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9F INC - ADR (JFU) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:JFU - US65442R2085 - ADR

4.8 USD
+0.29 (+6.43%)
Last: 12/5/2025, 8:00:02 PM
Fundamental Rating

3

Taking everything into account, JFU scores 3 out of 10 in our fundamental rating. JFU was compared to 70 industry peers in the Interactive Media & Services industry. JFU has an average financial health and profitability rating. JFU has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

In the past year JFU was profitable.
JFU had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: JFU reported negative operating cash flow in multiple years.
JFU Yearly Net Income VS EBIT VS OCF VS FCFJFU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B -2B

1.2 Ratios

JFU has a better Return On Assets (5.83%) than 75.71% of its industry peers.
JFU has a Return On Equity of 6.74%. This is in the better half of the industry: JFU outperforms 74.29% of its industry peers.
The Return On Invested Capital of JFU (1.08%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 5.83%
ROE 6.74%
ROIC 1.08%
ROA(3y)-5.35%
ROA(5y)-12.53%
ROE(3y)-6.29%
ROE(5y)-15.75%
ROIC(3y)N/A
ROIC(5y)N/A
JFU Yearly ROA, ROE, ROICJFU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

JFU's Profit Margin of 80.25% is amongst the best of the industry. JFU outperforms 95.71% of its industry peers.
Looking at the Operating Margin, with a value of 16.48%, JFU belongs to the top of the industry, outperforming 82.86% of the companies in the same industry.
JFU has a Gross Margin of 77.12%. This is in the better half of the industry: JFU outperforms 74.29% of its industry peers.
In the last couple of years the Gross Margin of JFU has declined.
Industry RankSector Rank
OM 16.48%
PM (TTM) 80.25%
GM 77.12%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-11.4%
GM growth 5Y-2.59%
JFU Yearly Profit, Operating, Gross MarginsJFU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so JFU is destroying value.
The number of shares outstanding for JFU remains at a similar level compared to 1 year ago.
The number of shares outstanding for JFU has been increased compared to 5 years ago.
There is no outstanding debt for JFU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
JFU Yearly Shares OutstandingJFU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
JFU Yearly Total Debt VS Total AssetsJFU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

JFU has an Altman-Z score of -0.09. This is a bad value and indicates that JFU is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.09, JFU is doing worse than 64.29% of the companies in the same industry.
There is no outstanding debt for JFU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -0.09
ROIC/WACC0.11
WACC9.41%
JFU Yearly LT Debt VS Equity VS FCFJFU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

A Current Ratio of 1.44 indicates that JFU should not have too much problems paying its short term obligations.
JFU has a Current ratio of 1.44. This is in the lower half of the industry: JFU underperforms 64.29% of its industry peers.
A Quick Ratio of 1.44 indicates that JFU should not have too much problems paying its short term obligations.
JFU has a worse Quick ratio (1.44) than 64.29% of its industry peers.
Industry RankSector Rank
Current Ratio 1.44
Quick Ratio 1.44
JFU Yearly Current Assets VS Current LiabilitesJFU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 3533.33% over the past year.
JFU shows a small growth in Revenue. In the last year, the Revenue has grown by 7.77%.
JFU shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -41.24% yearly.
EPS 1Y (TTM)3533.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1760%
Revenue 1Y (TTM)7.77%
Revenue growth 3Y-25.42%
Revenue growth 5Y-41.24%
Sales Q2Q%6.29%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
JFU Yearly Revenue VS EstimatesJFU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
JFU Yearly EPS VS EstimatesJFU Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 20 40 60 80 100

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 1.55 indicates a rather cheap valuation of JFU.
Based on the Price/Earnings ratio, JFU is valued cheaper than 95.71% of the companies in the same industry.
JFU is valuated cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.55
Fwd PE N/A
JFU Price Earnings VS Forward Price EarningsJFU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

88.57% of the companies in the same industry are more expensive than JFU, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.66
JFU Per share dataJFU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

0

5. Dividend

5.1 Amount

No dividends for JFU!.
Industry RankSector Rank
Dividend Yield N/A

9F INC - ADR

NASDAQ:JFU (12/5/2025, 8:00:02 PM)

4.8

+0.29 (+6.43%)

Chartmill FA Rating
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)N/A N/A
Earnings (Next)12-13 2022-12-13/amc
Inst Owners0.18%
Inst Owner Change-53.95%
Ins Owners1.72%
Ins Owner ChangeN/A
Market Cap56.51M
Revenue(TTM)319.00M
Net Income(TTM)256.00M
Analysts45
Price TargetN/A
Short Float %3.7%
Short Ratio0.14
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.55
Fwd PE N/A
P/S 1.25
P/FCF N/A
P/OCF N/A
P/B 0.11
P/tB 0.11
EV/EBITDA 5.66
EPS(TTM)3.09
EY64.38%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.83
BVpS45.6
TBVpS45.56
PEG (NY)N/A
PEG (5Y)N/A
Graham Number56.31
Profitability
Industry RankSector Rank
ROA 5.83%
ROE 6.74%
ROCE 1.36%
ROIC 1.08%
ROICexc 1.08%
ROICexgc 1.08%
OM 16.48%
PM (TTM) 80.25%
GM 77.12%
FCFM N/A
ROA(3y)-5.35%
ROA(5y)-12.53%
ROE(3y)-6.29%
ROE(5y)-15.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-11.4%
GM growth 5Y-2.59%
F-ScoreN/A
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.44
Quick Ratio 1.44
Altman-Z -0.09
F-ScoreN/A
WACC9.41%
ROIC/WACC0.11
Cap/Depr(3y)89.17%
Cap/Depr(5y)58.39%
Cap/Sales(3y)3.24%
Cap/Sales(5y)2.15%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3533.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1760%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.77%
Revenue growth 3Y-25.42%
Revenue growth 5Y-41.24%
Sales Q2Q%6.29%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y135.24%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-26.98%
OCF growth 3YN/A
OCF growth 5YN/A

9F INC - ADR / JFU FAQ

What is the ChartMill fundamental rating of 9F INC - ADR (JFU) stock?

ChartMill assigns a fundamental rating of 3 / 10 to JFU.


What is the valuation status of 9F INC - ADR (JFU) stock?

ChartMill assigns a valuation rating of 3 / 10 to 9F INC - ADR (JFU). This can be considered as Overvalued.


What is the profitability of JFU stock?

9F INC - ADR (JFU) has a profitability rating of 4 / 10.


What is the valuation of 9F INC - ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for 9F INC - ADR (JFU) is 1.55 and the Price/Book (PB) ratio is 0.11.