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9F Inc.

JFU

$2.45 ▲ +0.01 (+0.20%) at close

9 Visible periods

26 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Neutral

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Analytical Summary

9F Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $577.0M

Dividend Yield —

Revenue Growth 12.2% ↗

Op. Margin 8.4% ↗

ROIC 0.2% ↗

FCF / Share $0.13 ↗

Trailing P/E 24.5x

Price / Book 1.1x

FCF Yield 5.2%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$19.21M

↑ +12.2% —

Net Income Profit after all expenses

$24.05M

↑ +251.2% —

Operating Margin Operating profit as % of sales

8.4%

↑ +123.1% 52th

FCF / Share Free cash flow per share

$0.13

↑ +366.2% —

Health Breakdown

Profitability

Returns

Cash Quality ↑

Financial view

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Annual Quarterly

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Revenue Growth YoY (%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+103%)	-70.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1275%)	-28.7% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-578%)	-31.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-631%)	-37.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-732%)	-69.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1262%)	—	—	—
EPS Growth YoY (%)	233.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	78.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-117.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	90.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	251.2% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	77.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-133.9% Weak ↓ Weak Declining Year-over-year change in net income	89.4% Excellent Excellent Year-over-year change in net income	-11.6% Weak Weak Year-over-year change in net income	—	—	—
FCF Growth YoY (%)	366.2% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-27.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	-5.0% Weak ↑ Weak Improving Year-over-year change in free cash flow	N/M	87.5% Excellent Excellent Year-over-year change in free cash flow	-281.3% Weak Weak Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	-38.2% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-47.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-32.9% Weak Weak Compound annual revenue growth over 3 years	-49.6% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	-36.9% Weak Weak Compound annual revenue growth over 5 years	-51.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Operating Margin (%) (%)	8.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-36.4% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-245%)	-46.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-288%)	-26.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-207%)	—	—	—	—	—
Effective Tax Rate (%) (%)	—	—	-5.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	—	40.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	-34.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-255%)	-105.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-581%)	-30.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-240%)	-179.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-917%)	-48.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-322%)	—	—
FCF Margin (%) (%)	154.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	37.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	15.2% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.3% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-30.2% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-138.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-9.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	1.23x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.93x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	-0.45x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.11x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.98x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.77x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.20x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Return on Invested Capital (%)	0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-5.8% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-4.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—
Return on Capital (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	-3.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	-4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	-16.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-236%)	-5.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-54.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-552%)	-34.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-387%)	—	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Net Debt (USD)	$-62.14M	$-51.97M	$-237.52M	—	$-383.43M	$-417.89M	$-672.82M	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Revenue per Share (USD)	$0.08	$0.07	$0.25	$0.35	$0.56	$0.97	$3.64	—	—
Basic EPS, GAAP (USD)	$0.10	$0.03	$-0.08	$-0.37	$-0.17	$-1.74	$-1.79	—	—
Free Cash Flow per Share (USD)	$0.13	$0.03	$0.04	$0.04	$-0.17	$-1.35	$-0.35	—	—
Book Value per Share (USD)	$2.25	$2.10	$2.10	$2.27	$2.80	$3.14	$4.62	—	—
Tangible Book Value per Share (USD)	$2.25	$2.09	$2.09	$2.24	$2.76	$3.09	$4.51	—	—
Basic Weighted Avg Shares (shares)	235.50M	235.50M	235.47M	233.22M	213.64M	198.60M	174.55M	162.67M	124.41M

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Total Equity (USD)	$530.79M	$493.44M	$495.49M	$530.10M	$648.75M	$638.86M	$902.18M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗
Sales/Revenue/Turnover (USD)	$19.21M	$17.12M	$58.09M	$81.43M	$119.49M	$192.49M	$635.61M	—	—
Depreciation Expense (USD)	$1.93M	$1.24M	$1.68M	$2.72M	$3.94M	$2.22M	$4.03M	—	—
Net Income, GAAP (USD)	$24.05M	$6.85M	$-19.77M	$-86.23M	$-36.86M	$-346.19M	$-310.20M	—	—
Operating Cash Flow (USD)	$29.70M	$6.37M	$8.80M	$9.18M	$-36.05M	$-267.37M	$-61.63M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 9 years · 9 quarters

9F Inc.

Analytical Summary

9-Year Financial Trajectory

Health Breakdown

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