9F Inc. logo

9F Inc.

JFU

NASDAQTechnologyInformation Technology Services

Previous close

$2.90

+$0.13 · +4.69%

Aug 21, 4:00 PM ET

JFU company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

75

Undervalued

Momentum

15

Strong Down

Sentiment

60

Mixed

Risk resilience

25

High Risk

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Company profile

Company website

9F Inc., along with its subsidiary entities, operates an extensive online financial services platform across the People's Republic of China. The company's core offerings include digital financial accounts that streamline online lending, wealth management, and payment processing services. They extend both revolving and non-revolving loan products directly to individuals seeking credit, and also provide traffic referral services to their partner financial institutions. For investors, 9F presents a diverse range of online wealth management products—including fixed income securities, equities, insurance, bank-issued wealth products, and mutual funds—accessible through various proprietary platforms such as Wukong Licai, 9F Wallet, and 9F Puhui. Beyond these primary financial activities, 9F Inc. facilitates payment solutions, enabling users to settle credit card bills and various household expenses like utilities. Additional value-added services encompass credit history inquiries, debt restructuring assistance, and customer referral programs. The company further provides technology-driven empowerment solutions to a variety of sectors, including banking, automotive, securities investment, and insurance. Complementing its financial endeavors, 9F is also engaged in an e-commerce business, marketing a broad assortment of goods ranging from 3C products and beauty items to essential groceries (e.g., rice, noodles, oils), home appliances, jewelry, and alcoholic beverages. Serving a diverse client base of borrowers, investors, and collaborating financial institutions, 9F Inc. was founded in 2006. The company, originally known as JIUFU Financial Technology Service Limited, adopted its current name in June 2014 and maintains its corporate headquarters in Beijing, China.

Industry
Information Technology Services
Sector
Technology
Headquarters
CN
CEO
Lei Liu
Listed since
Aug 15, 2019
Employees
185

Market position

Day range

Current $2.90

52-week range

Current $2.90

Open
$2.77
Previous close
$2.77
Volume
13.59K
0.14× average
Average volume
93.98K
Average daily volume
Market cap
34.15M USD
Beta
1.14
Market reference 1
50-day average
$2.4621
+17.78% above average
200-day average
$4.0067
-27.62% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
1.39×
P/B (TTM)
0.06×
P/S (TTM)
0.79×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
70.66%
Operating margin
3.89%
Net margin
58.02%

Financial health

Debt / equity
0.01×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends141%51%-39%-128%Gross margin, FY2021: 86.06%Gross margin, FY2022: 79.45%Gross margin, FY2023: 72.07%Gross margin, FY2024: 65.21%Gross margin, FY2025: 72.41%Operating margin, FY2021: -7.28%Operating margin, FY2022: -26.76%Operating margin, FY2023: -46.93%Operating margin, FY2024: -14.66%Operating margin, FY2025: 118.58%Net margin, FY2021: -30.85%Net margin, FY2022: -105.89%Net margin, FY2023: -33.99%Net margin, FY2024: 16.13%Net margin, FY2025: 35.60%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 86.06%. Gross margin FY2022 79.45%. Gross margin FY2023 72.07%. Gross margin FY2024 65.21%. Gross margin FY2025 72.41%. Operating margin FY2021 -7.28%. Operating margin FY2022 -26.76%. Operating margin FY2023 -46.93%. Operating margin FY2024 -14.66%. Operating margin FY2025 118.58%. Net margin FY2021 -30.85%. Net margin FY2022 -105.89%. Net margin FY2023 -33.99%. Net margin FY2024 16.13%. Net margin FY2025 35.60%.

Income trends

Revenue

459.62M USD+48.28%

Operating income

545.02M USD+590.47M USD

Net income

163.62M USD+227.34%
Income trends across reported periods897.07M USD354.59M USD−187.88M USD−730.36M USDRevenue, FY2021: 761.45M USDRevenue, FY2022: 561.67M USDRevenue, FY2023: 412.45M USDRevenue, FY2024: 309.97M USDRevenue, FY2025: 459.62M USDOperating income, FY2021: −55.45M USDOperating income, FY2022: −150.28M USDOperating income, FY2023: −193.58M USDOperating income, FY2024: −45.46M USDOperating income, FY2025: 545.02M USDNet income, FY2021: −234.91M USDNet income, FY2022: −594.74M USDNet income, FY2023: −140.19M USDNet income, FY2024: 49.98M USDNet income, FY2025: 163.62M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 761.45M USD. Revenue FY2022 561.67M USD. Revenue FY2023 412.45M USD. Revenue FY2024 309.97M USD. Revenue FY2025 459.62M USD. Operating income FY2021 −55.45M USD. Operating income FY2022 −150.28M USD. Operating income FY2023 −193.58M USD. Operating income FY2024 −45.46M USD. Operating income FY2025 545.02M USD. Net income FY2021 −234.91M USD. Net income FY2022 −594.74M USD. Net income FY2023 −140.19M USD. Net income FY2024 49.98M USD. Net income FY2025 163.62M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue459.62M USD309.97M USD412.45M USD561.67M USD761.45M USD
Cost of goods sold126.83M USD107.85M USD115.18M USD115.44M USD106.18M USD
Gross profit332.78M USD202.13M USD297.27M USD446.23M USD655.27M USD
Selling, general, and administrative237.02M USD298.09M USD437.13M USD688.3M USD
Operating expenses−212.23M USD247.58M USD490.85M USD596.51M USD710.72M USD
Interest income177.45M USD84.62M USD97.67M USD47.59M USD47.51M USD
Depreciation and amortization22.04M USD22.34M USD17.59M USD21M USD31.54M USD
Operating income545.02M USD−45.46M USD−193.58M USD−150.28M USD−55.45M USD
Net income163.62M USD49.98M USD−140.19M USD−594.74M USD−234.91M USD

Company facts updated Aug 24, 2026.

Corporate actions

Corporate action history

Stock split

Effective Jan 18, 2023

1:20

JFU peers

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