Jianpu Technology (AIJTY) AI Stock Analysis

• Market Cap: $53.08M
• Dividend Yield: N/A
• Average Volume (3M): 17.47K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.33
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 339
• Sector: Financial
• Sector Strength: 76
• Industry: Financial - Credit Services
• EPS (TTM): -0.18
• Shares Outstanding: 18,623,510
• 10 Day Avg. Volume: 33,429
• 30 Day Avg. Volume: 17,470
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• 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

• Rating: 53 Neutral
• Price Target: ―

Jianpu Technology's overall score reflects a mixed picture. The company's financial performance has improved with better profitability and cash flow, which is the most significant positive factor. However, technical analysis indicates potential overbought conditions, and valuation metrics such as a negative P/E ratio present concerns. The absence of earnings call data or corporate events means these factors did not influence the final score.

Jianpu Technology Business Overview & Revenue Model

Company Description

Jianpu Technology Inc. (AIJTY) is a leading independent open platform for discovery and recommendation of financial products in China. The company operates in the financial technology sector, providing users with access to a wide range of financial products including loans, credit cards, and wealth management products. Jianpu Technology leverages its advanced technology and data analytics capabilities to help consumers and small business owners make informed financial decisions by offering personalized product recommendations.

How the Company Makes Money

Jianpu Technology generates revenue primarily through referral fees and service fees from financial service providers. When users apply for financial products through the platform, Jianpu receives a referral fee from the financial service providers upon successful conversion. Additionally, the company charges service fees for providing marketing and data analytic services to these providers. Jianpu's partnerships with a large network of financial institutions allow it to offer a diverse range of products, thereby attracting more users and increasing its earning potential. The company's ability to analyze vast amounts of data for insights also enhances its service offerings, contributing to its revenue streams.

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	154.56M	132.76M	84.87M
	Gross Profit
378.00M	280.27M	38.55M	30.93M	67.74M
	EBIT
50.68M	-52.52M	661.89K	1.72M	6.49M
	EBITDA
64.27M	-41.26M	-137.96M	-251.58M	-289.14M
	Net Income Common Stockholders
106.13M	-26.77M	-20.07M	-31.74M	-45.41M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
430.16M	376.52M	634.93M	724.63M	959.29M
	Total Assets
1.01B	931.80M	253.49M	189.52M	167.10M
	Total Debt
202.98M	238.62M	15.09M	40.29M	53.37M
	Net Debt
-215.61M	-105.95M	-326.48M	-404.12M	-646.62M
	Total Liabilities
484.88M	514.37M	―	―	―
	Stockholders Equity
520.47M	416.90M	948.46M	1.07B	1.40B
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	―	-40.63M	36.04M	-86.28M
	Financing Cash Flow
-45.03M	-122.10M	64.18M	23.08M	93.21M

Jianpu Technology Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2.85
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 2.85 is above the 20-day moving average (MA) of 2.80, above the 50-day MA of 1.96, and above the 200-day MA of 0.83, indicating a bullish trend. The MACD of 0.23 indicates Positive momentum. The RSI at 66.18 is Neutral, neither overbought nor oversold. The STOCH value of 73.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AIJTY.

Jianpu Technology Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FINV	80 Outperform	$2.41B	6.93	17.91%	2.91%	5.13%	25.93%
YRD	73 Outperform	$526.22M	2.86	14.69%	3.61%	12.45%	-36.64%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
QD	64 Neutral	$478.87M	12.16	2.77%	―	0.54%	―
AIJTY	53 Neutral	$53.08M	―	-6.42%	―	―	―
AIHS	36 Underperform	$3.05M	―	-408.12%	―	-44.34%	27.19%
PT	33 Underperform	$14.50M	―	20.04%	―	-34.85%	83.43%