Jianpu Technology (AIJTY) AI Stock Analysis

• Market Cap: $17.51M
• Dividend Yield: N/A
• Average Volume (3M): 3.02K
• Price to Earnings (P/E): 1.4
• Beta (1Y): 2.14
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 339
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 18,623,510
• 10 Day Avg. Volume: 2,930
• 30 Day Avg. Volume: 3,025
• PEG Ratio: >-0.01
• Price to Book (P/B): <0.01
• Price to Sales (P/S): 0.00217
• P/FCF Ratio: 0.03
• Enterprise Value/Market Cap: -12.19
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $0.96 ▼(-1.94% Downside)

Jianpu Technology's overall stock score is driven by its strong financial performance, particularly in profitability and cash flow improvements. The technical analysis suggests a bearish trend, which slightly offsets the positive financial outlook. The stock's undervaluation, as indicated by its low P/E ratio, provides a potential upside. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Revenue Growth

The significant revenue growth indicates successful strategic shifts and increased demand for core services, enhancing long-term market position.

Operational Efficiency

Improved operational efficiency suggests better cost management and resource allocation, supporting sustainable profitability.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, enabling strategic investments and debt management.

Negative Factors

Leadership Transition

Leadership changes can introduce strategic uncertainty, potentially impacting execution and continuity of long-term goals.

Revenue Decline

A decline in revenue growth poses challenges to maintaining market share and could affect future profitability.

Net Income Decrease

Decreased net income, despite revenue growth, suggests potential issues in cost control or non-core activities impacting profitability.

Jianpu Technology Business Overview & Revenue Model

Company Description

Jianpu Technology Inc. operates a platform that provides online discovery and recommendation services for financial products in the People's Republic of China. The company's platform allows users to access to financial products, including loans, credit cards, insurance products, and other financial products. It recommends financial products to individual users and assists the financial service providers in targeting users with specific characteristics based on the users' financial needs and profile, as well as the products offerings and risk appetite of the financial service providers. The company also provides big data and system-based risk management, advertising and marketing, and other services primarily to financial service providers. It operates its platform under the Rong360 brand name. The company was founded in 2011 and is headquartered in Beijing, China.

How the Company Makes Money

Jianpu Technology generates revenue through several key streams, primarily by charging fees for its credit reporting and data analytics services. The company offers subscription-based models for businesses that require regular access to its financial information and risk assessment tools. Additionally, Jianpu collaborates with financial institutions and lenders, providing them with tailored data solutions that help in assessing borrower risk. Strategic partnerships with banks and other financial entities further enhance revenue opportunities by integrating services into broader financial ecosystems. Advertising revenue from its consumer-facing platforms also contributes to its earnings, as the company monetizes traffic through targeted advertising.

Jianpu Technology Financial Statement Overview

Summary

Jianpu Technology shows a notable turnaround in profitability and operational efficiency. Despite a slight decline in revenue, the company has improved its margins and cash flow generation. The balance sheet is stable with manageable debt levels. While there are concerns about revenue growth, the financial position and cash flow improvements indicate a positive trajectory.

Income Statement

The income statement shows significant improvement from negative to positive net income, with a net profit margin of 10.55% in 2024. Revenue decreased by 5.93% from 2023 to 2024, indicating a potential concern in revenue growth. Gross profit margin increased significantly, reflecting better cost management. The EBIT and EBITDA margins also turned positive compared to the previous year, indicating improved operational efficiency.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.39 in 2024, indicating manageable leverage. Return on equity improved, signifying enhanced profitability. The equity ratio of 51.76% suggests a stable financial position. While liabilities decreased, total assets and stockholders' equity increased, showing a strengthening balance sheet.

Cash Flow

The cash flow analysis reveals a robust free cash flow growth, indicating strong cash generation capabilities. Operating cash flow to net income ratio is favorable, suggesting efficient cash conversion. However, fluctuations in financing cash flow highlight potential volatility in funding sources.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.01B	1.07B	989.67M	805.05M	585.76M
Gross Profit	378.00M	280.27M	208.68M	150.72M	112.18M
EBITDA	64.27M	-41.26M	-137.96M	-251.58M	-289.14M
Net Income	106.13M	-26.77M	-124.31M	-199.78M	-304.15M
Balance Sheet
Total Assets	1.01B	931.80M	962.26M	1.07B	1.40B
Cash, Cash Equivalents and Short-Term Investments	430.16M	376.52M	346.54M	490.88M	569.98M
Total Debt	202.98M	238.62M	257.18M	189.75M	167.47M
Total Liabilities	484.88M	514.37M	525.94M	547.47M	678.10M
Stockholders Equity	520.47M	416.90M	429.87M	501.50M	700.35M
Cash Flow
Free Cash Flow	72.57M	15.65M	-159.15M	-293.88M	-105.54M
Operating Cash Flow	79.76M	30.22M	-157.31M	-290.77M	-101.63M
Investing Cash Flow	34.83M	4.02M	-39.93M	36.51M	-91.27M
Financing Cash Flow	-45.03M	-17.24M	63.07M	23.38M	98.60M

Jianpu Technology Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.98
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIJTY, the sentiment is Negative. The current price of 0.98 is above the 20-day moving average (MA) of 0.97, below the 50-day MA of 0.98, and above the 200-day MA of 0.94, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 45.39 is Neutral, neither overbought nor oversold. The STOCH value of 29.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AIJTY.

Jianpu Technology Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	73 Outperform	$343.03M	1.99	12.53%	10.37%	10.48%	-30.67%
QFIN	72 Outperform	$1.78B	2.27	28.65%	7.30%	13.96%	39.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AIJTY	61 Neutral	$17.51M	1.41	18.95%	―	―	―
AIHS	41 Neutral	$5.29M	-0.41	―	―	-25.21%	24.90%