J and Friends Holdings Limited (JF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
J and Friends Holdings Limited stock (JF) is currently trading at $0.94. J and Friends Holdings Limited PS ratio (Price-to-Sales) is 0.43. WallStSmart rates JF as Sell.
- JF PE ratio analysis and historical PE chart
- JF PS ratio (Price-to-Sales) history and trend
- JF intrinsic value — DCF, Graham Number, EPV models
- JF stock price prediction 2025 2026 2027 2028 2029 2030
- JF fair value vs current price
- JF insider transactions and insider buying
- Is JF undervalued or overvalued?
- J and Friends Holdings Limited financial analysis — revenue, earnings, cash flow
- JF Piotroski F-Score and Altman Z-Score
- JF analyst price target and Smart Rating
J and Friends Holdings
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Smart Analysis
J and Friends Holdings Limited (JF) · 6 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales. Concerns around market cap and operating margin. Significant fundamental concerns warrant caution or avoidance.
J and Friends Holdings Limited (JF) Key Strengths (1)
Paying less than $1 for every $1 of annual revenue
Supporting Valuation Data
J and Friends Holdings Limited (JF) Areas to Watch (5)
Losing money on operations
Company is losing money with a negative profit margin
Revenue growing slowly at 2.70% annually
Very low institutional interest at 0.99%
Micro-cap company with very limited liquidity and high volatility
J and Friends Holdings Limited (JF) Detailed Analysis Report
Overall Assessment
This company scores 18/100 in our Smart Analysis, earning a F grade. Out of 6 metrics analyzed, 1 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 1.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales. Valuation metrics including Price/Sales (0.43) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Operating Margin, Profit Margin, Revenue Growth. Growth concerns include Revenue Growth at 2.70%, which may limit upside. Profitability pressure is visible in Operating Margin at -47.10%, Profit Margin at -33.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Operating Margin at -47.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 2.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Operating Margin and Profit Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
JF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
JF's Price-to-Sales ratio of 0.43x sits near its historical average of 0.42x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 0.43x set in Mar 2026, and 5% above its historical low of 0.41x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for J and Friends Holdings Limited (JF) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
J and Friends Holdings Limited is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 36M with 270% growth year-over-year. The company is currently unprofitable, posting a -33.5% profit margin.
Key Findings
Revenue growing at 270% YoY, reaching 36M. This pace significantly outperforms most CREDIT SERVICES peers.
The company is unprofitable with a -33.5% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Growth sustainability: can J and Friends Holdings Limited maintain 270%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact J and Friends Holdings Limited.
Bottom Line
J and Friends Holdings Limited is a high-conviction growth story with revenue accelerating at 270% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -33.5% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About J and Friends Holdings Limited(JF)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
China
J and Friends Holdings Limited, 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 is headquartered in Beijing, the People's Republic of China.