlink:to="lab_pt_CostMethodInvestmentOwnershipPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CostMethodInvestmentOwnershipPercentage" xml:lang="en-US"> Cost method investment, ownership percentage. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_InvestmentAxis" xlink:label="loc_pt_InvestmentAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_InvestmentAxis" xml:lang="en-US"> Investment [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_InvestmentAxis" xlink:to="lab_pt_InvestmentAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_InvestmentAxis" xml:lang="en-US"> Investment Axis </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_InvestmentDomain" xlink:label="loc_pt_InvestmentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_InvestmentDomain" xml:lang="en-US"> Investment [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_InvestmentDomain" xlink:to="lab_pt_InvestmentDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_InvestmentDomain" xml:lang="en-US"> Investment Domain </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LeasegoPtyLtdMember" xlink:label="loc_pt_LeasegoPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LeasegoPtyLtdMember" xml:lang="en-US"> Leasego Pty Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LeasegoPtyLtdMember" xml:lang="en-US"> Leasego Pty Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LeasegoPtyLtdMember" xlink:to="lab_pt_LeasegoPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LeasegoPtyLtdMember" xml:lang="en-US"> Leasego pty ltd. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CostmethodInvestmentsMember" xlink:label="loc_us-gaap_CostmethodInvestmentsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CostmethodInvestmentsMember" xml:lang="en-US"> Cost-method Investments [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CostmethodInvestmentsMember" xml:lang="en-US"> Cost Method </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostmethodInvestmentsMember" xlink:to="lab_us-gaap_CostmethodInvestmentsMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AvatecAiPteLtdMember" xlink:label="loc_pt_AvatecAiPteLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AvatecAiPteLtdMember" xml:lang="en-US"> Avatec Ai Pte Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AvatecAiPteLtdMember" xml:lang="en-US"> Avatec </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AvatecAiPteLtdMember" xlink:to="lab_pt_AvatecAiPteLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AvatecAiPteLtdMember" xml:lang="en-US"> Avatec Ai Pte Ltd [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeijingRuisasiTechnologyCoLtdMember" xlink:label="loc_pt_BeijingRuisasiTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeijingRuisasiTechnologyCoLtdMember" xml:lang="en-US"> Beijing Ruisasi Technology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_BeijingRuisasiTechnologyCoLtdMember" xml:lang="en-US"> Beijing Ruisasi Technology Co., Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeijingRuisasiTechnologyCoLtdMember" xlink:to="lab_pt_BeijingRuisasiTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BeijingRuisasiTechnologyCoLtdMember" xml:lang="en-US"> Beijing Ruisasi Technology Co., Ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FullertonCreditChongqingCoLtdMember" xlink:label="loc_pt_FullertonCreditChongqingCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FullertonCreditChongqingCoLtdMember" xml:lang="en-US"> Fullerton Credit Chongqing Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FullertonCreditChongqingCoLtdMember" xml:lang="en-US"> Chongqing Fullerton </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FullertonCreditChongqingCoLtdMember" xlink:to="lab_pt_FullertonCreditChongqingCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FullertonCreditChongqingCoLtdMember" xml:lang="en-US"> Fullerton Credit Chongqing Co Ltd Member </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PivotFintechPteLimitedMember" xlink:label="loc_pt_PivotFintechPteLimitedMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PivotFintechPteLimitedMember" xml:lang="en-US"> Pivot Fintech Pte Limited [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PivotFintechPteLimitedMember" xml:lang="en-US"> Pivot Fintech PTE. Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PivotFintechPteLimitedMember" xlink:to="lab_pt_PivotFintechPteLimitedMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PivotFintechPteLimitedMember" xml:lang="en-US"> Pivot Fintech Pte. Limited [Member] </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeneInternetTechnologyCoLtdMember" xlink:label="loc_pt_BeneInternetTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeneInternetTechnologyCoLtdMember" xml:lang="en-US"> Bene internet technology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_BeneInternetTechnologyCoLtdMember" xml:lang="en-US"> Bene internet technology Co Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeneInternetTechnologyCoLtdMember" xlink:to="lab_pt_BeneInternetTechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BeneInternetTechnologyCoLtdMember" xml:lang="en-US"> Bene internet technology Co., Ltd [Member]. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments" xlink:label="loc_pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments" xml:lang="en-US"> Unrealized Gain Loss on Marketable Security, Cost Method Investments, and Other Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments" xml:lang="en-US"> Unrealized gain and losses, change in fair values </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments" xlink:to="lab_pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_UnrealizedGainLossOnMarketableSecurityCostMethodInvestmentsAndOtherInvestments" xml:lang="en-US"> Unrealized Gain (Loss) on Marketable Security, Cost Method Investments, and Other Investments. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsidiaryOrEquityMethodInvesteeDeferredIncomeTaxProvisionOnCumulativeGainLossRecognizedAmount" xlink:label="loc_us-gaap_SubsidiaryOrEquityMethodInvesteeDeferredIncomeTaxProvisionOnCumulativeGainLossRecognizedAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsidiaryOrEquityMethodInvesteeDeferredIncomeTaxProvisionOnCumulativeGainLossRecognizedAmount" xml:lang="en-US"> Subsidiary or Equity Method Investee, Deferred Income Tax Provision on Gain (Loss) Recognized, Amount </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SubsidiaryOrEquityMethodInvesteeDeferredIncomeTaxProvisionOnCumulativeGainLossRecognizedAmount" xml:lang="en-US"> Loss recognized from transfer of shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsidiaryOrEquityMethodInvesteeDeferredIncomeTaxProvisionOnCumulativeGainLossRecognizedAmount" xlink:to="lab_us-gaap_SubsidiaryOrEquityMethodInvesteeDeferredIncomeTaxProvisionOnCumulativeGainLossRecognizedAmount"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Goodwill" xml:lang="en-US"> Goodwill </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_Goodwill" xml:lang="en-US"> Goodwill </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill" xlink:to="lab_us-gaap_Goodwill"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SaleOfShareholdingInterestPercentage" xlink:label="loc_pt_SaleOfShareholdingInterestPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SaleOfShareholdingInterestPercentage" xml:lang="en-US"> Sale Of Shareholding Interest Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_SaleOfShareholdingInterestPercentage" xml:lang="en-US"> Sale of shareholding interest percentage </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SaleOfShareholdingInterestPercentage" xlink:to="lab_pt_SaleOfShareholdingInterestPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SaleOfShareholdingInterestPercentage" xml:lang="en-US"> Sale of shareholding interest percentage. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xml:lang="en-US"> Proceeds from Issuance of Common Stock </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xml:lang="en-US"> Proceeds from sale of common stock </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfCommonStock"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireEquityMethodInvestments" xml:lang="en-US"> Payments to Acquire Equity Method Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PaymentsToAcquireEquityMethodInvestments" xml:lang="en-US"> Equity interest agreed to purchase, consideration paid </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_PaymentsToAcquireEquityMethodInvestments" xml:lang="en-US"> Cash consideration </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments" xlink:to="lab_us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_InterestIncomeOnNetAssetCarryingAmount" xlink:label="loc_pt_InterestIncomeOnNetAssetCarryingAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_InterestIncomeOnNetAssetCarryingAmount" xml:lang="en-US"> Interest Income On Net Asset Carrying Amount </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_InterestIncomeOnNetAssetCarryingAmount" xml:lang="en-US"> Interest income on net asset carrying amount </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_InterestIncomeOnNetAssetCarryingAmount" xlink:to="lab_pt_InterestIncomeOnNetAssetCarryingAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_InterestIncomeOnNetAssetCarryingAmount" xml:lang="en-US"> Interest income on net asset carrying amount. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:label="loc_us-gaap_EquityMethodInvestments"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityMethodInvestments" xml:lang="en-US"> Equity Method Investments </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityMethodInvestments" xml:lang="en-US"> Carrying value of investment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestments" xlink:to="lab_us-gaap_EquityMethodInvestments"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DisposalEntityNameAxis" xlink:label="loc_pt_DisposalEntityNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DisposalEntityNameAxis" xml:lang="en-US"> Disposal Entity Name [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DisposalEntityNameAxis" xlink:to="lab_pt_DisposalEntityNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DisposalEntityNameAxis" xml:lang="en-US"> Disposal entity name. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DisposalEntityNameDomain" xlink:label="loc_pt_DisposalEntityNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DisposalEntityNameDomain" xml:lang="en-US"> Disposal Entity Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DisposalEntityNameDomain" xlink:to="lab_pt_DisposalEntityNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DisposalEntityNameDomain" xml:lang="en-US"> Disposal entity name. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xml:lang="en-US"> Fair Value Measurements, Recurring and Nonrecurring [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xml:lang="en-US"> Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xml:lang="en-US"> Fair value measurement </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure" xlink:label="loc_pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure" xml:lang="en-US"> Current Consideration Payable For Acquisition Fair Value Disclosure </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure" xml:lang="en-US"> Total </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure" xlink:to="lab_pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CurrentConsiderationPayableForAcquisitionFairValueDisclosure" xml:lang="en-US"> Fair value of consideration payable in a business combination. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure" xlink:label="loc_pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure" xml:lang="en-US"> Consideration Payable For Business Acquisition Current Fair Value Disclosure </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure" xml:lang="en-US"> Consideration payable for acquisition-current </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure" xlink:to="lab_pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConsiderationPayableForBusinessAcquisitionCurrentFairValueDisclosure" xml:lang="en-US"> Consideration payable for business acquisition current fair value disclosure. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure" xlink:label="loc_pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure" xml:lang="en-US"> Consideration Payable For Business Acquisition Non Current Fair Value Disclosure </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure" xml:lang="en-US"> Consideration payable for acquisition-noncurrent </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure" xlink:to="lab_pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConsiderationPayableForBusinessAcquisitionNonCurrentFairValueDisclosure" xml:lang="en-US"> Consideration payable for business acquisition non current fair value disclosure. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xml:lang="en-US"> Fair Value Hierarchy and NAV [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xml:lang="en-US"> Fair Value Hierarchy and NAV [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xml:lang="en-US"> Fair Value Hierarchy and NAV [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="loc_us-gaap_FairValueInputsLevel3Member"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xml:lang="en-US"> Fair Value, Inputs, Level 3 [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xml:lang="en-US"> Level 3 Inputs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_us-gaap_FairValueInputsLevel3Member"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xml:lang="en-US"> Measurement Frequency [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="lab_us-gaap_FairValueByMeasurementFrequencyAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xml:lang="en-US"> Fair Value, Measurement Frequency [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xml:lang="en-US"> Fair Value, Measurement Frequency [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="lab_us-gaap_FairValueMeasurementFrequencyDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xml:lang="en-US"> Fair Value, Measurements, Recurring [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xml:lang="en-US"> Recurring </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsRecurringMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xml:lang="en-US"> Schedule of Finite-Lived Intangible Assets [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DatabasesMember" xlink:label="loc_us-gaap_DatabasesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DatabasesMember" xml:lang="en-US"> Database Rights [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DatabasesMember" xml:lang="en-US"> Customer database </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DatabasesMember" xlink:to="lab_us-gaap_DatabasesMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComputerSoftwareIntangibleAssetMember" xlink:label="loc_us-gaap_ComputerSoftwareIntangibleAssetMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComputerSoftwareIntangibleAssetMember" xml:lang="en-US"> Computer Software, Intangible Asset [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ComputerSoftwareIntangibleAssetMember" xml:lang="en-US"> Software copyright [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComputerSoftwareIntangibleAssetMember" xlink:to="lab_us-gaap_ComputerSoftwareIntangibleAssetMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xml:lang="en-US"> Finite-Lived Intangible Assets [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xml:lang="en-US"> Intangible assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xml:lang="en-US"> Finite-Lived Intangible Assets, Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xml:lang="en-US"> Intangible assets, gross </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsGross"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xml:lang="en-US"> Finite-Lived Intangible Assets, Accumulated Amortization </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xml:lang="en-US"> Less: Accumulated amortization </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetAcquisitionAxis" xlink:label="loc_us-gaap_AssetAcquisitionAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetAcquisitionAxis" xml:lang="en-US"> Asset Acquisition [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionAxis" xlink:to="lab_us-gaap_AssetAcquisitionAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetAcquisitionDomain" xlink:label="loc_us-gaap_AssetAcquisitionDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetAcquisitionDomain" xml:lang="en-US"> Asset Acquisition [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionDomain" xlink:to="lab_us-gaap_AssetAcquisitionDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_MicrocreditLicenseMember" xlink:label="loc_pt_MicrocreditLicenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_MicrocreditLicenseMember" xml:lang="en-US"> Microcredit License [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_MicrocreditLicenseMember" xml:lang="en-US"> Microcredit License [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_MicrocreditLicenseMember" xlink:to="lab_pt_MicrocreditLicenseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_MicrocreditLicenseMember" xml:lang="en-US"> Microcredit License. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:label="loc_us-gaap_ScheduleOfGoodwillTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfGoodwillTable" xml:lang="en-US"> Schedule of Goodwill [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfGoodwillTable" xlink:to="lab_us-gaap_ScheduleOfGoodwillTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputLongTermRevenueGrowthRateMember" xlink:label="loc_us-gaap_MeasurementInputLongTermRevenueGrowthRateMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MeasurementInputLongTermRevenueGrowthRateMember" xml:lang="en-US"> Measurement Input, Long-term Revenue Growth Rate [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputLongTermRevenueGrowthRateMember" xlink:to="lab_us-gaap_MeasurementInputLongTermRevenueGrowthRateMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputDiscountRateMember" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xml:lang="en-US"> Measurement Input, Discount Rate [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:to="lab_us-gaap_MeasurementInputDiscountRateMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillLineItems" xlink:label="loc_us-gaap_GoodwillLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillLineItems" xml:lang="en-US"> Goodwill [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillLineItems" xlink:to="lab_us-gaap_GoodwillLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PercentageOfImpairmentTestForGoodWillAssumptions" xlink:label="loc_pt_PercentageOfImpairmentTestForGoodWillAssumptions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PercentageOfImpairmentTestForGoodWillAssumptions" xml:lang="en-US"> Percentage of Impairment Test for Good will Assumptions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PercentageOfImpairmentTestForGoodWillAssumptions" xlink:to="lab_pt_PercentageOfImpairmentTestForGoodWillAssumptions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PercentageOfImpairmentTestForGoodWillAssumptions" xml:lang="en-US"> Percentage of Impairment Test for Good will Assumptions. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentTable" xml:lang="en-US"> Schedule of Long-term Debt Instruments [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentTable" xlink:to="lab_us-gaap_DebtInstrumentTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xml:lang="en-US"> Debt Instrument [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xml:lang="en-US"> Funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentLineItems" xlink:to="lab_us-gaap_DebtInstrumentLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermBorrowingsAbstract" xlink:label="loc_us-gaap_ShortTermBorrowingsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShortTermBorrowingsAbstract" xml:lang="en-US"> Short-term Debt [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShortTermBorrowingsAbstract" xml:lang="en-US"> Short-term: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermBorrowingsAbstract" xlink:to="lab_us-gaap_ShortTermBorrowingsAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember" xlink:label="loc_pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember" xml:lang="en-US"> Loan Payable To Individual Investors Via Financial Partners [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember" xml:lang="en-US"> Loan payables to individual investors via financial partners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember" xlink:to="lab_pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LoanPayableToIndividualInvestorsViaFinancialPartnersMember" xml:lang="en-US"> Represents information pertaining to loan payables to individual investors via financial partners. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="loc_us-gaap_FinancialInstrumentAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xml:lang="en-US"> Financial Instrument [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentAxis" xlink:to="lab_us-gaap_FinancialInstrumentAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xml:lang="en-US"> Financial Instruments [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xml:lang="en-US"> Financial Instruments [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xml:lang="en-US"> Financial Instruments [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtWeightedAverageInterestRate" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtWeightedAverageInterestRate" xml:lang="en-US"> Debt, Weighted Average Interest Rate </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtWeightedAverageInterestRate" xml:lang="en-US"> Weighted average interest rate on funding debts </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtWeightedAverageInterestRate" xlink:to="lab_us-gaap_DebtWeightedAverageInterestRate"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfDebtTable" xlink:label="loc_pt_ScheduleOfDebtTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfDebtTable" xml:lang="en-US"> Schedule Of Debt [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfDebtTable" xlink:to="lab_pt_ScheduleOfDebtTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfDebtTable" xml:lang="en-US"> Schedule of debt. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LineOfCreditFacilityAxis" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LineOfCreditFacilityAxis" xml:lang="en-US"> Lender Name [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis" xlink:to="lab_us-gaap_LineOfCreditFacilityAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LineOfCreditFacilityLenderDomain" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LineOfCreditFacilityLenderDomain" xml:lang="en-US"> Line of Credit Facility, Lender [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain" xlink:to="lab_us-gaap_LineOfCreditFacilityLenderDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BankofJiangsuCoLtdBeijingBranchMember" xlink:label="loc_pt_BankofJiangsuCoLtdBeijingBranchMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BankofJiangsuCoLtdBeijingBranchMember" xml:lang="en-US"> Bank of Jiangsu Co Ltd Beijing Branch [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BankofJiangsuCoLtdBeijingBranchMember" xml:lang="en-US"> Bank of Jiangsu Co Ltd Beijing Branch </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BankofJiangsuCoLtdBeijingBranchMember" xlink:to="lab_pt_BankofJiangsuCoLtdBeijingBranchMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BankofJiangsuCoLtdBeijingBranchMember" xml:lang="en-US"> Bank of Jiangsu Co Ltd Beijing Branch. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SPDSiliconValleyBankMember" xlink:label="loc_pt_SPDSiliconValleyBankMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SPDSiliconValleyBankMember" xml:lang="en-US"> SPD Silicon Valley Bank [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_SPDSiliconValleyBankMember" xml:lang="en-US"> SPD Silicon Valley Bank </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SPDSiliconValleyBankMember" xlink:to="lab_pt_SPDSiliconValleyBankMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SPDSiliconValleyBankMember" xml:lang="en-US"> SPD Silicon Valley Bank. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_us-gaap_CreditFacilityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CreditFacilityAxis" xml:lang="en-US"> Credit Facility [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityAxis" xlink:to="lab_us-gaap_CreditFacilityAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_us-gaap_CreditFacilityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CreditFacilityDomain" xml:lang="en-US"> Credit Facility [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityDomain" xlink:to="lab_us-gaap_CreditFacilityDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermDebtMember" xlink:label="loc_us-gaap_ShortTermDebtMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShortTermDebtMember" xml:lang="en-US"> Short-term Debt [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShortTermDebtMember" xml:lang="en-US"> Short-term Debt </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtMember" xlink:to="lab_us-gaap_ShortTermDebtMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:label="loc_us-gaap_ShortTermDebtLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShortTermDebtLineItems" xml:lang="en-US"> Short-term Debt [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtLineItems" xlink:to="lab_us-gaap_ShortTermDebtLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermDebtOtherDisclosuresAbstract" xlink:label="loc_us-gaap_ShortTermDebtOtherDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShortTermDebtOtherDisclosuresAbstract" xml:lang="en-US"> Short-term Debt, Other Disclosures [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShortTermDebtOtherDisclosuresAbstract" xml:lang="en-US"> Short-term borrowings: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtOtherDisclosuresAbstract" xlink:to="lab_us-gaap_ShortTermDebtOtherDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentMaturityDateDescription" xlink:label="loc_us-gaap_DebtInstrumentMaturityDateDescription"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentMaturityDateDescription" xml:lang="en-US"> Debt Instrument, Maturity Date, Description </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DebtInstrumentMaturityDateDescription" xml:lang="en-US"> Maturity </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentMaturityDateDescription" xlink:to="lab_us-gaap_DebtInstrumentMaturityDateDescription"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xml:lang="en-US"> Debt Instrument, Face Amount </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xml:lang="en-US"> Principal Amount </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xml:lang="en-US"> Debt Instrument, Interest Rate, Stated Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xml:lang="en-US"> Annual Interest Rate </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xml:lang="en-US"> Convertible debt stated rate of interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xml:lang="en-US"> Interest rate (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentCollateralAmount" xlink:label="loc_us-gaap_DebtInstrumentCollateralAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtInstrumentCollateralAmount" xml:lang="en-US"> Debt Instrument, Collateral Amount </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtInstrumentCollateralAmount" xml:lang="en-US"> Loan secured </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentCollateralAmount" xlink:to="lab_us-gaap_DebtInstrumentCollateralAmount"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfShortTermDebt" xlink:label="loc_us-gaap_RepaymentsOfShortTermDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RepaymentsOfShortTermDebt" xml:lang="en-US"> Repayments of Short-term Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RepaymentsOfShortTermDebt" xml:lang="en-US"> Repayments of short term borrowings </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfShortTermDebt" xlink:to="lab_us-gaap_RepaymentsOfShortTermDebt"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" xml:lang="en-US"> Restricted Cash and Cash Equivalents [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis" xlink:to="lab_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xml:lang="en-US"> Cash and Cash Equivalents [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xlink:to="lab_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BankTimeDepositsMember" xlink:label="loc_us-gaap_BankTimeDepositsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BankTimeDepositsMember" xml:lang="en-US"> Bank Time Deposits [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankTimeDepositsMember" xlink:to="lab_us-gaap_BankTimeDepositsMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GuarantorObligationsContingentLiabilities" xlink:label="loc_pt_GuarantorObligationsContingentLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GuarantorObligationsContingentLiabilities" xml:lang="en-US"> Guarantor Obligations, Contingent Liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_GuarantorObligationsContingentLiabilities" xml:lang="en-US"> Contingent liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GuarantorObligationsContingentLiabilities" xlink:to="lab_pt_GuarantorObligationsContingentLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GuarantorObligationsContingentLiabilities" xml:lang="en-US"> The amount of contingent liabilities for guarantee obligations. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans" xlink:label="loc_pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans" xml:lang="en-US"> Fair Value of Financial Guarantee Liabilities upon the Inception of New Loans </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans" xml:lang="en-US"> Fair value of financial guarantee liabilities upon the inception of new loans </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans" xlink:to="lab_pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FairValueOfFinancialGuaranteeLiabilitiesUponInceptionOfNewLoans" xml:lang="en-US"> The amount of increase in guarantor obligations due to inception of new loans. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfGuaranteeAssetsTable" xlink:label="loc_pt_ScheduleOfGuaranteeAssetsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsTable" xml:lang="en-US"> Schedule Of Guarantee Assets [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfGuaranteeAssetsTable" xlink:to="lab_pt_ScheduleOfGuaranteeAssetsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsTable" xml:lang="en-US"> Tabular disclosure about the type or nature of guarantees of each guarantee asset, or each group of similar guarantee assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfGuaranteeAssetsLineItems" xlink:label="loc_pt_ScheduleOfGuaranteeAssetsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsLineItems" xml:lang="en-US"> Schedule Of Guarantee Assets [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfGuaranteeAssetsLineItems" xlink:to="lab_pt_ScheduleOfGuaranteeAssetsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfGuaranteeAssetsLineItems" xml:lang="en-US"> Schedule Of Guarantee Assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShorttermFinancialAssetsReceivableNet" xlink:label="loc_pt_ShorttermFinancialAssetsReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShorttermFinancialAssetsReceivableNet" xml:lang="en-US"> Shortterm Financial Assets Receivable Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ShorttermFinancialAssetsReceivableNet" xml:lang="en-US"> Short-term financial assets receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShorttermFinancialAssetsReceivableNet" xlink:to="lab_pt_ShorttermFinancialAssetsReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShorttermFinancialAssetsReceivableNet" xml:lang="en-US"> Short-term financial assets receivable, net. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShorttermFinancialAssetsReceivable" xlink:label="loc_pt_ShorttermFinancialAssetsReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShorttermFinancialAssetsReceivable" xml:lang="en-US"> Shortterm Financial Assets Receivable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ShorttermFinancialAssetsReceivable" xml:lang="en-US"> Short-term financial assets receivable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShorttermFinancialAssetsReceivable" xlink:to="lab_pt_ShorttermFinancialAssetsReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShorttermFinancialAssetsReceivable" xml:lang="en-US"> Short-term financial assets receivable. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xlink:label="loc_pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Short Term Financial Guarantee Assets Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Allowance for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xlink:to="lab_pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShortTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Amount of allowance for credit loss on short-term financial guarantee assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xlink:label="loc_pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Long Term Financial Guarantee Assets Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Allowance for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xlink:to="lab_pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongTermFinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Amount of allowance for credit loss on long-term financial guarantee assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongtermFinancialAssetsReceivable" xlink:label="loc_pt_LongtermFinancialAssetsReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongtermFinancialAssetsReceivable" xml:lang="en-US"> Longterm Financial Assets Receivable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_LongtermFinancialAssetsReceivable" xml:lang="en-US"> Long-term financial assets receivable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongtermFinancialAssetsReceivable" xlink:to="lab_pt_LongtermFinancialAssetsReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongtermFinancialAssetsReceivable" xml:lang="en-US"> Long-term financial assets receivable. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongtermFinancialAssetsReceivableNet" xlink:label="loc_pt_LongtermFinancialAssetsReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LongtermFinancialAssetsReceivableNet" xml:lang="en-US"> Long-term financial assets receivable, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LongtermFinancialAssetsReceivableNet" xlink:to="lab_pt_LongtermFinancialAssetsReceivableNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LongtermFinancialAssetsReceivableNet" xml:lang="en-US"> Long-term financial assets receivable, net. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancialGuaranteeAssetsAllowanceForCreditLosses" xlink:label="loc_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Financial Guarantee Assets Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Balance at beginning of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Balance at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses" xlink:to="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLosses" xml:lang="en-US"> Amount of allowance for credit loss on financial guarantee assets. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs" xlink:label="loc_pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs" xml:lang="en-US"> Financial Guarantee Assets Allowance For Credit Losses ChargeOffs </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs" xml:lang="en-US"> Charge-offs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs" xlink:to="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancialGuaranteeAssetsAllowanceForCreditLossesChargeOffs" xml:lang="en-US"> Amount of chargeoff of financial guarantee assets, charged against allowance for credit loss. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses" xlink:label="loc_pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses" xml:lang="en-US"> Addition Reversal Of Financial Guarantee Assets Allowances For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses" xml:lang="en-US"> Additions/(Reversal) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses" xlink:to="lab_pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AdditionReversalOfFinancialGuaranteeAssetsAllowancesForCreditLosses" xml:lang="en-US"> Addition Reversal Of Financial Guarantee Assets Allowances For Credit Losses. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConvertibleLoanTable" xlink:label="loc_pt_ConvertibleLoanTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConvertibleLoanTable" xml:lang="en-US"> Convertible Loan [Table] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConvertibleLoanTable" xml:lang="en-US"> Convertible Loan [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConvertibleLoanTable" xlink:to="lab_pt_ConvertibleLoanTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConvertibleLoanTable" xml:lang="en-US"> Convertible loan table. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_YinchuanChuanxitechnologyCoLtdMember" xlink:label="loc_pt_YinchuanChuanxitechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_YinchuanChuanxitechnologyCoLtdMember" xml:lang="en-US"> Yinchuan Chuanxitechnology Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_YinchuanChuanxitechnologyCoLtdMember" xml:lang="en-US"> Yinchuan ChuanxiTechnology Co Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_YinchuanChuanxitechnologyCoLtdMember" xlink:to="lab_pt_YinchuanChuanxitechnologyCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_YinchuanChuanxitechnologyCoLtdMember" xml:lang="en-US"> Yinchuan chuanxitechnology co ltd member. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConvertibleLoanLineItems" xlink:label="loc_pt_ConvertibleLoanLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConvertibleLoanLineItems" xml:lang="en-US"> Convertible Loan [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConvertibleLoanLineItems" xml:lang="en-US"> Convertible Loan [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConvertibleLoanLineItems" xlink:to="lab_pt_ConvertibleLoanLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ConvertibleLoanLineItems" xml:lang="en-US"> Convertible loan line item. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtConversionOriginalDebtInterestRateOfDebt" xlink:label="loc_us-gaap_DebtConversionOriginalDebtInterestRateOfDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtConversionOriginalDebtInterestRateOfDebt" xml:lang="en-US"> Debt Conversion, Original Debt, Interest Rate of Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtConversionOriginalDebtInterestRateOfDebt" xml:lang="en-US"> Interset payable on un released portion of the debt,quarterly </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtConversionOriginalDebtInterestRateOfDebt" xlink:to="lab_us-gaap_DebtConversionOriginalDebtInterestRateOfDebt"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1" xlink:label="loc_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1" xml:lang="en-US"> Business Acquisition, Date of Acquisition Agreement </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1" xml:lang="en-US"> Date of acquisition agreement </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1" xlink:to="lab_us-gaap_BusinessAcquisitionDateOfAcquisitionAgreement1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionEquityInterestIssuedOrIssuableValueAssigned" xlink:label="loc_us-gaap_BusinessAcquisitionEquityInterestIssuedOrIssuableValueAssigned"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionEquityInterestIssuedOrIssuableValueAssigned" xml:lang="en-US"> Business Acquisition, Equity Interest Issued or Issuable, Value Assigned </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionEquityInterestIssuedOrIssuableValueAssigned" xml:lang="en-US"> Consideration </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionEquityInterestIssuedOrIssuableValueAssigned" xlink:to="lab_us-gaap_BusinessAcquisitionEquityInterestIssuedOrIssuableValueAssigned"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xml:lang="en-US"> Business Combination, Consideration Transferred </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xml:lang="en-US"> Business combination consideration received in full </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xml:lang="en-US"> Business Combination, Consideration Transferred </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:to="lab_us-gaap_BusinessCombinationConsiderationTransferred1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PercentageOfSubsidiaryEquityInterestPledged" xlink:label="loc_pt_PercentageOfSubsidiaryEquityInterestPledged"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PercentageOfSubsidiaryEquityInterestPledged" xml:lang="en-US"> Percentage Of Subsidiary Equity Interest Pledged </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PercentageOfSubsidiaryEquityInterestPledged" xml:lang="en-US"> Percentage Of Subsidiary Equity Interest Pledged </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PercentageOfSubsidiaryEquityInterestPledged" xlink:to="lab_pt_PercentageOfSubsidiaryEquityInterestPledged"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PercentageOfSubsidiaryEquityInterestPledged" xml:lang="en-US"> Percentage of subsidiary equity interest pledged. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionSharePrice" xlink:label="loc_us-gaap_BusinessAcquisitionSharePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BusinessAcquisitionSharePrice" xml:lang="en-US"> Business Acquisition, Share Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_BusinessAcquisitionSharePrice" xml:lang="en-US"> Consideration,Warrant shares issued price to Otov Alfa Holding Limited </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionSharePrice" xlink:to="lab_us-gaap_BusinessAcquisitionSharePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyCosts" xlink:label="loc_us-gaap_RelatedPartyCosts"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyCosts" xml:lang="en-US"> Related Party Costs </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/definitionGuidance" xlink:label="lab_us-gaap_RelatedPartyCosts" xml:lang="en-US"> Transaction service fee </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RelatedPartyCosts" xml:lang="en-US"> Service cost charged by the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyCosts" xlink:to="lab_us-gaap_RelatedPartyCosts"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate" xlink:label="loc_pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate" xml:lang="en-US"> Business Acquisition Description Of Effective Closing Date </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate" xml:lang="en-US"> Description Of Effective Closing Date </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate" xlink:to="lab_pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BusinessAcquisitionDescriptionOfEffectiveClosingDate" xml:lang="en-US"> Business acquisition description of effective closing date. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebt" xlink:label="loc_us-gaap_ConvertibleDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ConvertibleDebt" xml:lang="en-US"> Convertible Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ConvertibleDebt" xml:lang="en-US"> Convertible debt received </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConvertibleDebt" xlink:to="lab_us-gaap_ConvertibleDebt"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtTerm" xlink:label="loc_us-gaap_LongTermDebtTerm"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LongTermDebtTerm" xml:lang="en-US"> Long-term Debt, Term </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_LongTermDebtTerm" xml:lang="en-US"> Convertible debt instrument term </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtTerm" xlink:to="lab_us-gaap_LongTermDebtTerm"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedInterestExpenses" xlink:label="loc_pt_AccruedInterestExpenses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccruedInterestExpenses" xml:lang="en-US"> Accrued interest expenses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_AccruedInterestExpenses" xml:lang="en-US"> Accrued interest expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccruedInterestExpenses" xlink:to="lab_pt_AccruedInterestExpenses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccruedInterestExpenses" xml:lang="en-US"> Accrued interest expenses. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpense" xml:lang="en-US"> Interest Expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpense" xlink:to="lab_us-gaap_InterestExpense"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember" xlink:label="loc_pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember" xml:lang="en-US"> Ningxia Fengyin Enterprise Management Consulting Llp [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember" xml:lang="en-US"> Ningxia Fengyin Enterprise Management Consulting LLP [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember" xlink:to="lab_pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NingxiaFengyinEnterpriseManagementConsultingLlpMember" xml:lang="en-US"> Ningxia fengyin enterprise management consulting llp member. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WarrantMember" xlink:label="loc_us-gaap_WarrantMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_WarrantMember" xml:lang="en-US"> Warrant [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_WarrantMember" xml:lang="en-US"> Warrant [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WarrantMember" xlink:to="lab_us-gaap_WarrantMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfFinancingReceivableTypeOfBorrowerAxis" xlink:label="loc_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerAxis" xml:lang="en-US"> Type of Borrower [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerAxis" xml:lang="en-US"> Type of Borrower [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerAxis" xlink:to="lab_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfFinancingReceivableTypeOfBorrowerDomain" xlink:label="loc_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerDomain" xml:lang="en-US"> Class of Financing Receivable, Type of Borrower [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerDomain" xml:lang="en-US"> Type of Borrower [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerDomain" xlink:to="lab_us-gaap_ClassOfFinancingReceivableTypeOfBorrowerDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_GuangdongHuawenIndustryGroupCoLtdMember" xlink:label="loc_pt_GuangdongHuawenIndustryGroupCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_GuangdongHuawenIndustryGroupCoLtdMember" xml:lang="en-US"> Guangdong Huawen Industry Group Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_GuangdongHuawenIndustryGroupCoLtdMember" xml:lang="en-US"> Guangdong Huawen Industry Group Co Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_GuangdongHuawenIndustryGroupCoLtdMember" xlink:to="lab_pt_GuangdongHuawenIndustryGroupCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_GuangdongHuawenIndustryGroupCoLtdMember" xml:lang="en-US"> Guangdong huawen industry group co ltd member. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OtovAlfaHoldingLimitedMember" xlink:label="loc_pt_OtovAlfaHoldingLimitedMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OtovAlfaHoldingLimitedMember" xml:lang="en-US"> Otov Alfa Holding Limited [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OtovAlfaHoldingLimitedMember" xml:lang="en-US"> Otov Alfa Holding Limited [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OtovAlfaHoldingLimitedMember" xlink:to="lab_pt_OtovAlfaHoldingLimitedMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OtovAlfaHoldingLimitedMember" xml:lang="en-US"> Otov alfa holding limited member. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xml:lang="en-US"> Long-term Debt, Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeAxis" xlink:to="lab_us-gaap_LongtermDebtTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xml:lang="en-US"> Long-term Debt, Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeDomain" xlink:to="lab_us-gaap_LongtermDebtTypeDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMember" xlink:label="loc_us-gaap_LongTermDebtMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LongTermDebtMember" xml:lang="en-US"> Long-term Debt [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMember" xlink:to="lab_us-gaap_LongTermDebtMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedSalariesCurrent" xlink:label="loc_us-gaap_AccruedSalariesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccruedSalariesCurrent" xml:lang="en-US"> Accrued Salaries, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AccruedSalariesCurrent" xml:lang="en-US"> Payroll payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccruedSalariesCurrent" xlink:to="lab_us-gaap_AccruedSalariesCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedRelatedToServiceFeesAndOthersCurrent" xlink:label="loc_pt_AccruedRelatedToServiceFeesAndOthersCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccruedRelatedToServiceFeesAndOthersCurrent" xml:lang="en-US"> Accrued Related to Service Fees and Others, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_AccruedRelatedToServiceFeesAndOthersCurrent" xml:lang="en-US"> Professional service fees payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccruedRelatedToServiceFeesAndOthersCurrent" xlink:to="lab_pt_AccruedRelatedToServiceFeesAndOthersCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccruedRelatedToServiceFeesAndOthersCurrent" xml:lang="en-US"> Amount of carrying value as of the balance sheet date of obligations incurred through that date and payable for service fees of the entity's goods and services and expenses incurred but not yet paid classified as other, due within one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ContractWithCustomerLiabilityCurrent" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ContractWithCustomerLiabilityCurrent" xml:lang="en-US"> Contract with Customer, Liability, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ContractWithCustomerLiabilityCurrent" xml:lang="en-US"> Deferred service fee </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractWithCustomerLiabilityCurrent" xlink:to="lab_us-gaap_ContractWithCustomerLiabilityCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OtherAccruedAssetsLiabilitiesCurrent" xlink:label="loc_pt_OtherAccruedAssetsLiabilitiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OtherAccruedAssetsLiabilitiesCurrent" xml:lang="en-US"> Other Accrued Assets Liabilities Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OtherAccruedAssetsLiabilitiesCurrent" xml:lang="en-US"> Others </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OtherAccruedAssetsLiabilitiesCurrent" xlink:to="lab_pt_OtherAccruedAssetsLiabilitiesCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OtherAccruedAssetsLiabilitiesCurrent" xml:lang="en-US"> Other accrued assets liabilities current. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestPayableCurrent" xlink:label="loc_us-gaap_InterestPayableCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestPayableCurrent" xml:lang="en-US"> Interest Payable, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/disclosureGuidance" xlink:label="lab_us-gaap_InterestPayableCurrent" xml:lang="en-US"> Interest payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPayableCurrent" xlink:to="lab_us-gaap_InterestPayableCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ContingentInvestmentConsiderationPayable" xlink:label="loc_pt_ContingentInvestmentConsiderationPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ContingentInvestmentConsiderationPayable" xml:lang="en-US"> Contingent Investment Consideration Payable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ContingentInvestmentConsiderationPayable" xml:lang="en-US"> Investment consideration payable </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ContingentInvestmentConsiderationPayable" xlink:to="lab_pt_ContingentInvestmentConsiderationPayable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ContingentInvestmentConsiderationPayable" xml:lang="en-US"> Contingent investment consideration payable. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" xlink:label="loc_pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" xml:lang="en-US"> Accrued Payable Investors And Financial Partners For Collecting Principal And Interests On Behalf Of Borrowers </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" xml:lang="en-US"> Payables to individual investors and financial partners for collecting principal and interests on behalf of borrowers </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" xlink:to="lab_pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" xml:lang="en-US"> Accrued payable investors and financial partners for collecting principal and interests on behalf of borrowers. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredGovernmentGrants" xlink:label="loc_pt_DeferredGovernmentGrants"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredGovernmentGrants" xml:lang="en-US"> Deferred Government Grants </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredGovernmentGrants" xml:lang="en-US"> Deferred government grants </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredGovernmentGrants" xlink:to="lab_pt_DeferredGovernmentGrants"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredGovernmentGrants" xml:lang="en-US"> Deferred government grants. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedCollectionOnBehalfOfVendors" xlink:label="loc_pt_AccruedCollectionOnBehalfOfVendors"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AccruedCollectionOnBehalfOfVendors" xml:lang="en-US"> Accrued Collection On Behalf Of Vendors </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AccruedCollectionOnBehalfOfVendors" xml:lang="en-US"> Collection on behalf of vendors </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AccruedCollectionOnBehalfOfVendors" xlink:to="lab_pt_AccruedCollectionOnBehalfOfVendors"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AccruedCollectionOnBehalfOfVendors" xml:lang="en-US"> Accrued Collection On Behalf Of Vendors. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterestTable" xlink:label="loc_us-gaap_MinorityInterestTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MinorityInterestTable" xml:lang="en-US"> Noncontrolling Interest [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestTable" xlink:to="lab_us-gaap_MinorityInterestTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterestLineItems" xlink:label="loc_us-gaap_MinorityInterestLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MinorityInterestLineItems" xml:lang="en-US"> Noncontrolling Interest [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestLineItems" xlink:to="lab_us-gaap_MinorityInterestLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PaymentOfCapitalContribution" xlink:label="loc_pt_PaymentOfCapitalContribution"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PaymentOfCapitalContribution" xml:lang="en-US"> Payment Of Capital Contribution </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PaymentOfCapitalContribution" xml:lang="en-US"> Payment of Capital Contribution </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PaymentOfCapitalContribution" xlink:to="lab_pt_PaymentOfCapitalContribution"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PaymentOfCapitalContribution" xml:lang="en-US"> Payment of capital contribution. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CapitalContributionFromNonControllingInterest" xlink:label="loc_pt_CapitalContributionFromNonControllingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CapitalContributionFromNonControllingInterest" xml:lang="en-US"> Capital Contribution From Non Controlling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_CapitalContributionFromNonControllingInterest" xml:lang="en-US"> Capital Contribution From Non-Controlling Interest </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CapitalContributionFromNonControllingInterest" xlink:to="lab_pt_CapitalContributionFromNonControllingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CapitalContributionFromNonControllingInterest" xml:lang="en-US"> Capital contribution from non controlling interest. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners" xml:lang="en-US"> Noncontrolling Interest, Ownership Percentage by Noncontrolling Owners </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners" xml:lang="en-US"> Minority Interest Ownership Percentage By Noncontrolling Owners </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners" xlink:to="lab_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest" xlink:label="loc_pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest" xml:lang="en-US"> Wholly Foreign Owned Enterprise Of PT Capital Contribution From Non Controlling Interest </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest" xml:lang="en-US"> WFOE of PT. Capital Contribution From Non-Controlling Interest </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest" xlink:to="lab_pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WhollyForeignOwnedEnterpriseOfPTCapitalContributionFromNonControllingInterest" xml:lang="en-US"> Wholly foreign owned enterprise of pt capital contribution from non controlling interest. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PintecGanzhouMember" xlink:label="loc_pt_PintecGanzhouMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PintecGanzhouMember" xml:lang="en-US"> Pintec Ganzhou [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PintecGanzhouMember" xml:lang="en-US"> Pintec Ganzhou [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PintecGanzhouMember" xlink:to="lab_pt_PintecGanzhouMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PintecGanzhouMember" xml:lang="en-US"> Pintec ganzhou. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_MyfinInsuranceMember" xlink:label="loc_pt_MyfinInsuranceMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_MyfinInsuranceMember" xml:lang="en-US"> Myfin Insurance [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_MyfinInsuranceMember" xml:lang="en-US"> Myfin Insurance [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_MyfinInsuranceMember" xlink:to="lab_pt_MyfinInsuranceMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_MyfinInsuranceMember" xml:lang="en-US"> Myfin insurance. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_HuataiNingxiaMember" xlink:label="loc_pt_HuataiNingxiaMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_HuataiNingxiaMember" xml:lang="en-US"> Huatai Ningxia [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_HuataiNingxiaMember" xml:lang="en-US"> Huatai Ningxia [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_HuataiNingxiaMember" xlink:to="lab_pt_HuataiNingxiaMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_CN" xlink:label="loc_country_CN"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_country_CN" xml:lang="en-US"> CHINA </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_country_CN" xml:lang="en-US"> PRC </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_CN" xlink:to="lab_country_CN"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_KY" xlink:label="loc_country_KY"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_country_KY" xml:lang="en-US"> KENTUCKY </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_country_KY" xml:lang="en-US"> Cayman Islands </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_KY" xlink:to="lab_country_KY"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/country/2021/country-2021.xsd#country_HK" xlink:label="loc_country_HK"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_country_HK" xml:lang="en-US"> HONG KONG </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_country_HK" xml:lang="en-US"> Hong Kong </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_HK" xlink:to="lab_country_HK"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SkyCityWfoeMember" xlink:label="loc_pt_SkyCityWfoeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SkyCityWfoeMember" xml:lang="en-US"> Sky City Wfoe [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_SkyCityWfoeMember" xml:lang="en-US"> Sky City WFOE </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SkyCityWfoeMember" xlink:to="lab_pt_SkyCityWfoeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SkyCityWfoeMember" xml:lang="en-US"> The member stands for Sky City WFOE. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PintecBeijingWfoeMember" xlink:label="loc_pt_PintecBeijingWfoeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PintecBeijingWfoeMember" xml:lang="en-US"> Pintec Beijing Wfoe [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PintecBeijingWfoeMember" xml:lang="en-US"> Pintec Beijing WFOE </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PintecBeijingWfoeMember" xlink:to="lab_pt_PintecBeijingWfoeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PintecBeijingWfoeMember" xml:lang="en-US"> The member stands for Pintec Beijing WFOE. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationAllowanceByDeferredTaxAssetAxis" xlink:label="loc_us-gaap_ValuationAllowanceByDeferredTaxAssetAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ValuationAllowanceByDeferredTaxAssetAxis" xml:lang="en-US"> Valuation Allowance by Deferred Tax Asset [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationAllowanceByDeferredTaxAssetAxis" xlink:to="lab_us-gaap_ValuationAllowanceByDeferredTaxAssetAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetDomain" xlink:label="loc_us-gaap_DeferredTaxAssetDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetDomain" xml:lang="en-US"> Deferred Tax Asset [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredTaxAssetDomain" xml:lang="en-US"> Deferred Tax Asset [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetDomain" xlink:to="lab_us-gaap_DeferredTaxAssetDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EntityClassificationsSectorAndEntityAxis" xlink:label="loc_pt_EntityClassificationsSectorAndEntityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EntityClassificationsSectorAndEntityAxis" xml:lang="en-US"> Entity Classifications Sector and Entity [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EntityClassificationsSectorAndEntityAxis" xlink:to="lab_pt_EntityClassificationsSectorAndEntityAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EntityClassificationsSectorAndEntityAxis" xml:lang="en-US"> Information by Sector-wise and entity-wise classification. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SectorAndEntityDomain" xlink:label="loc_pt_SectorAndEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SectorAndEntityDomain" xml:lang="en-US"> Sector And Entity [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_SectorAndEntityDomain" xml:lang="en-US"> Sector And Entity [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SectorAndEntityDomain" xlink:to="lab_pt_SectorAndEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SectorAndEntityDomain" xml:lang="en-US"> Sector-wise and entity-wise classification pertaining to income tax rate status. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_HighAndNewTechnologyEnterprisesMember" xlink:label="loc_pt_HighAndNewTechnologyEnterprisesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_HighAndNewTechnologyEnterprisesMember" xml:lang="en-US"> High And New Technology Enterprises [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_HighAndNewTechnologyEnterprisesMember" xml:lang="en-US"> High and new technology enterprises </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_HighAndNewTechnologyEnterprisesMember" xlink:to="lab_pt_HighAndNewTechnologyEnterprisesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_HighAndNewTechnologyEnterprisesMember" xml:lang="en-US"> Represents classification of High and New Technology Enterprises. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ForeignInvestmentEnterpriseMember" xlink:label="loc_pt_ForeignInvestmentEnterpriseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ForeignInvestmentEnterpriseMember" xml:lang="en-US"> Foreign Investment Enterprise [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ForeignInvestmentEnterpriseMember" xml:lang="en-US"> FIE </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ForeignInvestmentEnterpriseMember" xlink:to="lab_pt_ForeignInvestmentEnterpriseMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ForeignInvestmentEnterpriseMember" xml:lang="en-US"> Represents the information pertaining to foreign investment enterprise. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WithholdingTaxOnDividendsPayment" xlink:label="loc_pt_WithholdingTaxOnDividendsPayment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WithholdingTaxOnDividendsPayment" xml:lang="en-US"> Withholding Tax on Dividends Payment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_WithholdingTaxOnDividendsPayment" xml:lang="en-US"> Withholding tax to be imposed upon payments of dividends to shareholders (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WithholdingTaxOnDividendsPayment" xlink:to="lab_pt_WithholdingTaxOnDividendsPayment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WithholdingTaxOnDividendsPayment" xml:lang="en-US"> Represents the withholding tax rate on dividends payment to shareholders. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US"> Enterprise income tax rate (as a percent) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US"> Statutory income tax rate in PRC </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PreferentialStatutoryIncomeTaxRate" xlink:label="loc_pt_PreferentialStatutoryIncomeTaxRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PreferentialStatutoryIncomeTaxRate" xml:lang="en-US"> Preferential Statutory Income Tax Rate </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PreferentialStatutoryIncomeTaxRate" xml:lang="en-US"> Preferential tax rate (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PreferentialStatutoryIncomeTaxRate" xlink:to="lab_pt_PreferentialStatutoryIncomeTaxRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PreferentialStatutoryIncomeTaxRate" xml:lang="en-US"> Represents the preferential statutory income tax rate applied to entities with certain qualified enterprise classification/status under the income tax law. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WithholdingIncomeTaxRateOnDividendsDistributed" xlink:label="loc_pt_WithholdingIncomeTaxRateOnDividendsDistributed"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WithholdingIncomeTaxRateOnDividendsDistributed" xml:lang="en-US"> Withholding Income Tax Rate on Dividends Distributed </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_WithholdingIncomeTaxRateOnDividendsDistributed" xml:lang="en-US"> Withholding income tax rate on dividends Distributed (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WithholdingIncomeTaxRateOnDividendsDistributed" xlink:to="lab_pt_WithholdingIncomeTaxRateOnDividendsDistributed"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WithholdingIncomeTaxRateOnDividendsDistributed" xml:lang="en-US"> Represents the withholding income tax rate imposed under the income law, on dividends distributed. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong" xlink:label="loc_pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong" xml:lang="en-US"> Maximum Rate of Withholding Tax for Dividends Paid to its Immediate Holding Company In Hong Kong </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong" xml:lang="en-US"> Maximum withholding income tax rate on dividends paid (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong" xlink:to="lab_pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_MaximumRateOfWithholdingTaxForDividendsPaidToItsImmediateHoldingCompanyInHongKong" xml:lang="en-US"> Represents the maximum rate of withholding tax for dividends paid to its immediate holding company in Hong Kong. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xml:lang="en-US"> Deferred Tax Assets, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xml:lang="en-US"> Total deferred tax assets, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:to="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwards" xlink:label="loc_us-gaap_OperatingLossCarryforwards"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLossCarryforwards" xml:lang="en-US"> Operating Loss Carryforwards </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OperatingLossCarryforwards" xml:lang="en-US"> Operating loss carryforwards </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OperatingLossCarryforwards" xml:lang="en-US"> Net operating loss carryforwards </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLossCarryforwards" xlink:to="lab_us-gaap_OperatingLossCarryforwards"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProfitRangeAxis" xlink:label="loc_pt_ProfitRangeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProfitRangeAxis" xml:lang="en-US"> Profit Range [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProfitRangeAxis" xlink:to="lab_pt_ProfitRangeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProfitRangeAxis" xml:lang="en-US"> Profit range. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProfitRangeDomain" xlink:label="loc_pt_ProfitRangeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProfitRangeDomain" xml:lang="en-US"> Profit Range [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProfitRangeDomain" xlink:to="lab_pt_ProfitRangeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProfitRangeDomain" xml:lang="en-US"> Profit range. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProfitAboveTwoMillionHonkongDollarMember" xlink:label="loc_pt_ProfitAboveTwoMillionHonkongDollarMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProfitAboveTwoMillionHonkongDollarMember" xml:lang="en-US"> Profit Above Two Million Honkong Dollar [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProfitAboveTwoMillionHonkongDollarMember" xml:lang="en-US"> Profit Above 2 Million HK Dollar </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProfitAboveTwoMillionHonkongDollarMember" xlink:to="lab_pt_ProfitAboveTwoMillionHonkongDollarMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProfitBelowTwoMillionHonkongDollarMember" xlink:label="loc_pt_ProfitBelowTwoMillionHonkongDollarMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProfitBelowTwoMillionHonkongDollarMember" xml:lang="en-US"> Profit Below Two Million Honkong Dollar [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProfitBelowTwoMillionHonkongDollarMember" xml:lang="en-US"> Profit Below 2 Million HK Dollar </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProfitBelowTwoMillionHonkongDollarMember" xlink:to="lab_pt_ProfitBelowTwoMillionHonkongDollarMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US"> Income Tax Expense (Benefit), Continuing Operations [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract" xml:lang="en-US"> Current and deferred portion of income tax expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xml:lang="en-US"> Current Income Tax Expense (Benefit) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xml:lang="en-US"> Current income tax expense </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentIncomeTaxExpenseBenefit"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance" xml:lang="en-US"> Changes in valuation allowance </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss" xlink:label="loc_pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss" xml:lang="en-US"> Effective Income Tax Rate Reconciliation Unrecognized Loss </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss" xml:lang="en-US"> Tax effect of unrecognized loss </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss" xlink:to="lab_pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationUnrecognizedLoss" xml:lang="en-US"> Effective income tax rate reconciliation unrecognized loss. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Foreign Income Tax Rate Differential, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" xml:lang="en-US"> Tax effect of different tax rates in other jurisdictions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent" xlink:label="loc_pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Preferential Tax Treatments, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent" xml:lang="en-US"> Tax effect of preferred tax rate </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent" xlink:to="lab_pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationPreferentialTaxTreatmentsPercent" xml:lang="en-US"> Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to preferential tax treatments. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xml:lang="en-US"> Tax effect of tax-exempt entities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xml:lang="en-US"> Effective tax rate </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Nondeductible Expense, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense" xml:lang="en-US"> Tax effect of non-deductible expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards" xlink:label="loc_pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards" xml:lang="en-US"> Effective Income Tax Rate Reconciliation Expired Tax Attribute Carryforwards </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards" xml:lang="en-US"> Tax effect of expired tax attribute carryforwards </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards" xlink:to="lab_pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationExpiredTaxAttributeCarryforwards" xml:lang="en-US"> Effective income tax rate reconciliation expired tax attribute carryforwards. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction" xlink:label="loc_pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction" xml:lang="en-US"> Effective Income Tax Rate Reconciliation Research And Development Expense Additional Deduction </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction" xml:lang="en-US"> Tax effect of R&D expense additional deduction </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction" xlink:to="lab_pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EffectiveIncomeTaxRateReconciliationResearchAndDevelopmentExpenseAdditionalDeduction" xml:lang="en-US"> Effective income tax rate reconciliation research and development expense additional deduction. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xml:lang="en-US"> Tax effect of deferred tax effect of tax rate change </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Nondeductible Expense, Impairment Losses, Percent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses" xml:lang="en-US"> Tax effect of goodwill impairment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage" xlink:label="loc_pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage" xml:lang="en-US"> Effective Income Tax Reconciliation Non Deductible Interest Expenses Percentage </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage" xml:lang="en-US"> Tax effect of non-deductible interest expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage" xlink:to="lab_pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_EffectiveIncomeTaxReconciliationNonDeductibleInterestExpensesPercentage" xml:lang="en-US"> Effective income tax reconciliation non deductible interest expenses percentage. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract" xlink:label="loc_us-gaap_DeferredTaxAssetsNetAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xml:lang="en-US"> Deferred Tax Assets, Net [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xml:lang="en-US"> Deferred tax assets: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract" xlink:to="lab_us-gaap_DeferredTaxAssetsNetAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsDeductibleAdvertisingFees" xlink:label="loc_pt_DeferredTaxAssetsDeductibleAdvertisingFees"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsDeductibleAdvertisingFees" xml:lang="en-US"> Deferred Tax Assets, Deductible Advertising Fees </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsDeductibleAdvertisingFees" xml:lang="en-US"> Deductible advertising fees </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsDeductibleAdvertisingFees" xlink:to="lab_pt_DeferredTaxAssetsDeductibleAdvertisingFees"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsDeductibleAdvertisingFees" xml:lang="en-US"> Amount represents the deductible advertising fees of deferred tax assets </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsGuaranteeLiabilities" xlink:label="loc_pt_DeferredTaxAssetsGuaranteeLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsGuaranteeLiabilities" xml:lang="en-US"> Deferred Tax Assets Guarantee Liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsGuaranteeLiabilities" xml:lang="en-US"> Guarantee liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsGuaranteeLiabilities" xlink:to="lab_pt_DeferredTaxAssetsGuaranteeLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsGuaranteeLiabilities" xml:lang="en-US"> Deferred tax assets guarantee liabilities. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" xlink:label="loc_pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" xml:lang="en-US"> Deferred Tax Assets, Operating Loss Carryforwards Acquired in Business Combination </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" xml:lang="en-US"> Accrued expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" xlink:to="lab_pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" xml:lang="en-US"> Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards acquired in a business combination. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xml:lang="en-US"> Deferred Tax Assets, Operating Loss Carryforwards </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xml:lang="en-US"> Net operating loss carry forwards </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:to="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsDeferredIncome" xlink:label="loc_us-gaap_DeferredTaxAssetsDeferredIncome"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetsDeferredIncome" xml:lang="en-US"> Deferred Tax Assets, Deferred Income </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsDeferredIncome" xml:lang="en-US"> Deferred revenue from Upfront assessment fee under 606 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsDeferredIncome" xlink:to="lab_us-gaap_DeferredTaxAssetsDeferredIncome"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" xlink:label="loc_pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" xml:lang="en-US"> Deferred Tax Assets Allowance For Doubtful Accounts Credit Losses And Impairment Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" xml:lang="en-US"> Allowance for doubtful accounts and credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" xlink:to="lab_pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" xml:lang="en-US"> Deferred tax assets allowance for doubtful accounts credit losses and impairment losses. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsImpairmentOfLongTermInvestment" xlink:label="loc_pt_DeferredTaxAssetsImpairmentOfLongTermInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsImpairmentOfLongTermInvestment" xml:lang="en-US"> Deferred Tax Assets Impairment Of Long Term Investment </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsImpairmentOfLongTermInvestment" xml:lang="en-US"> Impairment of long-term investment </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsImpairmentOfLongTermInvestment" xlink:to="lab_pt_DeferredTaxAssetsImpairmentOfLongTermInvestment"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsImpairmentOfLongTermInvestment" xml:lang="en-US"> Deferred tax assets impairment of long term investment. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="loc_us-gaap_DeferredTaxAssetsGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetsGross" xml:lang="en-US"> Deferred Tax Assets, Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsGross" xml:lang="en-US"> Subtotal </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="lab_us-gaap_DeferredTaxAssetsGross"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsLessValuationAllowance" xlink:label="loc_pt_DeferredTaxAssetsLessValuationAllowance"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsLessValuationAllowance" xml:lang="en-US"> Deferred Tax Assets, Less Valuation Allowance </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_DeferredTaxAssetsLessValuationAllowance" xml:lang="en-US"> Less: valuation allowance </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsLessValuationAllowance" xlink:to="lab_pt_DeferredTaxAssetsLessValuationAllowance"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsLessValuationAllowance" xml:lang="en-US"> Deferred tax assets less valuation allowance. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesAbstract" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xml:lang="en-US"> Deferred Tax Liabilities, Gross [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xml:lang="en-US"> Deferred tax liabilities: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination" xlink:label="loc_pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination" xml:lang="en-US"> Deferred Tax Liabilities Intangible Assets In A Business Combination </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination" xml:lang="en-US"> Intangible assets acquired in a business combination </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination" xlink:to="lab_pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxLiabilitiesIntangibleAssetsInABusinessCombination" xml:lang="en-US"> Amount of deferred tax liabilities intangible assets in a business combination. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsLiabilities" xlink:label="loc_pt_DeferredTaxAssetsLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsLiabilities" xml:lang="en-US"> Deferred Tax Assets Liabilities </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsLiabilities" xml:lang="en-US"> Net deferred tax liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsLiabilities" xlink:to="lab_pt_DeferredTaxAssetsLiabilities"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsLiabilities" xml:lang="en-US"> Deferred tax assets liabilities. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxLiabilitiesNet" xlink:label="loc_pt_DeferredTaxLiabilitiesNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxLiabilitiesNet" xml:lang="en-US"> Deferred Tax Liabilities Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_pt_DeferredTaxLiabilitiesNet" xml:lang="en-US"> Net deferred tax liabilities </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxLiabilitiesNet" xlink:to="lab_pt_DeferredTaxLiabilitiesNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxLiabilitiesNet" xml:lang="en-US"> Amount of deferred tax liabilities net. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsValuationAllowanceReversals" xlink:label="loc_pt_DeferredTaxAssetsValuationAllowanceReversals"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsValuationAllowanceReversals" xml:lang="en-US"> Deferred Tax Assets, Valuation Allowance Reversals </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_DeferredTaxAssetsValuationAllowanceReversals" xml:lang="en-US"> Reversals </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsValuationAllowanceReversals" xlink:to="lab_pt_DeferredTaxAssetsValuationAllowanceReversals"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsValuationAllowanceReversals" xml:lang="en-US"> Amount of decrease in the valuation allowance for a specified deferred tax asset due to reversals. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsValuationAllowance" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xml:lang="en-US"> Deferred Tax Assets, Valuation Allowance </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xml:lang="en-US"> Balance at end of the year </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xml:lang="en-US"> Balance at beginning of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:to="lab_us-gaap_DeferredTaxAssetsValuationAllowance"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xml:lang="en-US"> Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xml:lang="en-US"> Additions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:to="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary" xlink:label="loc_pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary" xml:lang="en-US"> Deferred Tax Assets Valuation Allowance Decrease In Disposal Of Subsidiary </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary" xml:lang="en-US"> Decrease in disposal of a subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary" xlink:to="lab_pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DeferredTaxAssetsValuationAllowanceDecreaseInDisposalOfSubsidiary" xml:lang="en-US"> Deferred tax assets valuation allowance decrease in disposal of subsidiary. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxPeriodAxis" xlink:label="loc_us-gaap_TaxPeriodAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TaxPeriodAxis" xml:lang="en-US"> Tax Period [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TaxPeriodAxis" xlink:to="lab_us-gaap_TaxPeriodAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxPeriodDomain" xlink:label="loc_us-gaap_TaxPeriodDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TaxPeriodDomain" xml:lang="en-US"> Tax Period [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TaxPeriodDomain" xlink:to="lab_us-gaap_TaxPeriodDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwardsTable" xlink:label="loc_us-gaap_OperatingLossCarryforwardsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLossCarryforwardsTable" xml:lang="en-US"> Operating Loss Carryforwards [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLossCarryforwardsTable" xlink:to="lab_us-gaap_OperatingLossCarryforwardsTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwardsLineItems" xlink:label="loc_us-gaap_OperatingLossCarryforwardsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLossCarryforwardsLineItems" xml:lang="en-US"> Operating Loss Carryforwards [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems" xlink:to="lab_us-gaap_OperatingLossCarryforwardsLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TaxYearTwoThousandAndTwentyFourMember" xlink:label="loc_pt_TaxYearTwoThousandAndTwentyFourMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TaxYearTwoThousandAndTwentyFourMember" xml:lang="en-US"> Tax Year Two Thousand And Twenty Four [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TaxYearTwoThousandAndTwentyFourMember" xml:lang="en-US"> 2024 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TaxYearTwoThousandAndTwentyFourMember" xlink:to="lab_pt_TaxYearTwoThousandAndTwentyFourMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TaxYearTwoThousandAndTwoMember" xlink:label="loc_pt_TaxYearTwoThousandAndTwoMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TaxYearTwoThousandAndTwoMember" xml:lang="en-US"> Tax Year Two Thousand And Two [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TaxYearTwoThousandAndTwoMember" xml:lang="en-US"> 2022 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TaxYearTwoThousandAndTwoMember" xlink:to="lab_pt_TaxYearTwoThousandAndTwoMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TaxYearTwoThousandAndTwentyThreeMember" xlink:label="loc_pt_TaxYearTwoThousandAndTwentyThreeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TaxYearTwoThousandAndTwentyThreeMember" xml:lang="en-US"> Tax Year Two Thousand And Twenty Three [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TaxYearTwoThousandAndTwentyThreeMember" xml:lang="en-US"> 2023 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TaxYearTwoThousandAndTwentyThreeMember" xlink:to="lab_pt_TaxYearTwoThousandAndTwentyThreeMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TaxYeartWoThousandAndTwentyFiveMember" xlink:label="loc_pt_TaxYeartWoThousandAndTwentyFiveMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TaxYeartWoThousandAndTwentyFiveMember" xml:lang="en-US"> Tax YearT wo Thousand And Twenty Five [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TaxYeartWoThousandAndTwentyFiveMember" xml:lang="en-US"> 2025 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TaxYeartWoThousandAndTwentyFiveMember" xlink:to="lab_pt_TaxYeartWoThousandAndTwentyFiveMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TaxYearTwoThousandAndTwentySixMember" xlink:label="loc_pt_TaxYearTwoThousandAndTwentySixMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TaxYearTwoThousandAndTwentySixMember" xml:lang="en-US"> Tax Year Two Thousand And Twenty Six [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TaxYearTwoThousandAndTwentySixMember" xml:lang="en-US"> 2026 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TaxYearTwoThousandAndTwentySixMember" xlink:to="lab_pt_TaxYearTwoThousandAndTwentySixMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_TaxYearTwoThousandAndTwentySixMember" xml:lang="en-US"> Tax year two thousand and twenty six. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis" xlink:label="loc_us-gaap_AwardTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AwardTypeAxis" xml:lang="en-US"> Award Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="lab_us-gaap_AwardTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xml:lang="en-US"> Equity Award [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xml:lang="en-US"> Equity Award [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOptionMember" xlink:label="loc_us-gaap_EmployeeStockOptionMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xml:lang="en-US"> Employee Stock Option [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xml:lang="en-US"> Service-based share options </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeStockOptionMember" xlink:to="lab_us-gaap_EmployeeStockOptionMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" xlink:label="loc_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Weighted Average Remaining Contractual Term [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" xml:lang="en-US"> Weighted Average Remaining Contractual Life </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" xlink:to="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" xml:lang="en-US"> No definition available. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xml:lang="en-US"> Vested and expected to vest (in years) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xml:lang="en-US"> Exercisable (in years) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xml:lang="en-US"> Outstanding (in years) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm" xlink:label="loc_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm" xml:lang="en-US"> Sharebased Compensation Arrangement By Sharebased Payment Award Options Unvested Weighted Average Remaining Contractual Term </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm" xml:lang="en-US"> Unvested as of December 31, 2021 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm" xlink:to="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedWeightedAverageRemainingContractualTerm" xml:lang="en-US"> Sharebased compensation arrangement by sharebased payment award options unvested weighted average remaining contractual term </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" xlink:label="loc_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Aggregate Intrinsic Value[Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" xml:lang="en-US"> Average Intrinsic Value </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" xlink:to="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" xml:lang="en-US"> No definition available. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xml:lang="en-US"> Exercisable at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xml:lang="en-US"> Vested and expected to vest at end of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xml:lang="en-US"> Outstanding at ending of the year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US"> Exercised </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xml:lang="en-US"> Intrinsic value of options exercised </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue" xlink:label="loc_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue" xml:lang="en-US"> Sharebased Compensation Arrangement By Sharebased Payment Award Options Unvested Aggregate Intrinsic Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue" xml:lang="en-US"> Unvested as of December 31, 2021 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue" xlink:to="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsUnvestedAggregateIntrinsicValue" xml:lang="en-US"> Sharebased compensation arrangement by sharebased payment award options unvested aggregate intrinsic value. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany" xlink:label="loc_pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany" xml:lang="en-US"> Share Based Compensation Expenses Allocated From Holding Company </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany" xml:lang="en-US"> Share-based compensation expenses allocated from Jimu Parent </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany" xlink:to="lab_pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShareBasedCompensationExpensesAllocatedFromHoldingCompany" xml:lang="en-US"> Amount of share-based compensation expenses allocated from holding company. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xml:lang="en-US"> Options Outstanding </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xml:lang="en-US"> Outstanding at end of the year (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xml:lang="en-US"> Forfeited (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xml:lang="en-US"> Exercisable at end of the year (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xml:lang="en-US"> unVested at end of the year (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xml:lang="en-US"> Granted (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Nonvested, Number of Shares </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares" xml:lang="en-US"> Unvested as of December 31, 2021 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xml:lang="en-US"> Weighted Average Exercise Price </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xml:lang="en-US"> Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xml:lang="en-US"> Exercised (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xml:lang="en-US"> Exercisable at end of the year (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xml:lang="en-US"> Share-based Compensation Arrangements by Share-based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xml:lang="en-US"> Forfeited (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xml:lang="en-US"> Outstanding at end of the year (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xml:lang="en-US"> unVested and expected to vest at end of the year (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Option, Nonvested, Weighted Average Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US"> Unvested as of December 31, 2021 </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember" xlink:label="loc_us-gaap_RestrictedStockMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RestrictedStockMember" xml:lang="en-US"> Restricted Stock [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RestrictedStockMember" xml:lang="en-US"> Restricted share </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedStockMember" xlink:to="lab_us-gaap_RestrictedStockMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PerformanceSharesMember" xlink:label="loc_us-gaap_PerformanceSharesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PerformanceSharesMember" xml:lang="en-US"> Performance Shares [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PerformanceSharesMember" xml:lang="en-US"> Performance Shares [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PerformanceSharesMember" xlink:to="lab_us-gaap_PerformanceSharesMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria" xlink:label="loc_pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria" xml:lang="en-US"> Number of Monthly Installments Upon Meeting the Vesting Criteria </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria" xml:lang="en-US"> Number of equal and continuous monthly installments upon meting the vesting criteria </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria" xlink:to="lab_pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NumberOfMonthlyInstallmentsUponMeetingVestingCriteria" xml:lang="en-US"> Represents number of equal and continuous monthly installments upon meting the vesting criteria. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xml:lang="en-US"> Number of shares </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US"> Forfeited (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US"> Unvested at beginning of the year (in shares) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xml:lang="en-US"> Unvested at end of the year (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xml:lang="en-US"> Weighted-Average Grant Date Fair Value </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US"> Unvested at beginning of the year (in shares) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US"> Unvested at end of the year (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xml:lang="en-US"> Forfeited (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US"> Vested (in dollars per share) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US"> Vested (in shares) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Additional Disclosures [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xml:lang="en-US"> Additional information </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xml:lang="en-US"> Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xml:lang="en-US"> Unrecognized compensation cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US"> Restricted shares, issued </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_WeightedAvergePeriodOfUnrecognizedCompensationCost" xlink:label="loc_pt_WeightedAvergePeriodOfUnrecognizedCompensationCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_WeightedAvergePeriodOfUnrecognizedCompensationCost" xml:lang="en-US"> Weighted averge period of unrecognized compensation cost </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_WeightedAvergePeriodOfUnrecognizedCompensationCost" xml:lang="en-US"> Weighted averge period of unrecognized compensation cost </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_WeightedAvergePeriodOfUnrecognizedCompensationCost" xlink:to="lab_pt_WeightedAvergePeriodOfUnrecognizedCompensationCost"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_WeightedAvergePeriodOfUnrecognizedCompensationCost" xml:lang="en-US"> Weighted averge period of unrecognized compensation cost. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PercentageOfCommonSharesBecameRestricted" xlink:label="loc_pt_PercentageOfCommonSharesBecameRestricted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PercentageOfCommonSharesBecameRestricted" xml:lang="en-US"> Percentage of Common Shares Became Restricted </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_PercentageOfCommonSharesBecameRestricted" xml:lang="en-US"> Ordinary shares became restricted (as a percent) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PercentageOfCommonSharesBecameRestricted" xlink:to="lab_pt_PercentageOfCommonSharesBecameRestricted"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PercentageOfCommonSharesBecameRestricted" xml:lang="en-US"> Represents percentage of ordinary shares became restricted pursuant to the shareholders' agreement. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_CommonSharesHeldByCertainMembersOfSeniorManagement" xlink:label="loc_pt_CommonSharesHeldByCertainMembersOfSeniorManagement"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_CommonSharesHeldByCertainMembersOfSeniorManagement" xml:lang="en-US"> Common Shares Held by Certain Members of Senior Management </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_CommonSharesHeldByCertainMembersOfSeniorManagement" xml:lang="en-US"> Ordinary shares held by certain members of senior management </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_CommonSharesHeldByCertainMembersOfSeniorManagement" xlink:to="lab_pt_CommonSharesHeldByCertainMembersOfSeniorManagement"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_CommonSharesHeldByCertainMembersOfSeniorManagement" xml:lang="en-US"> Number of ordinary shares held by certain members of senior management. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharePrice" xlink:label="loc_us-gaap_SharePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharePrice" xml:lang="en-US"> Share Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharePrice" xml:lang="en-US"> Weighted average grant date fair value of options granted (in dollars per share) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SharePrice" xml:lang="en-US"> Fair value of the underlying shares on the date of option grants </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharePrice" xlink:to="lab_us-gaap_SharePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_TitleOfIndividualAxis" xlink:label="loc_srt_TitleOfIndividualAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_TitleOfIndividualAxis" xml:lang="en-US"> Title of Individual [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_TitleOfIndividualAxis" xml:lang="en-US"> Title of Individual [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_srt_TitleOfIndividualAxis" xml:lang="en-US"> Title of Individual [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_TitleOfIndividualAxis" xlink:to="lab_srt_TitleOfIndividualAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xml:lang="en-US"> Title of Individual [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xml:lang="en-US"> Title of Individual [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xml:lang="en-US"> Title of Individual [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:to="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Exercise Price </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xml:lang="en-US"> Exercise price </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePrice"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xml:lang="en-US"> Weighted-Average Grant-Date Fair Value </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US"> Granted (in dollars per share) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US"> Weighted average grant date fair value of options granted </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions and Methodology [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xml:lang="en-US"> Fair value assumptions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsAndMethodologyAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xml:lang="en-US"> Expected term (in years) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xml:lang="en-US"> Expected dividend yield </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xml:lang="en-US"> Expected volatility </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples" xlink:label="loc_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples" xml:lang="en-US"> Share Based Compensation Arrangement by Share Based Payment Award Fair Value Assumptions Exercise Price Multiples </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples" xml:lang="en-US"> Exercise multiples </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples" xlink:to="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExercisePriceMultiples" xml:lang="en-US"> Represents agreed-upon multiple price for the exchange of the underlying asset relating to the share-based payment award. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xml:lang="en-US"> Risk-free interest rate </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xml:lang="en-US"> Additional Information </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Percentage of Outstanding Stock Maximum </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum" xml:lang="en-US"> Share based compensation by share based payment arrangement percentage of outstanding stock eligible to be issued as stock options </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xml:lang="en-US"> Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Stock Options </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xml:lang="en-US"> Unrecognized share-based compensation expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedmemberMember" xlink:label="loc_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedmemberMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedmemberMember" xml:lang="en-US"> Jimu Holdings Limited Formerly Known As Pintec Holdings Limited Member [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedmemberMember" xlink:to="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedmemberMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedmemberMember" xml:lang="en-US"> Jimu Holdings Limited Formerly Known As Pintec Holdings Limited [Member] . </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameAxis" xlink:label="loc_us-gaap_PlanNameAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PlanNameAxis" xml:lang="en-US"> Plan Name [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanNameAxis" xlink:to="lab_us-gaap_PlanNameAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameDomain" xlink:label="loc_us-gaap_PlanNameDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PlanNameDomain" xml:lang="en-US"> Plan Name [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanNameDomain" xlink:to="lab_us-gaap_PlanNameDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_SecondShareIncentivePlanMember" xlink:label="loc_pt_SecondShareIncentivePlanMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_SecondShareIncentivePlanMember" xml:lang="en-US"> Second Share Incentive Plan [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_SecondShareIncentivePlanMember" xlink:to="lab_pt_SecondShareIncentivePlanMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_SecondShareIncentivePlanMember" xml:lang="en-US"> Second Share Incentive Plan [Member]. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:label="loc_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xml:lang="en-US"> Exercise Price Range [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xml:lang="en-US"> Exercise price range [axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:to="lab_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:label="loc_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xml:lang="en-US"> Exercise Price Range [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xml:lang="en-US"> Exercise price range [domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:to="lab_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xml:lang="en-US"> Schedule of Related Party Transactions, by Related Party [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/currency/2021/currency-2021.xsd#currency_USD" xlink:label="loc_currency_USD"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_currency_USD" xml:lang="en-US"> United States of America, Dollars </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_currency_USD" xml:lang="en-US"> US dominated </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_USD" xlink:to="lab_currency_USD"/>
<loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/currency/2021/currency-2021.xsd#currency_CNY" xlink:label="loc_currency_CNY"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_currency_CNY" xml:lang="en-US"> China, Yuan Renminbi </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_currency_CNY" xml:lang="en-US"> RMB dominated </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_currency_CNY" xlink:to="lab_currency_CNY"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionLineItems" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xml:lang="en-US"> Related Party Transaction [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xml:lang="en-US"> Related party transactions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems" xlink:to="lab_us-gaap_RelatedPartyTransactionLineItems"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AddtionalPaymentsToAcquireBusinessesGross" xlink:label="loc_pt_AddtionalPaymentsToAcquireBusinessesGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AddtionalPaymentsToAcquireBusinessesGross" xml:lang="en-US"> Addtional Payments To Acquire Businesses Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AddtionalPaymentsToAcquireBusinessesGross" xml:lang="en-US"> Additional Cash consideration </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AddtionalPaymentsToAcquireBusinessesGross" xlink:to="lab_pt_AddtionalPaymentsToAcquireBusinessesGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AddtionalPaymentsToAcquireBusinessesGross" xml:lang="en-US"> Addtional payments to acquire businesses gross. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:label="loc_us-gaap_RevenueFromRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RevenueFromRelatedParties" xml:lang="en-US"> Revenue from Related Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_us-gaap_RevenueFromRelatedParties" xml:lang="en-US"> Collection service fees charged by Beijing Liangduo and Changsha Liangduo </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RevenueFromRelatedParties" xml:lang="en-US"> Interest income from related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueFromRelatedParties" xlink:to="lab_us-gaap_RevenueFromRelatedParties"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseRelatedParty" xlink:label="loc_us-gaap_InterestExpenseRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpenseRelatedParty" xml:lang="en-US"> Interest Expense, Related Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestExpenseRelatedParty" xml:lang="en-US"> Interest expense on borrowings from the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseRelatedParty" xlink:to="lab_us-gaap_InterestExpenseRelatedParty"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses" xlink:label="loc_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses" xml:lang="en-US"> Due From Related Parties Current Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses" xml:lang="en-US"> Allowance for credit losses, due from related parties current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses" xml:lang="en-US"> Allowance for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses" xlink:to="lab_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesCurrentAllowanceForCreditLosses" xml:lang="en-US"> Due From Related Parties Current Allowance For Credit Losses </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BorrowingInterestsPaidToHoldingCompany" xlink:label="loc_pt_BorrowingInterestsPaidToHoldingCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BorrowingInterestsPaidToHoldingCompany" xml:lang="en-US"> Borrowing Interests Paid To Holding Company </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_BorrowingInterestsPaidToHoldingCompany" xml:lang="en-US"> Borrowing interests paid to the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BorrowingInterestsPaidToHoldingCompany" xlink:to="lab_pt_BorrowingInterestsPaidToHoldingCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BorrowingInterestsPaidToHoldingCompany" xml:lang="en-US"> Borrowing interests paid to holding company. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany" xlink:label="loc_pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany" xml:lang="en-US"> Loan Interests Collected From Borrowers on Behalf of Holding Company </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany" xml:lang="en-US"> Collecting principal and interests from borrowers on behalf of the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany" xlink:to="lab_pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompany" xml:lang="en-US"> Loan interests collected from borrowers on behalf of holding company. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty" xlink:label="loc_pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty" xml:lang="en-US"> Repayment of Loan Interests Collected From Borrowers on Behalf of Holding Company To Other Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty" xml:lang="en-US"> Repayment of principal and interest collected from borrowers to Shengyuan on behalf of Jimu group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty" xlink:to="lab_pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_RepaymentOfLoanInterestsCollectedFromBorrowersOnBehalfOfHoldingCompanyToOtherParty" xml:lang="en-US"> Repayment of loan interests collected from borrowers on behalf of holding company to other party </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProceedsFromRelatedPartyLoan" xlink:label="loc_pt_ProceedsFromRelatedPartyLoan"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProceedsFromRelatedPartyLoan" xml:lang="en-US"> Proceeds from Related Party Loan </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/presentationGuidance" xlink:label="lab_pt_ProceedsFromRelatedPartyLoan" xml:lang="en-US"> Principal of borrowings proceeds from the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProceedsFromRelatedPartyLoan" xlink:to="lab_pt_ProceedsFromRelatedPartyLoan"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProceedsFromRelatedPartyLoan" xml:lang="en-US"> The cash inflow from proceeds from related party loan. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueToRelatedPartiesOffsetAgainstRecievables" xlink:label="loc_pt_DueToRelatedPartiesOffsetAgainstRecievables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueToRelatedPartiesOffsetAgainstRecievables" xml:lang="en-US"> Due To Related Parties Offset Against Recievables </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DueToRelatedPartiesOffsetAgainstRecievables" xml:lang="en-US"> Due to related parties, offset against recievables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueToRelatedPartiesOffsetAgainstRecievables" xlink:to="lab_pt_DueToRelatedPartiesOffsetAgainstRecievables"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueToRelatedPartiesOffsetAgainstRecievables" xml:lang="en-US"> Due to related parties, offset against recievables. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses" xlink:label="loc_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses" xml:lang="en-US"> Due From Related Parties Noncurrent Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses" xml:lang="en-US"> Allowance for credit losses, due from related parties noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses" xml:lang="en-US"> Allowance for credit losses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses" xlink:to="lab_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesNoncurrentAllowanceForCreditLosses" xml:lang="en-US"> Due From Related Parties Noncurrent Allowance For Credit Losses </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfRelatedPartyDebt" xlink:label="loc_us-gaap_RepaymentsOfRelatedPartyDebt"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RepaymentsOfRelatedPartyDebt" xml:lang="en-US"> Repayments of Related Party Debt </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_RepaymentsOfRelatedPartyDebt" xml:lang="en-US"> Cash repayment to Jimu Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfRelatedPartyDebt" xlink:to="lab_us-gaap_RepaymentsOfRelatedPartyDebt"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ProvisionForDueFromRelatedParties" xlink:label="loc_pt_ProvisionForDueFromRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ProvisionForDueFromRelatedParties" xml:lang="en-US"> Provision For Due From Related Parties </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ProvisionForDueFromRelatedParties" xml:lang="en-US"> Additional provision for allowance for credit losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_ProvisionForDueFromRelatedParties" xml:lang="en-US"> Additions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ProvisionForDueFromRelatedParties" xlink:to="lab_pt_ProvisionForDueFromRelatedParties"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ProvisionForDueFromRelatedParties" xml:lang="en-US"> Amount of credit loss expense (reversal of expense) for due from related parties. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TechnicalServiceFeeCollectedByRelatedParty" xlink:label="loc_pt_TechnicalServiceFeeCollectedByRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TechnicalServiceFeeCollectedByRelatedParty" xml:lang="en-US"> Technical Service Fee Collected By Related Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_TechnicalServiceFeeCollectedByRelatedParty" xml:lang="en-US"> Technical service fee collected by the related party on behalf of the Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TechnicalServiceFeeCollectedByRelatedParty" xlink:to="lab_pt_TechnicalServiceFeeCollectedByRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_TechnicalServiceFeeCollectedByRelatedParty" xml:lang="en-US"> Technical service fee collected by related party </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals." xlink:label="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals."/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals." xml:lang="en-US"> Due from related parties allowance for credit losses reversals. </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals." xlink:to="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals."/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals." xml:lang="en-US"> Due from related parties allowance for credit losses reversals. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_PaymentForGuaranteeDepositConsumptionToRelatedParty" xlink:label="loc_pt_PaymentForGuaranteeDepositConsumptionToRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_PaymentForGuaranteeDepositConsumptionToRelatedParty" xml:lang="en-US"> Payment For Guarantee Deposit Consumption To Related Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_PaymentForGuaranteeDepositConsumptionToRelatedParty" xml:lang="en-US"> Payment for guarantee deposit to the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_PaymentForGuaranteeDepositConsumptionToRelatedParty" xlink:to="lab_pt_PaymentForGuaranteeDepositConsumptionToRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_PaymentForGuaranteeDepositConsumptionToRelatedParty" xml:lang="en-US"> Payment for guarantee deposit consumption to related party </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LoanInterestsCollectedFromRelatedParty" xlink:label="loc_pt_LoanInterestsCollectedFromRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_LoanInterestsCollectedFromRelatedParty" xml:lang="en-US"> Loan Interests Collected From Related Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_LoanInterestsCollectedFromRelatedParty" xml:lang="en-US"> Loan interests collected from the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_LoanInterestsCollectedFromRelatedParty" xlink:to="lab_pt_LoanInterestsCollectedFromRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_LoanInterestsCollectedFromRelatedParty" xml:lang="en-US"> Loan interests collected from related party </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AllocatedCostsAndExpensesFromRelatedParty" xlink:label="loc_pt_AllocatedCostsAndExpensesFromRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_AllocatedCostsAndExpensesFromRelatedParty" xml:lang="en-US"> Allocated Costs And Expenses From Related Party </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_AllocatedCostsAndExpensesFromRelatedParty" xml:lang="en-US"> Cost and expenses allocated from the related party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_AllocatedCostsAndExpensesFromRelatedParty" xlink:to="lab_pt_AllocatedCostsAndExpensesFromRelatedParty"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_AllocatedCostsAndExpensesFromRelatedParty" xml:lang="en-US"> Allocated costs and expenses from related party </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_NumberOfCommonBoardMembers" xlink:label="loc_pt_NumberOfCommonBoardMembers"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_NumberOfCommonBoardMembers" xml:lang="en-US"> Number of Common Board Members </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_NumberOfCommonBoardMembers" xml:lang="en-US"> Number of Common Board Members </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_NumberOfCommonBoardMembers" xlink:to="lab_pt_NumberOfCommonBoardMembers"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_NumberOfCommonBoardMembers" xml:lang="en-US"> Number of common board members. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember" xlink:label="loc_pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember" xml:lang="en-US"> Beijing Liangduo Science And Technology Co. Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember" xml:lang="en-US"> Beijing Liangduo Science and Technology Co. Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember" xlink:to="lab_pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BeijingLiangduoScienceAndTechnologyCo.LtdMember" xml:lang="en-US"> Represents the information pertaining to Beijing Liangduo Science and Technology Co. Ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShenzhenXiaogangTechnologyCo.LtdMember" xlink:label="loc_pt_ShenzhenXiaogangTechnologyCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ShenzhenXiaogangTechnologyCo.LtdMember" xml:lang="en-US"> Shenzhen Xiaogang Technology Co., Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ShenzhenXiaogangTechnologyCo.LtdMember" xml:lang="en-US"> Shenzhen Xiaogang Technology Co., Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ShenzhenXiaogangTechnologyCo.LtdMember" xlink:to="lab_pt_ShenzhenXiaogangTechnologyCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ShenzhenXiaogangTechnologyCo.LtdMember" xml:lang="en-US"> Shenzhen xiaogang technology co., ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ChangshaLiangduoBusinessConsultingCo.LtdMember" xlink:label="loc_pt_ChangshaLiangduoBusinessConsultingCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ChangshaLiangduoBusinessConsultingCo.LtdMember" xml:lang="en-US"> Changsha Liangduo Business Consulting Co. Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ChangshaLiangduoBusinessConsultingCo.LtdMember" xml:lang="en-US"> Changsha Liangduo Business Consulting Co.,Ltd </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ChangshaLiangduoBusinessConsultingCo.LtdMember" xlink:to="lab_pt_ChangshaLiangduoBusinessConsultingCo.LtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ChangshaLiangduoBusinessConsultingCo.LtdMember" xml:lang="en-US"> Member represents the information pertaining to Changsha Liangduo Business Consulting Co., Ltd. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_HoldingCompanyAndItsSubsidiariesMember" xlink:label="loc_pt_HoldingCompanyAndItsSubsidiariesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_HoldingCompanyAndItsSubsidiariesMember" xml:lang="en-US"> Holding Company And Its Subsidiaries [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_HoldingCompanyAndItsSubsidiariesMember" xml:lang="en-US"> Jimu Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_HoldingCompanyAndItsSubsidiariesMember" xlink:to="lab_pt_HoldingCompanyAndItsSubsidiariesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_HoldingCompanyAndItsSubsidiariesMember" xml:lang="en-US"> Represents the information pertaining to holding company and its subsidiaries. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_QilehuiCreditInvestigationCoLtdMember" xlink:label="loc_pt_QilehuiCreditInvestigationCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_QilehuiCreditInvestigationCoLtdMember" xml:lang="en-US"> Qilehui Credit Investigation Co Ltd [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_QilehuiCreditInvestigationCoLtdMember" xml:lang="en-US"> Qilehui </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_QilehuiCreditInvestigationCoLtdMember" xlink:to="lab_pt_QilehuiCreditInvestigationCoLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_QilehuiCreditInvestigationCoLtdMember" xml:lang="en-US"> Qilehui credit investigation co., ltd </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BeijingLiangduoAndChangshaLiangduoMember" xlink:label="loc_pt_BeijingLiangduoAndChangshaLiangduoMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BeijingLiangduoAndChangshaLiangduoMember" xml:lang="en-US"> Beijing Liangduo And Changsha Liangduo [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_BeijingLiangduoAndChangshaLiangduoMember" xml:lang="en-US"> Beijing Liangduo and Changsha Liangduo </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BeijingLiangduoAndChangshaLiangduoMember" xlink:to="lab_pt_BeijingLiangduoAndChangshaLiangduoMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_JimuGroupMember" xlink:label="loc_pt_JimuGroupMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_JimuGroupMember" xml:lang="en-US"> Jimu Group [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_JimuGroupMember" xml:lang="en-US"> Jimu Group </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_JimuGroupMember" xlink:to="lab_pt_JimuGroupMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionAxis" xlink:label="loc_us-gaap_RelatedPartyTransactionAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyTransactionAxis" xml:lang="en-US"> Related Party Transaction [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionDomain" xlink:label="loc_us-gaap_RelatedPartyTransactionDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RelatedPartyTransactionDomain" xml:lang="en-US"> Related Party Transaction [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_RelatedPartyTransactionDomain" xml:lang="en-US"> Related Party Transaction [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain" xlink:to="lab_us-gaap_RelatedPartyTransactionDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_FinancingTransactionsMember" xlink:label="loc_pt_FinancingTransactionsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_FinancingTransactionsMember" xml:lang="en-US"> Financing Transactions [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_FinancingTransactionsMember" xml:lang="en-US"> Financing transactions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_FinancingTransactionsMember" xlink:to="lab_pt_FinancingTransactionsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_FinancingTransactionsMember" xml:lang="en-US"> Represents the information pertaining to financing transactions. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TechincalServiceFeeBorrowersMember" xlink:label="loc_pt_TechincalServiceFeeBorrowersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TechincalServiceFeeBorrowersMember" xml:lang="en-US"> Techincal Service Fee Borrowers [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TechincalServiceFeeBorrowersMember" xml:lang="en-US"> Techincal Service Fee Borrowers </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TechincalServiceFeeBorrowersMember" xlink:to="lab_pt_TechincalServiceFeeBorrowersMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ConsultancyFeeFromBorrowersMember" xlink:label="loc_pt_ConsultancyFeeFromBorrowersMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ConsultancyFeeFromBorrowersMember" xml:lang="en-US"> Consultancy Fee From Borrowers [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_ConsultancyFeeFromBorrowersMember" xml:lang="en-US"> Consultancy Fee From Borrowers </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ConsultancyFeeFromBorrowersMember" xlink:to="lab_pt_ConsultancyFeeFromBorrowersMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_TransactionsRecordedThroughStatementOfOperationsAndComprehensiveLossIncomeMember" xlink:label="loc_pt_TransactionsRecordedThroughStatementOfOperationsAndComprehensiveLossIncomeMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_TransactionsRecordedThroughStatementOfOperationsAndComprehensiveLossIncomeMember" xml:lang="en-US"> Transactions Recorded Through Statement Of Operations And Comprehensive Loss Income [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_TransactionsRecordedThroughStatementOfOperationsAndComprehensiveLossIncomeMember" xml:lang="en-US"> Transactions recorded through statement of operations and comprehensive (loss)/income </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_TransactionsRecordedThroughStatementOfOperationsAndComprehensiveLossIncomeMember" xlink:to="lab_pt_TransactionsRecordedThroughStatementOfOperationsAndComprehensiveLossIncomeMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OtherReceivablesMember" xlink:label="loc_pt_OtherReceivablesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OtherReceivablesMember" xml:lang="en-US"> Other Receivables [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OtherReceivablesMember" xml:lang="en-US"> Other Receivables </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OtherReceivablesMember" xlink:to="lab_pt_OtherReceivablesMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OperatingTransactionsMember" xlink:label="loc_pt_OperatingTransactionsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OperatingTransactionsMember" xml:lang="en-US"> Operating Transactions [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OperatingTransactionsMember" xml:lang="en-US"> Operating transactions </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OperatingTransactionsMember" xlink:to="lab_pt_OperatingTransactionsMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OperatingTransactionsMember" xml:lang="en-US"> Operating transactions. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtMember" xlink:label="loc_us-gaap_DebtMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtMember" xml:lang="en-US"> Debt [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DebtMember" xml:lang="en-US"> Debt </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtMember" xlink:to="lab_us-gaap_DebtMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OtherRelatedPartiesMember" xlink:label="loc_pt_OtherRelatedPartiesMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OtherRelatedPartiesMember" xml:lang="en-US"> Other Related Parties [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OtherRelatedPartiesMember" xml:lang="en-US"> Other related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OtherRelatedPartiesMember" xlink:to="lab_pt_OtherRelatedPartiesMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromRelatedPartiesCurrentAbstract" xlink:label="loc_us-gaap_DueFromRelatedPartiesCurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrentAbstract" xml:lang="en-US"> Due from Related Parties, Current [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueFromRelatedPartiesCurrentAbstract" xml:lang="en-US"> Amounts due from related parties – current: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueFromRelatedPartiesCurrentAbstract" xlink:to="lab_us-gaap_DueFromRelatedPartiesCurrentAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesCurrentGross" xlink:label="loc_pt_DueFromRelatedPartiesCurrentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesCurrentGross" xml:lang="en-US"> Due From Related Parties Current Gross </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DueFromRelatedPartiesCurrentGross" xml:lang="en-US"> Total current amounts due from related parties </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesCurrentGross" xlink:to="lab_pt_DueFromRelatedPartiesCurrentGross"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesCurrentGross" xml:lang="en-US"> The aggregate amount, before allowance for credit loss, of receivables to be collected from related parties where one party can exercise control or significant influence over another party; including affiliates, owners or officers and their immediate families, pension trusts, and so forth, at the financial statement date. which are usually due within one year (or one business cycle). </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromRelatedPartiesNoncurrent" xlink:label="loc_us-gaap_DueFromRelatedPartiesNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueFromRelatedPartiesNoncurrent" xml:lang="en-US"> Due from Related Parties, Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xlink:label="lab_us-gaap_DueFromRelatedPartiesNoncurrent" xml:lang="en-US"> Total noncurrent amounts due from related parties, net </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueFromRelatedPartiesNoncurrent" xlink:to="lab_us-gaap_DueFromRelatedPartiesNoncurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueToRelatedPartiesCurrentAbstract" xlink:label="loc_us-gaap_DueToRelatedPartiesCurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueToRelatedPartiesCurrentAbstract" xml:lang="en-US"> Due to Related Parties, Current [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DueToRelatedPartiesCurrentAbstract" xml:lang="en-US"> Amounts due to related parties – current: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueToRelatedPartiesCurrentAbstract" xlink:to="lab_us-gaap_DueToRelatedPartiesCurrentAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueToRelatedPartiesNoncurrentAbstract" xlink:label="loc_us-gaap_DueToRelatedPartiesNoncurrentAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueToRelatedPartiesNoncurrentAbstract" xml:lang="en-US"> Due to Related Parties, Noncurrent [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueToRelatedPartiesNoncurrentAbstract" xml:lang="en-US"> Amounts due to related parties – noncurrent: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueToRelatedPartiesNoncurrentAbstract" xlink:to="lab_us-gaap_DueToRelatedPartiesNoncurrentAbstract"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesAbstract" xlink:label="loc_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesAbstract" xml:lang="en-US"> Schedule Of Due From Related Parties Allowance For Credit Losses [Abstract] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesAbstract" xlink:to="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesAbstract" xml:lang="en-US"> Schedule Of Due From Related Parties Allowance For Credit Losses </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesTable" xlink:label="loc_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesTable" xml:lang="en-US"> Schedule Of Due From Related Parties Allowance For Credit Losses [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesTable" xlink:to="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesTable" xml:lang="en-US"> Schedule Of Due From Related Parties Allowance For Credit Losses </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesLineItems" xlink:label="loc_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesLineItems" xml:lang="en-US"> Schedule Of Due From Related Parties Allowance For Credit Losses [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesLineItems" xlink:to="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ScheduleOfDueFromRelatedPartiesAllowanceForCreditLossesLineItems" xml:lang="en-US"> Schedule Of Due From Related Parties Allowance For Credit Losses </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesAllowanceForCreditLosses" xlink:label="loc_pt_DueFromRelatedPartiesAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLosses" xml:lang="en-US"> Due From Related Parties Allowance For Credit Losses </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLosses" xml:lang="en-US"> Begining balance </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLosses" xml:lang="en-US"> Ending balance </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesAllowanceForCreditLosses" xlink:to="lab_pt_DueFromRelatedPartiesAllowanceForCreditLosses"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLosses" xml:lang="en-US"> Amount of allowance for credit loss on receivables to be collected from (obligations owed to) related parties, net as of the balance sheet date where one party can exercise control or significant influence over another party; including affiliates, owners or officers and their immediate families, pension trusts, and so forth. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs" xlink:label="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs" xml:lang="en-US"> Due From Related Parties Allowance For Credit Losses Charge Offs </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs" xml:lang="en-US"> Charge-offs </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs" xlink:to="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesChargeOffs" xml:lang="en-US"> Amount of chargeoff of due from related parties, charged against allowance for credit loss. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals" xlink:label="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals" xml:lang="en-US"> Due from Related Parties Allowance for Credit Losses Reversals </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals" xml:lang="en-US"> Reversal </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals" xlink:to="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesReversals" xml:lang="en-US"> Due from related parties allowance for credit losses reversals. </label>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences" xlink:label="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences" xml:lang="en-US"> Due From Related Parties Allowance For Credit Losses Foreign Currency Exchange Differences </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences" xml:lang="en-US"> Foreign currency exchange differences </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences" xlink:to="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_DueFromRelatedPartiesAllowanceForCreditLossesForeignCurrencyExchangeDifferences" xml:lang="en-US"> Due from related parties allowance for credit losses foreign currency exchange differences. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:label="loc_us-gaap_DefinedContributionPlanCostRecognized"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DefinedContributionPlanCostRecognized" xml:lang="en-US"> Defined Contribution Plan, Cost </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DefinedContributionPlanCostRecognized" xml:lang="en-US"> Employee benefit expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanCostRecognized" xlink:to="lab_us-gaap_DefinedContributionPlanCostRecognized"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="loc_us-gaap_EarningsPerShareBasicAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareBasicAbstract" xml:lang="en-US"> Earnings Per Share, Basic [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EarningsPerShareBasicAbstract" xml:lang="en-US"> Basic and diluted loss per ordinary share calculation: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasicAbstract" xlink:to="lab_us-gaap_EarningsPerShareBasicAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract" xlink:label="loc_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract" xml:lang="en-US"> Earnings Per Share, Basic, Other Disclosures [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract" xml:lang="en-US"> Denominator: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract" xlink:to="lab_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xml:lang="en-US"> Net Income (Loss) Available to Common Stockholders, Basic [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xml:lang="en-US"> Numerator: </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xml:lang="en-US"> Net Income (Loss) Available to Common Stockholders, Basic </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xml:lang="en-US"> Net loss attributable to ordinary shareholders </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xml:lang="en-US"> Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xml:lang="en-US"> Antidilutive Securities Excluded From Computation Of Earnings Per Share </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfOperatingLeasedAssetsTable" xlink:label="loc_us-gaap_ScheduleOfOperatingLeasedAssetsTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ScheduleOfOperatingLeasedAssetsTable" xml:lang="en-US"> Schedule of Operating Leased Assets [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfOperatingLeasedAssetsTable" xlink:to="lab_us-gaap_ScheduleOfOperatingLeasedAssetsTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAxis" xlink:label="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAxis" xml:lang="en-US"> Property Subject to or Available for Operating Lease [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAxis" xml:lang="en-US"> Lease Arrangement, Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAxis" xlink:to="lab_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertySubjectToOrAvailableForOperatingLeaseDomain" xlink:label="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseDomain" xml:lang="en-US"> Property Subject to or Available for Operating Lease [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseDomain" xml:lang="en-US"> Lease Arrangement, Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseDomain" xlink:to="lab_us-gaap_PropertySubjectToOrAvailableForOperatingLeaseDomain"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OfficeRentalMember" xlink:label="loc_pt_OfficeRentalMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OfficeRentalMember" xml:lang="en-US"> Office Rental [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OfficeRentalMember" xml:lang="en-US"> Office rental </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OfficeRentalMember" xlink:to="lab_pt_OfficeRentalMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OfficeRentalMember" xml:lang="en-US"> Represents the information pertaining to office rental. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasedAssetsLineItems" xlink:label="loc_us-gaap_OperatingLeasedAssetsLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasedAssetsLineItems" xml:lang="en-US"> Operating Leased Assets [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasedAssetsLineItems" xlink:to="lab_us-gaap_OperatingLeasedAssetsLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xml:lang="en-US"> Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xml:lang="en-US"> Payment due by schedule </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US"> Operating Leases, Future Minimum Payments, Due in Three Years </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US"> 2 - 3 years </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US"> Operating Leases, Future Minimum Payments Due, Next Twelve Months </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US"> Less than 1 year </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="loc_us-gaap_OperatingLeasesRentExpenseNet"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasesRentExpenseNet" xml:lang="en-US"> Operating Leases, Rent Expense, Net </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OperatingLeasesRentExpenseNet" xml:lang="en-US"> Operating lease expenses </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesRentExpenseNet" xlink:to="lab_us-gaap_OperatingLeasesRentExpenseNet"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xml:lang="en-US"> Operating Leases, Future Minimum Payments Due </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xml:lang="en-US"> Total </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US"> Operating Leases, Future Minimum Payments, Due in Two Years </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US"> 1 - 2 years </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" xlink:label="loc_pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" xml:lang="en-US"> Operating Leases Future Minimum Payments Due After Year Three </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" xml:lang="en-US"> More than 3 years </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" xlink:to="lab_pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" xml:lang="en-US"> Operating leases, future minimum payments, due after year three. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventTable" xlink:label="loc_us-gaap_SubsequentEventTable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventTable" xml:lang="en-US"> Subsequent Event [Table] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SubsequentEventTable" xml:lang="en-US"> Subsequent Event [Table] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTable" xlink:to="lab_us-gaap_SubsequentEventTable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventMember" xlink:label="loc_us-gaap_SubsequentEventMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventMember" xml:lang="en-US"> Subsequent Event [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SubsequentEventMember" xml:lang="en-US"> Subsequent event </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventMember" xlink:to="lab_us-gaap_SubsequentEventMember"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ZiitechPtyLtdMember" xlink:label="loc_pt_ZiitechPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_ZiitechPtyLtdMember" xml:lang="en-US"> Ziitech Pty Ltd [Member] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_ZiitechPtyLtdMember" xlink:to="lab_pt_ZiitechPtyLtdMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_ZiitechPtyLtdMember" xml:lang="en-US"> Ziitech Pty Ltd [Member]. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventLineItems" xlink:label="loc_us-gaap_SubsequentEventLineItems"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventLineItems" xml:lang="en-US"> Subsequent Event [Line Items] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_SubsequentEventLineItems" xml:lang="en-US"> Subsequent Event [Line Items] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventLineItems" xlink:to="lab_us-gaap_SubsequentEventLineItems"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityInterestIssuedOrIssuableByTypeAxis" xlink:label="loc_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis" xml:lang="en-US"> Equity Interest Type [Axis] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis" xml:lang="en-US"> Equity Interest Type [Axis] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis" xlink:to="lab_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityInterestIssuedOrIssuableTypeDomain" xlink:label="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityInterestIssuedOrIssuableTypeDomain" xml:lang="en-US"> Equity Interest Issued or Issuable, Type [Domain] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EquityInterestIssuedOrIssuableTypeDomain" xml:lang="en-US"> Equity Interest Issued or Issuable, Type [Domain] </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain" xlink:to="lab_us-gaap_EquityInterestIssuedOrIssuableTypeDomain"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ParentCompanyMember" xlink:label="loc_srt_ParentCompanyMember"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_srt_ParentCompanyMember" xml:lang="en-US"> Parent Company [Member] </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_srt_ParentCompanyMember" xml:lang="en-US"> Parent Company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ParentCompanyMember" xlink:to="lab_srt_ParentCompanyMember"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueToAffiliateCurrent" xlink:label="loc_us-gaap_DueToAffiliateCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueToAffiliateCurrent" xml:lang="en-US"> Due to Affiliate, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueToAffiliateCurrent" xml:lang="en-US"> Amounts due to subsidiaries of the Company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueToAffiliateCurrent" xlink:to="lab_us-gaap_DueToAffiliateCurrent"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_BusinessCombinationConsiderationLiabilityNoncurrent" xlink:label="loc_pt_BusinessCombinationConsiderationLiabilityNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_pt_BusinessCombinationConsiderationLiabilityNoncurrent" xml:lang="en-US"> Business Combination Consideration Liability Noncurrent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_pt_BusinessCombinationConsiderationLiabilityNoncurrent" xml:lang="en-US"> Consideration payable for acquisition </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_pt_BusinessCombinationConsiderationLiabilityNoncurrent" xlink:to="lab_pt_BusinessCombinationConsiderationLiabilityNoncurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_pt_BusinessCombinationConsiderationLiabilityNoncurrent" xml:lang="en-US"> Amount of liability recognized arising from consideration in a business combination, expected to be settled beyond one year or the normal operating cycle, if longer. </label>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromAffiliateCurrent" xlink:label="loc_us-gaap_DueFromAffiliateCurrent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DueFromAffiliateCurrent" xml:lang="en-US"> Due from Affiliate, Current </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_DueFromAffiliateCurrent" xml:lang="en-US"> Amounts due from subsidiaries of the Company </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DueFromAffiliateCurrent" xlink:to="lab_us-gaap_DueFromAffiliateCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xml:lang="en-US"> Income (Loss) from Subsidiaries, Net of Tax </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xml:lang="en-US"> Equity in loss of subsidiaries </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:to="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xml:lang="en-US"> Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xml:lang="en-US"> Total other comprehensive income/(loss) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xml:lang="en-US"> Cash and Cash Equivalents, Period Increase (Decrease) </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xml:lang="en-US"> Net decrease in cash, cash equivalents </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xml:lang="en-US"> Payments to Acquire Interest in Subsidiaries and Affiliates </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xml:lang="en-US"> Investment in a subsidiary </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:to="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromCollectionOfLoansReceivable" xlink:label="loc_us-gaap_ProceedsFromCollectionOfLoansReceivable"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable" xml:lang="en-US"> Proceeds from Collection of Loans Receivable </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable" xml:lang="en-US"> Collection of loan from a third party </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromCollectionOfLoansReceivable" xlink:to="lab_us-gaap_ProceedsFromCollectionOfLoansReceivable"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xml:lang="en-US"> Payments to Acquire Businesses, Net of Cash Acquired </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xml:lang="en-US"> Purchase of Infrarisk, net of cash acquired (Note 4) </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:to="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents"/>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xml:lang="en-US"> Effect of Exchange Rate on Cash and Cash Equivalents </label>
<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xml:lang="en-US"> Effect of exchange rate changes on cash, cash equivalents </label>
<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:to="lab_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents"/>
</labelLink>
</linkbase>

2 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/30/24  Pintec Technology Holdings Ltd.   20-F       12/31/23  147:18M                                    Toppan Merrill/FA
 5/15/23  Pintec Technology Holdings Ltd.   20-F       12/31/22  119:17M                                    Toppan Merrill/FA

7 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/30/21  Pintec Technology Holdings Ltd.   20-F       12/31/20  157:16M                                    Donnelley … Solutions/FA
 4/07/21  Otov Alfa Holdings Ltd.           SC 13D                 3:123K Pintec Technology Holdings Ltd.   Donnelley … Solutions/FA
 6/29/20  Pintec Technology Holdings Ltd.   20-F       12/31/19  157:22M                                    Donnelley … Solutions/FA
 7/30/19  Pintec Technology Holdings Ltd.   20-F       12/31/18  149:19M                                    Toppan Merrill/FA
10/19/18  Pintec Technology Holdings Ltd.   F-1/A                  4:7M                                     Toppan Merrill-FA
10/10/18  Pintec Technology Holdings Ltd.   F-1/A                 14:7.6M                                   Toppan Merrill-FA
 7/16/18  Pintec Technology Holdings Ltd.   F-1                   39:10M                                    Toppan Merrill-FA
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