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JFU 
9F Inc (JFU)
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Upturn Advisory Summary
10/31/2025: JFU (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $9.1
1 Year Target Price $9.1
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 86.52% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 56.98M USD | Price to earnings Ratio 1.58 | 1Y Target Price 9.1 |
Price to earnings Ratio 1.58 | 1Y Target Price 9.1 | ||
Volume (30-day avg) 1 | Beta 1.09 | 52 Weeks Range 1.01 - 5.88 | Updated Date 11/1/2025 |
52 Weeks Range 1.01 - 5.88 | Updated Date 11/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 80.19% | Operating Margin (TTM) 18.47% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 6.87% |
Valuation
Trailing PE 1.58 | Forward PE 1.32 | Enterprise Value -333534833 | Price to Sales(TTM) 0.18 |
Enterprise Value -333534833 | Price to Sales(TTM) 0.18 | ||
Enterprise Value to Revenue 0.1 | Enterprise Value to EBITDA 2.83 | Shares Outstanding 8715213 | Shares Floating 92451275 |
Shares Outstanding 8715213 | Shares Floating 92451275 | ||
Percent Insiders 46.96 | Percent Institutions 0.35 |
Upturn AI SWOT
9F Inc
Company Overview
History and Background
9F Inc., also known as JiuFu, was founded in China in 2006. Initially focused on peer-to-peer lending, it has expanded into various fintech services, including online wealth management and digital financial services. The company aimed to provide accessible and convenient financial solutions to underserved populations.
Core Business Areas
- Online Lending: Facilitates loan origination and repayment through its online platform.
- Online Wealth Management: Offers investment products and services to help users manage their wealth.
- Digital Financial Services: Provides a range of digital financial solutions, including payment processing and credit scoring.
Leadership and Structure
The company's leadership typically consists of a CEO, CFO, and other key executives responsible for overseeing different business units. The organizational structure is hierarchical, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Personal Loans: Provides unsecured personal loans to individuals. Market share data is not publicly available for 9F Inc. in the US. Competitors include LendingClub, Upstart, and Prosper.
- Online Wealth Management Products: Offers a range of investment products, including mutual funds and fixed-income products. Market share data is not publicly available for 9F Inc. in the US. Competitors include Betterment, Wealthfront, and Schwab.
Market Dynamics
Industry Overview
The fintech industry is characterized by rapid innovation, increasing regulatory scrutiny, and growing demand for digital financial services.
Positioning
9F Inc. aims to position itself as a leading provider of digital financial solutions, focusing on underserved markets. Its competitive advantages may include its established brand reputation and technology platform.
Total Addressable Market (TAM)
The global fintech market is estimated to be worth trillions of dollars. 9F Inc.'s position within this TAM is dependent on their ability to penetrate the US market and adapt to the local regulations.
Upturn SWOT Analysis
Strengths
- Established brand in China
- Technology platform
- Experienced management team
Weaknesses
- Limited market presence in the US
- Regulatory challenges
- Dependence on Chinese market
Opportunities
- Expanding into new markets
- Developing new products and services
- Forming strategic partnerships
Threats
- Increased competition
- Changes in regulations
- Economic downturn
Competitors and Market Share
Key Competitors
- LC
- UPST
- SOFI
Competitive Landscape
9F Inc. faces intense competition from established fintech companies and traditional financial institutions. It needs to differentiate itself through innovation, superior customer service, or competitive pricing.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to financial data across several years.
Future Projections: Future projections depend on analyst estimates which may not be readily available for all companies.
Recent Initiatives: Information not generally available on 9F Inc.
Summary
9F Inc. has a potentially viable platform, but faces significant challenges establishing itself in the US market. Its success depends on adapting to local regulations, differentiating itself from competitors, and securing funding for growth. While the fintech market offers ample opportunities, 9F Inc. needs to address its weaknesses and mitigate potential threats to achieve sustainable growth. The China Market offers further growth to 9F Inc. in the future.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered investment advice. Market share data is estimated and may not be precise. Financial data may be outdated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About 9F Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2019-08-15 | Co-Founder, President, CEO, Chief Risk Officer & Director Mr. Lei Liu | ||
Sector Technology | Industry Information Technology Services | Full time employees 277 | Website https://www.9fgroup.com |
Full time employees 277 | Website https://www.9fgroup.com | ||
9F Inc., together with its subsidiaries, provides digital technology and wealth management services in the People's Republic of China and Hong Kong. The company operates through E-Commerce Services, Technology Empowerment Services, and Wealth Management Services segments. It offers technology empowerment services to the banking, automobile, securities investment, and insurance industries; e-commerce business services through third-party e-commerce platforms, which offers various categories of merchandise, including 3C products, beauty and skin care products, food, household appliances, and liquor and beverages; and wealth management and investment advisory services. The company also provides internet securities services, such as real time trading information and professional news push notification services; online whole-process account opening services using facial recognition and e-signatures; transfer, FPS, and EDDA deposit and withdrawal services; multi-category trading services; and account design services, as well as fund sales and insurance brokerage services. It serves 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 based in Beijing, the People's Republic of China.
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