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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

Overall JFU gets a fundamental rating of 3 out of 10. We evaluated JFU against 70 industry peers in the Interactive Media & Services industry. JFU has an average financial health and profitability rating. JFU does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

JFU had positive earnings in the past year.
In the past 5 years JFU reported 4 times negative net income.
In multiple years JFU reported negative operating cash flow during the last 5 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

With a decent Return On Assets value of 5.83%, JFU is doing good in the industry, outperforming 76.06% of the companies in the same industry.
The Return On Equity of JFU (6.74%) is better than 74.65% of its industry peers.
JFU has a Return On Invested Capital of 1.08%. This is comparable to the rest of the industry: JFU outperforms 56.34% of its industry peers.
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 has a Profit Margin of 80.25%. This is amongst the best in the industry. JFU outperforms 95.77% of its industry peers.
Looking at the Operating Margin, with a value of 16.48%, JFU belongs to the top of the industry, outperforming 83.10% of the companies in the same industry.
JFU's Gross Margin of 77.12% is fine compared to the rest of the industry. JFU outperforms 73.24% 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.
Compared to 1 year ago, JFU has about the same amount of shares outstanding.
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.
JFU has a Altman-Z score of -0.09. This is in the lower half of the industry: JFU underperforms 64.79% of its industry peers.
JFU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

JFU has a Current Ratio of 1.44. This is a normal value and indicates that JFU is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.44, JFU is doing worse than 64.79% of the companies in the same industry.
JFU has a Quick Ratio of 1.44. This is a normal value and indicates that JFU is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.44, JFU is not doing good in the industry: 64.79% of the companies in the same industry are doing better.
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.
The Revenue has been growing slightly by 7.77% in the past year.
Measured over the past years, JFU shows a very negative growth in Revenue. The Revenue has been decreasing by -41.24% on average per year.
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

With a Price/Earnings ratio of 1.55, the valuation of JFU can be described as very cheap.
Based on the Price/Earnings ratio, JFU is valued cheaper than 95.77% of the companies in the same industry.
When comparing the Price/Earnings ratio of JFU to the average of the S&P500 Index (26.49), we can say JFU is valued rather cheaply.
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

JFU's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. JFU is cheaper than 88.73% of the companies in the same industry.
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

JFU does not give a dividend.
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.