9F Inc (JFU) Fair Value & Analysis

Technology · US · Market cap $31.8M

A solid business, screening 52% undervalued on our models.

What matters now

• The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict.
• Our model range runs from $2.71 (bear) to $4.64 (bull), base $4.10. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 74/100 (solid quality) with high evidence: the data supports the verdict.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range $1.01 – $56.80 · fair‑value band $2.71 – $4.64 · the $2.70 price screens below the $4.10 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

9F Inc (JFU) currently trades at $2.70, while our model-based Fair Value estimate is $4.10, implying the stock looks roughly 51.8% undervalued today. The Quality Score stands at 74/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, 9F Inc generated revenue of $290M at a net margin of 58.0%. Revenue declined 17.6% year over year. It earns a return on equity of 4.5%. The balance sheet holds a net cash position of $727M. Fundamentals as of Aug 13, 2026

Our scenario range runs from $2.71 (bear case) to $4.64 (bull case); at $2.70, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 72% below its 52-week high and 115% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at 0% fair-value upside, at 52%, JFU screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($3.89) versus Earnings-Based ($1.90). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

9F Inc., together with its subsidiaries, provides digital technology and wealth management services in the People's Republic of China and Hong Kong. The company operates through E-Commerce Services, Technology Empowerment Services, and Wealth Management Services segments.

Full company description

9F Inc., together with its subsidiaries, provides digital technology and wealth management services in the People's Republic of China and Hong Kong. The company operates through E-Commerce Services, Technology Empowerment Services, and Wealth Management Services segments. It offers technology empowerment services to the banking, automobile, securities investment, and insurance industries; e-commerce business services through third-party e-commerce platforms, which offers various categories of merchandise, including 3C products, beauty and skin care products, food, household appliances, and liquor and beverages; and wealth management and investment advisory services. The company also provides internet securities services, such as real time trading information and professional news push notification services; online whole-process account opening services using facial recognition and e-signatures; transfer, FPS deposit and withdrawal services; multi-category trading services; and account design services, as well as fund sales and insurance brokerage services. It serves borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is based in Beijing, the People's Republic of China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

9F Inc reported revenue of $460M in FY2025 versus $761M in FY2021, a compound −11.9%/yr. Reported net income was $164M in FY2025.

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Peer Group

Information Technology Services · 491 stocks

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.

Valuation Multiples vs Information Technology Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.