Symbols / JF Stock $1.08 +3.82% J and Friends Holdings Limited

Financial Services • Credit Services • China • NGM
JF (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO
Exch · Country NGM · China
Market Cap 19.80M
Enterprise Value 698.87M
Income -489.00K
Sales 1.60M
FCF (ttm) -54.42M
Book/sh -3.83
Cash/sh 0.00
Employees
Insider 10d
IPO Oct 25, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E
Forward P/E
PEG
P/S 12.39
P/B -0.28
P/C
EV/EBITDA -1,236.94
EV/Sales 437.34
Quick Ratio 0.90
Current Ratio 1.25
Debt/Eq 36.04
LT Debt/Eq
EPS (ttm) -0.03
EPS next Y
EPS Growth
Revenue Growth
EPS Gr Q/Q
Rev Gr Q/Q
Earnings (next)
Earnings (prior)
ROA -4.01%
ROE
ROIC
Gross Margin 71.53%
Oper. Margin -47.25%
Profit Margin -82.85%
Shs Outstand 17.13M
Shs Float 316.81M
Insider Own 2.85%
Instit Own 0.99%
Short Float 0.23%
Short Ratio 1.07
Short Interest 19.59K
52W High 1.38
vs 52W High -21.76%
52W Low 0.82
vs 52W Low 31.67%
Beta 0.95
Impl. Vol.
Rel Volume 0.34
Avg Volume 22.72K
Volume 7.78K
Target (mean)
Tgt Median
Tgt Low
Tgt High
# Analysts
Recom None
Prev Close $1.04
Price $1.08
Change 3.82%
About

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 connects business partners and financial partners on its open platform and enables them to provide financial services to end users. It also provides point-of-sale financing solutions to its business partners on their platforms or on its own platform under the Dumiao brand; and business installment loan solutions to its business partners on their platforms or on its own platform. In addition, the company offers wealth management solutions, including a fund distribution solution that enables partners to offer and distribute mutual fund products to their customers, either under its Hongdian brand or as a white label solution; and a robo-advisory solution under the Polaris brand which enables its financial and business partners to provide robo-advisory services to their customers. Further, the company provides international installment loan solutions; Myfin, an insurance solution, that enables its partners to offer and distribute insurance products to its users; value added tools to business and financial partners for deploying its solutions, monitor and evaluate performance, and scale their business; digital marketing tools to target users, implement intelligent digital marketing activities, and increase marketing efficiencies and effectiveness; and real time monitoring tools that offer comprehensive and visualized performance monitoring interface. The company was formerly known as Pintec Technology Holdings Limited and changed its name to J and Friends Holdings Limited in January 2026. J and Friends Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.08
Low
High
Mean
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1.60
0.00
0.00
-100.00%
10.81
Operating Revenue
1.60
0.00
0.00
-100.00%
10.81
Cost Of Revenue
0.46
0.00
+100.00%
-0.05
-100.51%
9.09
Reconciled Cost Of Revenue
0.46
0.00
+100.00%
-0.05
-100.51%
9.09
Gross Profit
1.14
0.00
-100.00%
0.05
-97.33%
1.72
Operating Expense
2.48
+744.56%
0.29
+198.00%
-0.30
-102.22%
13.54
Research And Development
0.50
0.00
+100.00%
-0.34
-114.48%
2.31
Selling General And Administration
1.98
+574.83%
0.29
+740.00%
0.04
-99.69%
11.23
Selling And Marketing Expense
0.54
+54100.00%
0.00
+100.44%
-0.23
-105.82%
3.94
General And Administrative Expense
1.44
+392.15%
0.29
+10.98%
0.26
-96.38%
7.29
Other Gand A
1.44
+392.15%
0.29
+10.98%
0.26
-96.38%
7.29
Total Expenses
2.94
+899.32%
0.29
+184.97%
-0.35
-101.53%
22.63
Operating Income
-1.34
-355.78%
-0.29
-184.97%
0.35
+102.93%
-11.82
Total Operating Income As Reported
-1.34
-355.78%
-0.29
-184.97%
0.35
+102.93%
-11.82
EBITDA
-0.54
-77.63%
-0.30
+94.01%
-5.08
+53.91%
-11.01
Normalized EBITDA
-0.54
-77.63%
-0.30
-187.86%
0.35
-81.36%
1.86
Reconciled Depreciation
0.21
0.00
0.00
-100.00%
0.81
EBIT
-0.76
-148.36%
-0.30
+94.01%
-5.08
+57.05%
-11.82
Total Unusual Items
0.00
0.00
+100.00%
-5.42
+57.87%
-12.87
Total Unusual Items Excluding Goodwill
0.00
0.00
+100.00%
-5.42
+57.87%
-12.87
Special Income Charges
0.00
0.00
+100.00%
-5.42
+57.87%
-12.87
Impairment Of Capital Assets
0.20
-89.92%
1.95
0.00
Write Off
0.00
0.00
-100.00%
12.55
Net Income
-1.32
+38.36%
-2.15
+80.57%
-11.05
+59.90%
-27.57
Pretax Income
-0.81
-153.77%
-0.32
+94.43%
-5.71
+79.71%
-28.12
Net Non Operating Interest Income Expense
-0.05
-271.43%
-0.01
+97.78%
-0.63
+81.96%
-3.50
Interest Expense Non Operating
0.05
+271.43%
0.01
-97.78%
0.63
-81.96%
3.50
Net Interest Income
-0.05
-271.43%
-0.01
+97.78%
-0.63
+81.96%
-3.50
Interest Expense
0.05
+271.43%
0.01
-97.78%
0.63
-81.96%
3.50
Interest Income Non Operating
Interest Income
Other Income Expense
0.58
+5950.00%
-0.01
+99.82%
-5.42
+57.67%
-12.81
Other Non Operating Income Expenses
0.58
+5950.00%
-0.01
+99.30%
-1.43
-2493.93%
0.06
Gain On Sale Of Business
0.00
0.00
+100.00%
-5.42
-1618.80%
-0.32
Tax Provision
-0.07
0.00
0.00
-100.00%
0.37
Tax Rate For Calcs
0.00
0.00
-100.00%
0.00
-41.56%
0.00
Tax Effect Of Unusual Items
0.00
0.00
+100.00%
-0.79
+75.38%
-3.22
Net Income Including Noncontrolling Interests
-1.54
+24.98%
-2.05
+81.99%
-11.40
+59.97%
-28.49
Net Income From Continuing Operation Net Minority Interest
-0.53
-27.43%
-0.41
+92.30%
-5.35
+80.58%
-27.57
Net Income From Continuing And Discontinued Operation
-1.32
+38.36%
-2.15
+80.57%
-11.05
+59.90%
-27.57
Net Income Continuous Operations
-0.74
-133.33%
-0.32
+94.43%
-5.71
+79.97%
-28.49
Net Income Discontinuous Operations
-0.80
+53.97%
-1.74
+69.54%
-5.70
Minority Interests
0.22
+330.85%
-0.09
-126.70%
0.35
-61.90%
0.92
Normalized Income
-0.53
-27.43%
-0.41
+43.17%
-0.73
+95.95%
-17.92
Net Income Common Stockholders
-1.32
+38.36%
-2.15
+80.57%
-11.05
+59.90%
-27.57
Diluted EPS
-0.07
+50.00%
-0.14
+80.00%
-0.70
+78.10%
-3.20
Basic EPS
-0.07
+50.00%
-0.14
+80.00%
-0.70
+78.10%
-3.20
Basic Average Shares
16.63
+4.92%
15.85
+12.12%
14.13
+64.84%
8.57
Diluted Average Shares
16.63
+4.92%
15.85
+12.12%
14.13
+64.84%
8.57
Diluted NI Availto Com Stockholders
-1.32
+38.36%
-2.15
+80.57%
-11.05
+59.90%
-27.57
Earnings From Equity Interest
0.00
Total Other Finance Cost
-0.02
-100.34%
4.47
+27.76%
3.50
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
9.35
-34.05%
14.17
-11.25%
15.97
-79.17%
76.66
Current Assets
1.81
-86.03%
12.94
-15.20%
15.26
-72.94%
56.41
Cash Cash Equivalents And Short Term Investments
0.94
+18800.00%
0.01
-99.91%
5.72
-84.66%
37.28
Cash And Cash Equivalents
0.94
+18800.00%
0.01
-99.91%
5.71
-84.21%
36.20
Other Short Term Investments
0.00
-100.00%
0.01
-99.44%
1.08
Receivables
0.33
0.00
-100.00%
8.84
-43.49%
15.64
Accounts Receivable
0.33
0.00
-100.00%
0.22
-91.80%
2.70
Gross Accounts Receivable
0.42
0.00
-100.00%
1.73
-53.59%
3.73
Allowance For Doubtful Accounts Receivable
-0.09
0.00
+100.00%
-1.51
-46.55%
-1.03
Receivables Adjustments Allowances
-4.96
-1026.68%
-0.44
+95.06%
-8.91
Other Receivables
1.81
+582.47%
0.27
-78.97%
1.26
Taxes Receivable
0.74
+528.21%
0.12
Loans Receivable
62.48
+620.50%
8.67
-31.30%
12.62
Inventory
0.13
0.00
Prepaid Assets
0.40
+13366.67%
0.00
-99.51%
0.62
-97.47%
24.36
Restricted Cash
0.00
-100.00%
0.21
Assets Held For Sale Current
0.00
-100.00%
12.94
Other Current Assets
1.51
+1574.28%
0.09
-97.24%
3.28
Total Non Current Assets
7.54
+513.93%
1.23
+74.10%
0.71
-96.52%
20.25
Net PPE
0.11
0.00
0.00
-100.00%
13.02
Gross PPE
0.11
0.00
0.00
-100.00%
16.59
Accumulated Depreciation
-13.31
-272.58%
-3.57
Properties
0.00
0.00
0.00
Buildings And Improvements
1.79
0.00
-100.00%
13.44
Machinery Furniture Equipment
13.31
+353.74%
2.93
Other Properties
0.11
Leases
0.21
Goodwill And Other Intangible Assets
7.42
0.00
0.00
-100.00%
1.43
Goodwill
3.76
0.00
Other Intangible Assets
3.66
1.43
Investments And Advances
0.00
-100.00%
5.07
Long Term Equity Investment
35.00
Other Investments
0.00
-100.00%
5.07
Non Current Deferred Assets
Non Current Deferred Taxes Assets
Other Non Current Assets
0.01
-99.27%
1.23
+74.10%
0.71
-2.67%
0.72
Total Liabilities Net Minority Interest
3.27
-95.22%
68.30
-1.81%
69.56
-38.16%
112.48
Current Liabilities
1.44
-97.86%
67.58
-1.90%
68.88
-9.64%
76.24
Payables And Accrued Expenses
0.95
+264.23%
0.26
-99.62%
68.06
+18.50%
57.43
Payables
0.61
+143.78%
0.25
-99.63%
68.06
+23.05%
55.31
Accounts Payable
0.14
0.00
-100.00%
0.70
-78.65%
3.29
Other Payable
0.39
+55.42%
0.25
-98.89%
22.47
+457.40%
4.03
Current Accrued Expenses
0.34
+2990.91%
0.01
0.00
-100.00%
2.12
Total Tax Payable
0.08
0.00
-100.00%
2.66
-49.68%
5.29
Current Debt And Capital Lease Obligation
0.37
+46.80%
0.25
16.38
Current Debt
0.28
+12.80%
0.25
16.38
Other Current Borrowings
0.28
+12.80%
0.25
16.38
Current Capital Lease Obligation
0.09
0.00
0.00
Current Deferred Liabilities
0.12
0.00
-100.00%
0.22
-68.31%
0.68
Current Deferred Revenue
0.12
0.00
-100.00%
0.22
-12.84%
0.25
Other Current Liabilities
0.01
-99.99%
67.07
+10889.46%
0.61
-64.99%
1.74
Total Non Current Liabilities Net Minority Interest
1.82
+150.89%
0.73
+7.79%
0.67
-98.14%
36.24
Liabilities Heldfor Sale Non Current
0.00
-100.00%
0.73
Long Term Debt And Capital Lease Obligation
1.82
0.00
0.00
-100.00%
34.32
Long Term Debt
1.80
34.32
Long Term Capital Lease Obligation
0.02
0.00
0.00
Tradeand Other Payables Non Current
0.00
Non Current Deferred Liabilities
0.00
-100.00%
0.36
Non Current Deferred Taxes Liabilities
0.00
-100.00%
0.36
Other Non Current Liabilities
4.11
+508.78%
0.67
-56.91%
1.57
Stockholders Equity
1.49
+102.66%
-56.04
-1.09%
-55.43
+4.87%
-58.27
Common Stock Equity
1.49
+102.66%
-56.04
-1.09%
-55.43
+4.87%
-58.27
Capital Stock
0.08
+14.29%
0.07
+0.04%
0.07
+75.55%
0.04
Common Stock
0.08
+14.29%
0.07
+0.04%
0.07
+75.55%
0.04
Share Issued
641.91
+15.72%
554.69
-0.63%
558.18
+83.78%
303.73
Ordinary Shares Number
641.91
+15.72%
554.69
-0.63%
558.18
+83.78%
303.73
Additional Paid In Capital
371.95
+22.54%
303.53
+5.65%
287.29
-0.84%
289.71
Retained Earnings
-370.18
+0.04%
-370.33
-4.48%
-354.45
+0.14%
-354.94
Gains Losses Not Affecting Retained Earnings
-0.36
-103.41%
10.69
-8.27%
11.65
+68.64%
6.91
Minority Interest
4.59
+140.51%
1.91
+3.43%
1.84
-91.78%
22.45
Other Equity Adjustments
-0.36
-103.41%
10.69
-8.27%
11.65
+68.64%
6.91
Total Equity Gross Minority Interest
6.08
+111.23%
-54.13
-1.01%
-53.59
-49.61%
-35.82
Total Capitalization
3.29
+105.87%
-56.04
-1.09%
-55.43
-131.39%
-23.96
Working Capital
0.36
+100.67%
-54.63
-1.89%
-53.62
-170.45%
-19.83
Invested Capital
3.57
+106.40%
-55.79
-0.64%
-55.43
-631.41%
-7.58
Total Debt
2.19
+776.40%
0.25
0.00
-100.00%
50.69
Net Debt
1.14
+364.08%
0.24
14.50
Capital Lease Obligations
0.11
0.00
0.00
Net Tangible Assets
-5.93
+89.42%
-56.04
-1.09%
-55.43
+7.15%
-59.71
Tangible Book Value
-5.93
+89.42%
-56.04
-1.09%
-55.43
+7.15%
-59.71
Available For Sale Securities
Duefrom Related Parties Current
0.00
-100.00%
0.00
-99.77%
0.31
Dueto Related Parties Current
302.89
+617.26%
42.23
-1.11%
42.70
Dueto Related Parties Non Current
0.00
Interest Payable
0.27
+2354.55%
0.01
0.00
-100.00%
2.12
Investmentin Financial Assets
0.00
Line Of Credit
Non Current Note Receivables
1.62
0.00
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
0.15
+107.05%
-2.07
-270.53%
1.22
+179.70%
-1.52
Cash Flow From Continuing Operating Activities
-0.91
-242.64%
-0.27
+69.26%
-0.86
+43.46%
-1.52
Cash From Discontinued Operating Activities
1.05
+158.33%
-1.81
-187.00%
2.08
Net Income From Continuing Operations
-0.74
-133.33%
-0.32
+94.43%
-5.71
+79.97%
-28.49
Depreciation Amortization Depletion
0.21
0.00
0.00
-100.00%
0.81
Depreciation
0.21
0.00
0.00
-100.00%
0.81
Amortization Cash Flow
0.00
Depreciation And Amortization
0.21
0.00
0.00
-100.00%
0.81
Amortization Of Intangibles
0.00
Stock Based Compensation
0.01
0.00
+100.00%
-0.97
-247.91%
0.66
Provisionand Write Offof Assets
0.02
0.00
0.00
-100.00%
5.12
Asset Impairment Charge
0.00
0.00
-100.00%
12.26
Deferred Tax
-0.07
0.00
0.00
-100.00%
0.14
Deferred Income Tax
-0.07
0.00
0.00
-100.00%
0.14
Operating Gains Losses
0.20
-96.38%
5.42
+1373.64%
0.37
Gain Loss On Sale Of PPE
0.20
-90.26%
2.01
+3736.99%
0.05
Change In Working Capital
-0.35
-758.49%
0.05
-86.58%
0.40
-94.81%
7.61
Change In Receivables
-0.03
0.00
+100.00%
-0.02
-100.93%
2.16
Changes In Account Receivables
-0.03
0.00
+100.00%
-0.02
-100.89%
2.24
Change In Inventory
0.01
0.00
0.00
Change In Prepaid Assets
-0.34
-6980.00%
0.01
-98.20%
0.28
-90.13%
2.82
Change In Payables And Accrued Expense
0.04
-18.75%
0.05
-64.96%
0.14
-94.80%
2.63
Change In Accrued Expense
0.00
-91.67%
0.05
-64.96%
0.14
-78.64%
0.64
Change In Payable
0.04
-90.64%
0.37
+139.56%
0.16
-92.16%
1.99
Change In Account Payable
0.04
0.00
0.00
-100.00%
0.28
Change In Other Current Assets
-0.03
-103.56%
0.97
-1.97%
0.99
Change In Other Current Liabilities
-0.02
0.00
0.00
+100.00%
-0.99
Investing Cash Flow
-5.27
-47827.27%
-0.01
-100.22%
4.98
-60.36%
12.57
Cash Flow From Continuing Investing Activities
0.15
0.00
0.00
-100.00%
12.57
Cash From Discontinued Investing Activities
-5.42
-49163.64%
-0.01
-100.22%
4.98
Net PPE Purchase And Sale
-0.01
0.00
0.00
+100.00%
-0.01
Purchase Of PPE
-0.01
0.00
0.00
+100.00%
-0.01
Sale Of PPE
0.00
0.00
0.00
Capital Expenditure
-0.01
+58.52%
-0.01
+88.28%
-0.10
-1870.92%
-0.01
Net Investment Purchase And Sale
0.00
-100.00%
5.08
+3338.63%
0.15
Purchase Of Investment
0.00
0.00
+100.00%
-0.15
Sale Of Investment
0.00
-100.00%
5.08
+1634.63%
0.29
Net Business Purchase And Sale
0.15
0.00
0.00
-100.00%
14.51
Purchase Of Business
0.00
0.00
Gain Loss On Sale Of Business
0.00
0.00
-100.00%
5.42
+1618.80%
0.32
Net Other Investing Changes
-2.09
Financing Cash Flow
1.55
+510.24%
0.25
+100.70%
-36.32
-332.80%
-8.39
Cash Flow From Continuing Financing Activities
1.55
+510.24%
0.25
+100.70%
-36.32
-332.80%
-8.39
Net Issuance Payments Of Debt
1.55
+510.24%
0.25
+100.63%
-40.32
-380.47%
-8.39
Issuance Of Debt
1.55
+510.24%
0.25
0.00
-100.00%
35.97
Repayment Of Debt
0.00
0.00
+100.00%
-40.32
+9.11%
-44.36
Long Term Debt Issuance
0.00
-100.00%
0.25
0.00
-100.00%
33.21
Long Term Debt Payments
0.00
0.00
+100.00%
-0.00
Net Long Term Debt Issuance
0.00
-100.00%
0.25
0.00
-100.00%
33.21
Short Term Debt Issuance
1.55
0.00
0.00
-100.00%
2.75
Short Term Debt Payments
0.00
0.00
+100.00%
-40.32
+9.10%
-44.35
Net Short Term Debt Issuance
1.55
0.00
+100.00%
-40.32
+3.08%
-41.60
Net Common Stock Issuance
0.00
0.00
-100.00%
4.00
0.00
Proceeds From Stock Option Exercised
0.00
0.00
Net Other Financing Charges
Changes In Cash
-3.58
-95.52%
-1.83
+93.93%
-30.12
-1236.80%
2.65
Effect Of Exchange Rate Changes
0.14
+170.94%
-0.20
+67.15%
-0.62
-132.44%
1.91
Beginning Cash Position
4.38
-31.71%
6.41
-82.75%
37.15
+14.01%
32.58
End Cash Position
0.94
-78.41%
4.38
-31.71%
6.41
-82.74%
37.14
Free Cash Flow
0.14
+106.81%
-2.07
-270.53%
1.22
+179.43%
-1.53
Interest Paid Supplemental Data
0.00
-100.00%
0.22
-89.62%
2.11
Income Tax Paid Supplemental Data
0.09
-35.54%
0.13
-36.89%
0.21
Change In Income Tax Payable
0.01
+102.07%
-0.44
-140.43%
1.10
Change In Tax Payable
0.01
+102.07%
-0.44
-140.43%
1.10
Common Stock Issuance
0.00
0.00
-100.00%
4.00
0.00
Earnings Losses From Equity Investments
0.00
Issuance Of Capital Stock
0.00
0.00
-100.00%
4.00
0.00
Sale Of Business
0.15
0.00
0.00
-100.00%
14.51
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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