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9F Inc.

JFU NASDAQ Categories PDF
Technology · Information Technology Services · China · Updated May 11, 1:56pm
$4.24
Price
$49.9M
Market Cap
276
Employees
1.23
Beta
Lei Liu
CEO
Business Description

9F Inc., together with its subsidiaries, operates internet securities service platform in the People's Republic of China. Its products include digital financial accounts that offer online lending, wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to o financial institution partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, bank wealth management products, and mutual funds to investors in various platforms, including Wukong Licai, 9F Wallet, and 9F Puhui. The company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills comprising utility bills; and other value-added services consisting of credit history search, debt consolidation, and user referral services. In addition, it offers technology empowerment services to banking, automobile, securities investment, and insurance industries; and engages in E-commerce business, which offers various categories of merchandise, including 3C products, beauty and skin care products, rice, noodle and oils, household appliances, jewelry, and liquor and beverages. It provides its services to borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is headquartered in Beijing, the People's Republic of China.

Business History
Price Overview
Last updated: May 11, 2026 1:56pm (just now)
$4.24
+0.64 (+17.82%)
Day Range
$3.07 – $4.25
52-Week Range
$1.25 – $9.48
50-Day MA
$3.56
200-Day MA
$4.05
Volume
14,421.67
Share Structure
Outstanding 11,775,124.00
Float 4,622,564.00
Free Float 39.3%
Moderate free float — 39.3% of shares trade freely, ~60.7% held by insiders/institutions
Reasonable but insiders still hold a significant stake. This can be positive (skin in the game) but may limit liquidity during sell-offs.
Small absolute float (4.6M shares) — even with a decent free float %, volume can be thin. Check average daily volume before sizing a position.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
API Direct from provider CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
API
Stock Price / EPS (Diluted)
1.43
Stock Price: $4.24
EPS (Diluted): 14.00
P/B Ratio (Price vs net asset value)
API
Stock Price / Book Value Per Share
0.14
Stock Price: $4.24
Total Equity: $3.71B
Shares: 11,796,416
EV/EBITDA (Total value vs operating profit)
API
Enterprise Value / EBITDA
-1.52
Market Cap: $49.94M
Total Debt: $23.91M
Cash: $750.60M
EBITDA: $239.67M
Enterprise Value (Takeover price (cap + debt - cash))
API
Market Cap + Total Debt - Cash
-$200.6M
Market Cap: $49.94M
Total Debt: $23.91M
Cash: $750.60M
Gross Margin (Revenue left after direct costs)
API
Gross Profit / Revenue
72.4%
Gross Profit: $332.78M
Revenue: $459.62M
Operating Margin (Revenue left after all operations)
API
Operating Income / Revenue
118.6%
Operating Income: $545.02M
Revenue: $459.62M
Net Margin (Revenue left as actual profit)
API
Net Income / Revenue
35.6%
Net Income: $163.62M
Revenue: $459.62M
ROE (Profit from shareholder equity)
API
Net Income / Total Equity
6.4%
Net Income: $163.62M
Total Equity: $3.71B
ROIC (Profit from all invested capital)
API
NOPAT / Invested Capital
0.9%
Operating Income: $545.02M
Tax Rate: 25.2%
Equity: $3.71B
Total Debt: $23.91M
Cash: $750.60M
Current Ratio (Can it pay short-term bills)
API
Current Assets / Current Liabilities
38.53
Current Assets: $921.42M
Current Liabilities: $23.91M
Debt/Equity (Leverage — debt vs equity)
CALC
Total Debt / Total Equity
0.01
Short-Term Debt: $23.91M
Long-Term Debt: -$8,005
Total Debt: $23.91M
Total Equity: $3.71B
Rev/Share (Top-line per share)
CALC
Revenue / Shares Outstanding
$38.96
Revenue: $459.62M
Shares: 11,796,416
Book Value/Share (Net assets per share)
CALC
(Total Assets - Total Liabilities) / Shares
$314.86
Total Equity: $3.71B
Shares: 11,796,416
FCF/Share (Real cash generated per share)
CALC
(Operating Cash Flow + CapEx) / Shares
$16.41
Operating CF: $196.17M
CapEx: -$2.59M
Shares: 11,796,416
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
API
Last Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $4.24
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $163.62M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares JFU against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Deep Analysis

Pre-flight intelligence scans the company first, then routes to the right analytical methods.

0 Company Classification — What type of company is this?
1 Industry Landscape — Where is the industry headed?
2 Company Momentum — Where is this company trending?
3 Forward Projection — 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a DCF Valuation — Present value of future cash flows
4b Earnings Power Value — Floor value — worth with zero growth
4c Anchored PE — Industry PE adjusted for growth differential
4d Reverse DCF — What growth is the market pricing in?
4e Revenue-Based DCF — For growth/narrative companies (skip if mature earner)
4f Anchored P/S — Price-to-Sales peer comparison (skip if mature earner)
4g Scenario Analysis — Bull / Base / Bear (skip if mature earner)
4h Dividend Discount Model — For dividend/income stocks only
4i Book Value Analysis — For deep value / turnaround stocks only
4j Insider Activity — Are insiders buying or selling?
4f Cash Flow Quality — How trustworthy is the FCF?
4g Debt Maturity Risk — Can it handle its debt?
4h Macro Environment — Rates, market valuation, volatility
4i Sector Intelligence — How does this company compare within its sector?
4j Revenue Confidence — How reliable is the growth projection?
4k Sensitivity Analysis — How fragile is the fair value estimate?
4l Sector Demand Cycle — Is the sector in a boom, steady state, or contraction?
5 AI Investigation — Adaptive research engine (Claude)
5b Thesis Evaluation — What does the market believe? (narrative/platform stocks only)
6 Valuation Synthesis — Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Metric 2021 2022 2023 2024 2025
Revenue $761.5M $561.7M $412.4M $310.0M $459.6M
Cost of Revenue $106.2M $115.4M $115.2M $107.8M $126.8M
Gross Profit $655.3M $446.2M $297.3M $202.1M $332.8M
Operating Expenses $710.7M $596.5M $490.8M $247.6M -$212.2M
Operating Income -$55.5M -$150.3M -$193.6M -$45.5M $545.0M
Net Income -$234.9M -$594.7M -$140.2M $50.0M $163.6M
EBITDA -$23.9M -$129.3M -$176.0M -$23.1M $239.7M
EPS $-22.00 $-51.00 $-12.00 $4.20 $14.00
EPS (Diluted) — — — — —
Balance Sheet (Annual)
Metric 2021 2022 2023 2024 2025
Cash & Equivalents $2.4B $2.4B $1.7B $379.4M $750.6M
Total Current Assets $4.2B $3.6B $2.9B $3.2B $921.4M
Total Assets $5.0B $4.3B $4.0B $4.1B $4.4B
Current Liabilities $834.0M $584.2M $446.0M $453.7M $23.9M
Long-Term Debt $0 $0 $0 $0 $-8,005
Total Liabilities $859.7M $599.6M $466.7M $466.5M $597.1M
Total Equity $4.1B $3.7B $3.5B $3.6B $3.7B
Retained Earnings -$2.1B -$2.7B -$2.8B -$2.8B -$2.6B
Cash Flow (Annual)
Metric 2021 2022 2023 2024 2025
Operating Cash Flow -$229.7M $63.3M $62.5M $46.5M $196.2M
Capital Expenditure -$7.7M -$44.8M -$5.7M -$1.1M -$2.6M
Free Cash Flow -$237.5M $18.5M $56.8M $45.4M $193.6M
Acquisitions (net) -$10.8M -$2.9M $-14,000 $9.3M $0
Debt Repayment — — — — —
Dividends Paid — — — — —
Stock Buybacks $0 $0 $0 $0 $0
Net Change in Cash -$378.1M -$107.3M -$812.0M -$1.2B $134.0M
Growth Trends (YoY %)
Metric 2022 2023 2024 2025
Revenue Growth -26.2% -26.6% -24.8% +48.3%
Gross Profit Growth -31.9% -33.4% -32.0% +64.6%
Operating Income Growth -171.0% -28.8% +76.5% +1,299.0%
Net Income Growth -153.2% +76.4% +135.7% +227.3%
EBITDA Growth -440.6% -36.1% +86.9% +1,136.9%
Insider Trading (Recent)
Date Insider Type Shares Price Value
2026-03-18 Ouyang Yuping 0.00 $0.00 $0
2026-03-18 Gong Fangxiong 0.00 $0.00 $0
2026-03-18 Ren Yifan 0.00 $0.00 $0
2026-03-18 Zhang Li (Joanne) 0.00 $0.00 $0
2026-03-18 Sun Lei 0.00 $0.00 $0
2026-03-18 Sun Lei 0.00 $0.00 $0
2026-03-18 Liu Lei (LL) 0.00 $0.00 $0
2026-03-18 Liu Lei (LL) 0.00 $0.00 $0
2026-03-18 Liu Lei (LL) 1,500,000.00 $2.34 $3.5M
2026-03-18 Xiao Changxing 0.00 $0.00 $0
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My Notes personal — only you see this
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.193 · 1946f027 · 2026-05-08 18:57:27