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J and Friends Holdings Limited - Sponsored ADR

JF Financial Credit Services

J and Friends Holdings Limited - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.6 million, down 66.8% from fiscal 2024.

0.93 0.01 −1.06%
Market cap
$16.0M
P/E
0.0×
Fwd P/E
—
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 16.01
Revenue 28.88
Net Income (9.76)
Free Cash Flow —
Net Debt (4.33)
Current Ratio 0.18
Debt/Equity (0.01)
P/E ratio 0.00
Fwd P/E —
P/S ratio 0.06
P/B ratio 0.00
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 43.32%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2020 Powerpack
2019 Powerpack
2018 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2022 2023 2024 2025
Cash 37 6 0 1
Receivables 16 9 9 0
Inventory — — — 0
Other 1 0 — —
56 15 13 2
2022 2023 2024 2025
Payables 3 1 1 0
ST’ Debt 16 — 0 —
Other 1 0 — —
76 69 68 1

Compound Annual Growth %

10y 5y 3y
Sales (15.15%) (51.24%) (47.13%)
Cash Flow 0.00% (55.88%) 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 0.00% (3.77%) 0.00%

Revenue $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 2
’24 — — — — 5
’23 — — — — 7
’22 — — — — 11
’21 — — — — 27
’20 — — — — 58
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 0
’24 — — — — (2)
’23 — — — — 1
’22 — — — — (2)
’21 — — — — (5)
’20 — — — — 9
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 0
’24 — — — — (2)
’23 — — — — 1
’22 — — — — (2)
’22 — — — — (2)
’21 — — — — (5)
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — (0.08)
’24 — — — — (0.13)
’23 — — — — (0.69)
’22 — — — — (3.15)
’21 — — — — (1.99)
’20 — — — — (5.25)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 46.70 2.00 3.75 2.00 0.25 0.35 0.71 0.76

Analyst estimates 2026–2028

Powerpack
High — — 75.50 67.50 16.40 14.95 7.10 1.45 1.27 1.38
People
People Employees — 449 362 256 157 124 83 70 78 30
Revenue/emp, $m 0.00 0.19 0.42 0.72 0.37 0.22 0.13 0.11 0.06 0.05
Income, $m
Income, $m Revenue 8 86 153 185 58 27 11 7 5 2
Gross margin, % 0.00 34.52 47.26 40.11 24.45 48.21 15.94 27.54 63.47 71.53
EBT (30) (10) 1 (130) (38) (16) (28) (13) 0 (1)
EBT margin, % (365.07) (11.67) 0.75 (70.38) (65.28) (58.85) (260.19) (180.51) (6.60) (50.50)
Net income (30) (13) 0 (130) (45) (17) (28) (11) 0 (1)
Depreciation — 1 1 2 2 2 1 0 0 0
Per share, $
Per share, $ Revenue 0.22 47.84 51.52 22.90 6.82 3.17 1.26 0.53 0.30 0.10
Earnings (0.14) (7.14) (3.40) (16.15) (5.25) (1.99) (3.15) (0.69) (0.13) (0.08)
Cash flow (0.49) 16.61 5.30 3.12 1.03 (0.59) (0.18) 0.09 (0.13) 0.01
Capex 0.00 (0.19) (0.20) (0.18) (1.75) 0.03 0.00 (0.01) 0.00 0.00
Free cash flow (0.49) 16.42 5.10 2.94 (0.72) (0.56) (0.18) 0.08 (0.13) 0.01
Book value (0.03) (5.23) 51.75 6.39 0.87 (1.19) (4.18) (3.79) (3.42) 0.37
Shares, m 38 2 3 8 8 9 9 14 16 17
Valuation, ×
Valuation, × P/E 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
P/S 0.00 0.00 0.00 0.08 0.06 0.05 0.02 0.07 0.06 0.06
P/B 0.00 0.00 0.67 0.66 0.00 0.00 0.00 0.00 0.00 0.00
EV/Sales 0.00 0.00 0.00 0.33 (0.17) (0.13) 0.00 1.23 1.05 0.58
EV/FCF 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash, $m
Cash, $m Operating cash flow (19) 30 16 25 9 (5) (2) 1 (2) 0
Capex 0 0 (1) (1) (15) 0 0 0 0 0
Free cash flow (19) 29 15 24 (6) (5) (2) 1 (2) 0
Balance, $m
Balance, $m Working capital — 31 136 11 31 19 (20) (54) (55) 0
Total debt 55 292 134 115 82 63 51 — 0 2
Net debt 51 235 31 46 0 28 14 (6) 0 1
Shareholders’ equity (1) (9) 154 52 7 (10) (36) (54) (54) 6
Returns, %
Returns, % ROA (15.95) (5.28) (3.04) (45.77) (24.08) (11.85) (28.12) (24.00) (14.25) (11.26)
ROIC 0.00 (2.24) (0.50) (67.35) (269.63) (38.56) 0.00 0.00 0.00 (12.08)
ROE 670.66 207.91 (15.03) (126.77) (152.99) 1,124.62 119.80 24.86 3.99 5.51
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2018

Charts ten years each

J and Friends Holdings Limited - Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WEI Weidai Ltd. Sponsored ADR $67.6M — (loss-making) — −36.85% (below 0%: shrinking) n/m — 0.00% 0.00% Compare
ANTA Antalpha Platform Holding Company $55.9M 3.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
VRM Vroom, Inc. $46.3M — (loss-making) — (loss-making) −4.68% (below 0%: shrinking) n/m +8.45% (above 0%: growing) 100.00% 49.68% Compare
JFIN Jiayin Group Inc. Sponsored ADR $30.9M 1.7× — (loss-making) −58.75% (below 0%: shrinking) n/m +213.65% (above 0%: growing) 25.45% (33.47%) Compare
OMCC Old Market Capital Corporation $24.4M — (loss-making) 26.3× +6.80% (above 0%: growing) n/m −34.36% (below 0%: shrinking) 86.04% (30.48%) Compare
JF J and Friends Holdings Limited - Sponsored ADR $16.0M — (loss-making) — −64.26% (below 0%: shrinking) n/m — 0.00% 0.00%
AIJTY Jianpu Technology Inc. $12.8M — (loss-making) — (loss-making) +2.06% (above 0%: growing) n/m −75.61% (below 0%: shrinking) 27.49% (3.82%) Compare
CUROQ CURO Group Holdings Corp. $5.9M — (loss-making) — (loss-making) −2.09% (below 0%: shrinking) n/m −130.32% (below 0%: shrinking) 44.96% 20.75% Compare
SNTG Sentage Holdings Inc. $4.9M — (loss-making) — −99.99% (below 0%: shrinking) −309.09% (below 0%: shrinking) +29.42% (above 0%: growing) 0.00% 0.00% Compare
Median of peers $27.6M — — −16.46% — 0.00% 36.22% (1.91%)

All 55 Credit Services stocks →

J and Friends Holdings Limited - Sponsored ADR (JF) key facts

  • Concern: J and Friends Holdings Limited - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.6 million, down 66.8% from fiscal 2024.
  • J and Friends Holdings Limited - Sponsored ADR (JF) is a Credit Services company in the Financial sector, traded in the US as an ADR.
  • As of October 16, 2026, JF traded at $0.93, a market capitalization of $16.0 million.
  • Return on equity was 5.51% and debt-to-equity -0.01.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

J and Friends Holdings Limited - Sponsored ADR (JF) Latest News

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stockrow.com/JF · Data as of Sep 30, 2018 · For information only; not investment advice. · © 2026 stockrow.com