US · JF
J and Friends Holdings Limited Sponsored ADR Class A
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Beijing 101111
- Website
- ir.j-friends.com
Price · as of 2024-12-31
$1.06
Market cap 378.32K
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $146.40 | +13,776.78% |
| Intrinsic Value(DCF) | $0.40 | -62.09% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $150.00 | +14,118.01% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $0.00 | $0.00 | |||
| 2018 | $56.25 | $1,908.46 | $1,997,263,934.87 | $1,118.90 | $0.00 |
| 2019 | $11.70 | $30,066.04 | $3,796.95 | $0.00 | $5,964.80 |
| 2020 | $6.80 | $110.51 | $0.00 | $0.00 | $10,085.60 |
| 2021 | $2.85 | $760.23 | $0.00 | $0.00 | $2,548.30 |
| 2022 | $0.60 | $98.61 | $0.00 | $0.00 | $5,049.30 |
| 2023 | $1.17 | $446.69 | $0.00 | $0.00 | $546.70 |
| 2024 | $0.99 | $1,043.90 | $0.00 | $0.00 | $150.00 |
AI valuation
Our deep-learning model estimates J and Friends Holdings Limited Sponsored ADR Class A's (JF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $146.40
- Current price
- $1.06
- AI upside
- +13,776.78%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$0.40
-62.09% upside
Graham-Dodd
—
— upside
Graham Formula
$150.00
+14,118.01% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| JF | J and Friends Holdings Li… | $1.06 | 378.32K | +98,848% | -62% | — | +14,118% | -0.16 | -0.01 | 0.07 | 1.67 | — | -0.01 | 63.46% | -40.13% | -43.98% | 3.69% | 3.26% | -13.64% | -0.01 | — | 0.19 | 0.18 | 1.87 | -8241.00% | -3334.00% | -29014.00% | -616.94% | -0.03 | 3.47% | 0.00% | 0.00% | 0.00% | 1.41 | 1.32 | -0.56 | -38.95 |
| AIHS | Senmiao Technology Limite… | $1.30 | 1.52M | +209,993% | +248% | — | +3,313% | -3.05 | -4.16 | 3.51 | -5.26 | — | -3.68 | 25.07% | -114.12% | -109.92% | 397.26% | 299.26% | -49.73% | -0.13 | -255.37 | 0.43 | 0.23 | 0.21 | -1951.00% | -2155.00% | -17506.00% | 4.19% | 0.10 | -38.59% | 0.00% | 0.00% | 2.53% | -2.95 | 22.91 | 3.37 | -11.81 |
| NISN | Nisun International Enter… | $0.59 | 2.83M | +165,734% | +376% | +8,022% | — | 30.81 | 0.14 | 0.08 | -2.49 | — | 0.15 | 9.10% | 1.09% | 0.27% | 0.46% | 1.25% | 0.31% | 0.03 | — | 4.23 | 2.19 | -5.75 | -9484.00% | -1217.00% | -31663.00% | -266.11% | -1.27 | -63.64% | 0.00% | 0.00% | 3.71% | -4.43 | 0.22 | -0.05 | 2.80 |
| PETZ | TDH Holdings, Inc. | $1.11 | 11.41M | +14,569% | +72% | +257% | — | 5.89 | 0.45 | 22.03 | -9.56 | — | 0.45 | 42.29% | -325.10% | 476.21% | 8.12% | 3254.45% | 6.78% | 0.09 | -26.62 | 6.86 | 6.82 | -9.19 | -12469.00% | -8225.00% | -1540.00% | -17.03% | -0.06 | 3756.83% | 0.00% | 0.00% | 4.16% | 7.46 | 6.46 | -24.26 | 0.97 |
| PHI | PLDT Inc. | $23.93 | 5.17B | +158% | -48% | — | +16% | 7.03 | 2.60 | 1.38 | 7.29 | 33.09 | 5.89 | 72.98% | 49.91% | 14.90% | 38.70% | 19.87% | 6.93% | 2.91 | 7.02 | 0.34 | 0.23 | 3.80 | 2125.00% | 279.00% | 8342.00% | 4.48% | 0.43 | 3.24% | 6.91% | 48.60% | 6.91% | 5.77 | 46.48 | 2.88 | 1.11 |
| RETO | ReTo Eco-Solutions, Inc. | $0.90 | 528.35K | +312,727% | +3,187% | — | +56,325% | -1.79 | 0.50 | 8.12 | -1.73 | — | 0.67 | 45.12% | -225.87% | -456.68% | -48.50% | -19.61% | -27.94% | 0.00 | -1297.85 | 0.35 | 0.21 | 0.07 | -6803.00% | -4349.00% | -6327.00% | -29.06% | 0.78 | -20.48% | 0.00% | 0.00% | 60.47% | -3.46 | -3.31 | 7.81 | -1.31 |
| SNTG | Sentage Holdings Inc. | $1.91 | 5.36M | +1,485% | +8% | -96% | +548% | -2.67 | 0.52 | 49.84 | -2.61 | — | 0.53 | 92.49% | -1615.25% | -1864.84% | -17.86% | -17.81% | -16.31% | 0.01 | — | 7.45 | 7.33 | 0.68 | -1125.00% | -2664.00% | -551.00% | -32.63% | -5.56 | -17.93% | 0.00% | 0.00% | 0.00% | -2.45 | -2.43 | 39.50 | -3.50 |
| SXTC | China SXT Pharmaceuticals… | $2.28 | 1.95M | +6,431% | +5,777% | — | +346% | -35.58 | 7.61 | 67.52 | -39.03 | -27.55 | 7.62 | 21.11% | -153.97% | -189.77% | -22.50% | -189.29% | -14.75% | 0.06 | -4.14 | 3.54 | 3.33 | 6.65 | 12913.00% | -973.00% | 2130.00% | -2.00% | -0.39 | -165.76% | 0.00% | 0.00% | 6.54% | -37.47 | -42.78 | 57.69 | 10.04 |
About J and Friends Holdings Limited Sponsored ADR Class A
J and Friends Holdings Limited, together with its subsidiaries, 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 connects business partners and financial partners on its open platform and enables them to provide financial services to end users. It also provides point-of-sale financing solutions to its business partners on their platforms or on its own platform under the Dumiao brand; and business installment loan solutions to its business partners on their platforms or on its own platform. In addition, the company offers wealth management solutions, including a fund distribution solution that enables partners to offer and distribute mutual fund products to their customers, either under its Hongdian brand or as a white label solution; and a robo-advisory solution under the Polaris brand which enables its financial and business partners to provide robo-advisory services to their customers. Further, the company provides international installment loan solutions; Myfin, an insurance solution, that enables its partners to offer and distribute insurance products to its users; value added tools to business and financial partners for deploying its solutions, monitor and evaluate performance, and scale their business; digital marketing tools to target users, implement intelligent digital marketing activities, and increase marketing efficiencies and effectiveness; and real time monitoring tools that offer comprehensive and visualized performance monitoring interface. The company was formerly known as Pintec Technology Holdings Limited and changed its name to J and Friends Holdings Limited in January 2026. J and Friends Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.
- CEO
- Zexiong Huang
- Employees
- 78
- Beta
- 0.92
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($0.40 ÷ $1.06) − 1 = -62.09% (DCF, example).