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J and Friends Holdings
(NASDAQ:JF)
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Rating:47Neutral
Price Target:
$1.00
▼(-0.99% Downside)
Action:Reiterated
Date:07/01/26
The score is primarily held back by weak financial performance: steep revenue decline and continued deep losses, plus balance-sheet risk from meaningful leverage and prior negative equity. Technicals provide some offset as the stock is above its major moving averages, but valuation remains challenged due to negative earnings and no dividend yield data.
Positive Factors
Improved cash generation
Positive operating and free cash flow in 2025 indicates the business can generate real cash despite accounting losses. Durable cash generation improves short-term liquidity and reduces immediate reliance on external funding, giving management more time to execute turnaround plans.
Negative Factors
Steep revenue decline
A dramatic multi-year revenue contraction materially reduces scale and competitive positioning. Smaller revenue base raises unit costs, weakens customer reach, and makes investments in product, sales, or compliance harder to fund, hampering durable recovery prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved cash generation
Positive operating and free cash flow in 2025 indicates the business can generate real cash despite accounting losses. Durable cash generation improves short-term liquidity and reduces immediate reliance on external funding, giving management more time to execute turnaround plans.
Read all positive factors
J and Friends Holdings (JF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$19.52M
Dividend YieldN/A
Average Volume (3M)1.21M
Price to Earnings (P/E)―
Beta (1Y)0.02
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees78
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-25.90
Shares Outstanding17,127,596
10 Day Avg. Volume126,488
30 Day Avg. Volume1,210,598
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.29
Price to Sales (P/S)0.27
P/FCF Ratio3.07
Enterprise Value/Market Cap-1.42
Enterprise Value/Revenue-0.78
Enterprise Value/Gross Profit-1.22
Enterprise Value/Ebitda6.71
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
J and Friends Holdings Business Overview & Revenue Model
Company Description
J and Friends Holdings Limited, through its subsidiaries, provides cutting-edge financial and digital services, powered by technology, to the ecosystem of micro, small, and medium-sized enterprises (MSMEs and SMEs) across the People's Republic of ...
J and Friends Holdings Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
35
Negative
Cash Flow
46
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.55M | 11.17M | 35.14M | 52.72M | 74.57M | 173.24M |
| Gross Profit | 22.74M | 7.99M | 22.30M | 14.53M | 11.88M | 83.52M |
| EBITDA | -4.12M | -3.78M | -11.90M | -26.01M | -164.33M | -57.14M |
| Net Income | -11.90M | ― | -15.45M | -78.76M | -190.18M | -101.73M |
Balance Sheet | ||||||
| Total Assets | 96.36M | 65.36M | 103.44M | 113.20M | 528.87M | 761.23M |
| Cash, Cash Equivalents and Short-Term Investments | 33.90M | 6.61M | 26.95M | 40.55M | 250.73M | 217.90M |
| Total Debt | 3.32M | 15.32M | 4.68M | 0.00 | 349.75M | 400.03M |
| Total Liabilities | 496.51M | 22.85M | 498.56M | 493.08M | 776.01M | 826.26M |
| Stockholders Equity | -414.05M | 10.42M | -408.87M | -392.95M | -402.05M | -224.93M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 985.96K | -14.99M | 7.88M | -10.55M | -32.36M |
| Operating Cash Flow | 0.00 | 1.02M | -14.90M | 8.61M | -10.52M | -32.18M |
| Investing Cash Flow | 0.00 | -36.86M | -84.00K | 35.27M | 86.69M | -119.46M |
| Financing Cash Flow | 0.00 | 10.84M | 1.82M | -257.38M | -57.89M | -132.33M |
J and Friends Holdings Technical Analysis
Positive
1.01
Price Trends
1.03
Positive
0.99
Positive
0.98
Positive
Market Momentum
0.02
Negative
55.78
Neutral
25.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JF, the sentiment is Positive. The current price of 1.01 is below the 20-day moving average (MA) of 1.04, below the 50-day MA of 1.03, and above the 200-day MA of 0.98, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 55.78 is Neutral, neither overbought nor oversold. The STOCH value of 25.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JF.
J and Friends Holdings Risk Analysis
J and Friends Holdings disclosed 92 risk factors in its most recent earnings report. J and Friends Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
J and Friends Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $72.99M | -0.24 | 0.54% | 10.37% | -13.83% | -154.13% | |
47 Neutral | $19.52M | -0.40 | ― | ― | ― | ― | |
47 Neutral | $5.67M | -2.32 | -17.08% | ― | -35.90% | -9.68% | |
43 Neutral | $6.06M | -0.53 | 312.29% | ― | -26.17% | 18.43% | |
43 Neutral | $2.59M | -0.06 | -17.58% | ― | -0.48% | 67.66% |
* Financial Sector Average
JF
J and Friends Holdings
1.07
0.16
16.94%
YRD
Yiren Digital
0.84
-4.99
-85.67%
AIHS
Senmiao Technology
1.33
-1.57
-54.14%
LMFA
LM Funding America
0.15
-2.59
-94.56%
SNTG
Sentage Holdings
2.02
0.21
11.60%
J and Friends Holdings Corporate Events
J and Friends Holdings Sets Indenture Framework After April Form F-3 Filing
May 7, 2026
On April 27, 2026, J and Friends Holdings Limited filed a shelf registration statement on Form F-3 with the U.S. Securities and Exchange Commission, enabling the company to issue debt securities in one or more series over time. As part of this pro...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.