J and Friends Holdings (JF)
NASDAQ:JF
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J and Friends Holdings
(NASDAQ:JF)
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Rating:47Neutral
Price Target:
$0.90
▼(-5.68% Downside)
Action:ReiteratedDate:01/17/26
Score is held down primarily by weak financials—sharp multi-year revenue contraction, continued losses, negative equity, and renewed cash burn. Technicals provide a partial offset with strong recent momentum and price above major moving averages, but an elevated RSI suggests the move may be stretched. Valuation remains unattractive/indeterminate given negative earnings and no dividend support.
Positive Factors
Technological Advantage
Pintec's use of AI and big data analytics provides a competitive edge in delivering efficient and scalable financial solutions, enhancing its long-term market position in the fintech sector.
Negative Factors
Declining Revenue
A significant decline in revenue growth indicates challenges in market demand or competitive pressures, which can undermine long-term business sustainability and growth prospects.
Read all positive and negative factors
Positive Factors
Negative Factors
Technological Advantage
Pintec's use of AI and big data analytics provides a competitive edge in delivering efficient and scalable financial solutions, enhancing its long-term market position in the fintech sector.
Read all positive factors
J and Friends Holdings (JF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$15.06M
Dividend YieldN/A
Average Volume (3M)1.21M
Price to Earnings (P/E)―
Beta (1Y)-0.05
Revenue Growth9.45%
EPS Growth71.81%
CountryUS
Employees78
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.04
Shares Outstanding14,392,790
10 Day Avg. Volume126,488
30 Day Avg. Volume1,210,598
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)>-0.01
Price to Sales (P/S)0.06
P/FCF Ratio-0.15
Enterprise Value/Market Cap-1.85
Enterprise Value/Revenue-0.79
Enterprise Value/Gross Profit-1.23
Enterprise Value/Ebitda6.78
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
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, together with its subsidiaries, engages in the provision of technology-enabled financial and digital services to the ecosystem of MSMEs and SMEs in the People's Republic of China and internationally. The company con...
How the Company Makes Money
Pintec Technology Holdings generates revenue primarily through service fees and commissions from its various financial solutions. The company partners with financial institutions, e-commerce platforms, and other businesses to offer tailored financ...
J and Friends Holdings Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
9
Very Negative
Cash Flow
22
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.55M | 35.14M | 52.72M | 74.57M | 173.24M | 378.26M |
| Gross Profit | 22.74M | 22.30M | 14.53M | 11.88M | 83.52M | 92.49M |
| EBITDA | -4.12M | -11.90M | -26.01M | -164.33M | -57.14M | -197.39M |
| Net Income | -11.90M | -15.45M | -78.76M | -190.18M | -101.73M | -293.94M |
Balance Sheet | ||||||
| Total Assets | 96.36M | 103.44M | 113.20M | 528.87M | 761.23M | 978.50M |
| Cash, Cash Equivalents and Short-Term Investments | 33.90M | 26.95M | 40.55M | 250.73M | 217.90M | 395.73M |
| Total Debt | 3.32M | 4.68M | 0.00 | 349.75M | 400.03M | 532.84M |
| Total Liabilities | 496.51M | 498.56M | 493.08M | 776.01M | 826.26M | 930.45M |
| Stockholders Equity | -414.05M | -408.87M | -392.95M | -402.05M | -224.93M | -118.94M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -14.99M | 7.88M | -10.55M | -32.36M | -40.84M |
| Operating Cash Flow | 0.00 | -14.90M | 8.61M | -10.52M | -32.18M | 56.96M |
| Investing Cash Flow | 0.00 | -84.00K | 35.27M | 86.69M | -119.46M | 192.62M |
| Financing Cash Flow | 0.00 | 1.82M | -257.38M | -57.89M | -132.33M | -286.64M |
J and Friends Holdings Technical Analysis
Negative
0.95
Price Trends
0.94
Positive
0.97
Negative
0.96
Negative
Market Momentum
<0.01
Positive
48.87
Neutral
36.11
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JF, the sentiment is Negative. The current price of 0.95 is below the 20-day moving average (MA) of 0.96, above the 50-day MA of 0.94, and below the 200-day MA of 0.96, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.87 is Neutral, neither overbought nor oversold. The STOCH value of 36.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $153.80M | 28.48 | 0.54% | 10.37% | 10.48% | -30.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
47 Neutral | $15.06M | -0.26 | ― | ― | 9.45% | 71.81% | |
44 Neutral | $4.52M | -0.14 | -17.58% | ― | -35.26% | 53.23% | |
43 Neutral | $5.61M | -0.65 | 312.29% | ― | -25.21% | 24.90% | |
43 Neutral | $5.72M | -1.37 | -17.08% | ― | -26.60% | 15.28% |
* Financial Sector Average
JF
J and Friends Holdings
0.95
-0.02
-1.86%
YRD
Yiren Digital
1.87
-3.54
-65.43%
AIHS
Senmiao Technology
1.22
-7.78
-86.44%
LMFA
LM Funding America
0.28
-0.99
-78.19%
SNTG
Sentage Holdings
2.05
0.36
21.30%
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.