Jianpu Technology Inc. (AIJTY) fair value: what the stock is really worth
As of Nov 10, 2026: fair value (intrinsic value) of Jianpu Technology Inc. stock $0.94, price $0.43, upside +118.6%, quality 61 out of 100. Rating: strongly undervalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.
How to read this chart
60‑month range $0.0313 – $0.7386 · fair‑value band $0.7060 – $1.17 · the $0.4300 price screens below the $0.9400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.
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Jianpu Technology Inc. operates an open financial technology platform under the Rong360 brand in the People's Republic of China.
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The company offers online discovery and recommendation services of financial products through its platform; loan products comprising personal consumptive needs and other personal expenses, and small and medium enterprises loans; and sales and marketing solutions, and digital intelligence as a service solution for financial service providers.
It also provides professional content on financial products, industry insights, financial education and consumer rights protection in the forms of short videos, online articles and offline booklets, and handouts.
The company was founded in 2011 and is headquartered in Beijing, the People's Republic of China.
Stock analysis
Jianpu Technology Inc. (AIJTY) currently trades at $0.4300, while our model-based Fair Value estimate is $0.9400, implying the stock looks roughly 54% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $4.74 per share, and 10 of the 10 models we run sit above the $0.4300 price.
Bear case: the Asset-Based group reads lowest at $1.32, and 0 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: $0.7060 (bear) to $1.17 (bull), the price of $0.4300 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Jianpu Technology Inc. reported revenue of 979M CNY in FY2025 versus 805M CNY in FY2021, a compound +5.0%/yr. Reported net income was 32.1M CNY in FY2025.
Key figures
Market cap $8.6M Micro · P/E ratio 3.9 · P/S ratio 0.01 · EPS (TTM) $0.1100 · Net margin 2.2% · Return on equity 3.6% · Return on assets (EBIT) −6.8% (5-year average) · Operating margin 2.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 138% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 119%, AIJTY screens cheaper than that median.
Fair Value models
Bear$0.7060Fair Value $0.9400Bull$1.17
Price $0.4300 · Upside +118.6%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.1100 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.8%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−52.5% (2020) → 2.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−2.4%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about −4.0% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+118.6% · Top 25%
Profitability
Return on equity (12 months)3.6% · Below median
Return on assets5.6% · Top 25%
Net margin (12 months)2.2% · Bottom 25%
Operating margin (12 months)2.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−49.6% · Bottom 25%
Dividend yield (12 months)65.7% · Top 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Jianpu Technology Inc. Fair Value". https://www.fairvalue-calculator.com/stock/AIJTY
Frequently asked questions
Is Jianpu Technology Inc. (AIJTY) overvalued or undervalued?
As of Nov 10, 2026, our model estimates a fair value of $0.9400 versus a price of $0.4300, about +119% upside (undervalued).
What is the fair value of AIJTY?
Our model-based fair value for Jianpu Technology Inc. is $0.9400 (as of Nov 10, 2026), built from audited fundamentals. The current price: $0.4300.
What is the quality score of AIJTY?
Jianpu Technology Inc. has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jianpu Technology Inc. (AIJTY)?
Our model-based price target is the fair value of $0.9400 (as of Nov 10, 2026) from 10 valuation models. Cautious scenario $0.7060, optimistic scenario $1.17. It is a calculation from audited fundamentals, not an analyst target.
What is the Jianpu Technology Inc. stock forecast for 2026?
Our models put fair value at $0.9400, about +119% upside versus a price of $0.4300 (undervalued). Cautious scenario $0.7060, optimistic scenario $1.17. The calculation is refreshed regularly with new filings.
What is the revenue of Jianpu Technology Inc. (AIJTY)?
Jianpu Technology Inc. reported trailing-twelve-month revenue of about 702M CNY (latest available figure, as of Nov 10, 2026).
What growth is priced into Jianpu Technology Inc. (AIJTY)?
For today's price to be fair in a discounted-cash-flow model, Jianpu Technology Inc. would have to grow free cash flow by -2.4 % per year for five years (discount rate 9.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.8 % per year. As of Nov 10, 2026.
What discount rate (WACC) does the fair value of AIJTY use?
Our models discount Jianpu Technology Inc. at 9.4 %: a base by market capitalisation (nano), damped by beta 0.85, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Jianpu Technology Inc. that is -2.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.4 %) and the same formula as our fair value.
How much growth has Jianpu Technology Inc. (AIJTY) delivered so far?
Over the past 5 years revenue at Jianpu Technology Inc. grew +10.8 % a year. The price currently implies free-cash-flow growth of -2.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Jianpu Technology Inc. (AIJTY) growing?
The median revenue growth in the sector is +2.5 % a year. That is the yardstick for the growth priced into Jianpu Technology Inc. (-2.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Jianpu Technology Inc. (AIJTY)?
The free-cash-flow yield on the price is 9.17 %: that much free cash flow Jianpu Technology Inc. produces per unit of market value. When it exceeds the discount rate of our models (9.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Jianpu Technology Inc. (AIJTY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jianpu Technology Inc. it is $0.9400 per share (as of Nov 10, 2026), against a price of $0.4300. It is the blended result of 10 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Jianpu Technology Inc. stock overvalued or undervalued in 2026?
As of Nov 10, 2026, AIJTY trades below its calculated fair value: price $0.4300, fair value $0.9400, a gap of about +119% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AIJTY?
No. The price is what the market pays today ($0.4300); the fair value is what the company's own numbers justify ($0.9400). For Jianpu Technology Inc. the two are $0.5100 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jianpu Technology Inc. worth?
The market values Jianpu Technology Inc. at about $8.6M (market capitalisation, as of Nov 10, 2026). Per share that is $0.4300; our models calculate a fair value of $0.9400 per share.
What do the bullish and bearish scenarios say about AIJTY?
Our models span a range for Jianpu Technology Inc.: cautious scenario $0.7060, base $0.9400, optimistic $1.17 per share (as of Nov 10, 2026, price $0.4300). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AIJTY?
Jianpu Technology Inc. trades at a price-to-earnings ratio of 3.9 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.9400 is built from several models across several years. Other multiples: P/B 0.2, P/S 0.1.
How solid is the balance sheet of Jianpu Technology Inc. (AIJTY)?
Balance-sheet figures for Jianpu Technology Inc. (as of Nov 10, 2026): return on equity 3.6%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is AIJTY from its 52-week high?
Jianpu Technology Inc. trades at $0.4300, about 15% below its 52-week high of $0.5066 and 138% above the low of $0.1807 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $0.9400 is for.
Which stocks are comparable to Jianpu Technology Inc.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jianpu Technology Inc. stock attractive at the current price?
The data as of Nov 10, 2026: price $0.4300, calculated fair value $0.9400 (+119%), Quality Score 61/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AIJTY calculated?
We run Jianpu Technology Inc. through 10 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $0.9400 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Jianpu Technology Inc. currently trades 54% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jianpu Technology Inc. (AIJTY)?
The closing price on Nov 10, 2026 was $0.4300. Our model-based fair value is $0.9400, about +119% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jianpu Technology Inc. right now?
The price is below even our cautious bear case ($0.7060). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Jianpu Technology Inc.
How large is the market capitalisation of Jianpu Technology Inc. (AIJTY)?
The market capitalisation of Jianpu Technology Inc. is $8.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jianpu Technology Inc. (AIJTY)?
The price-to-sales ratio of Jianpu Technology Inc. is 0.01 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jianpu Technology Inc. (AIJTY)?
Earnings per share at Jianpu Technology Inc. are $0.1100 (price ÷ EPS = P/E 3.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Jianpu Technology Inc. (AIJTY)?
The net margin of Jianpu Technology Inc. is 2.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jianpu Technology Inc. (AIJTY)?
The return on equity (ROE) of Jianpu Technology Inc. is 3.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Jianpu Technology Inc. (AIJTY)?
On an EBIT basis the return on assets of Jianpu Technology Inc. is −6.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Jianpu Technology Inc. (AIJTY)?
The operating margin of Jianpu Technology Inc. is 2.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jianpu Technology Inc. (AIJTY)?
Revenue at Jianpu Technology Inc. is growing −49.6% versus a year earlier (3y avg −0.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Jianpu Technology Inc. (AIJTY)?
Earnings per share at Jianpu Technology Inc. are growing −88.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Nov 10, 2026