9F Inc. (JFU)

NASDAQ: JFU · Real-Time Price · USD

2.270

+0.140 (6.57%)

At close: Nov 9, 2026, 4:00 PM EST

2.320

+0.050 (2.20%)

After-hours: Nov 9, 2026, 4:20 PM EST

9F Inc. Financials Overview

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	216.42	289.88	309.97	412.45	561.67	761.45
Revenue Growth	-25.34%	-6.48%	-24.84%	-26.57%	-26.24%	-39.38%
Gross Profit	157.38	204.82	202.13	297.27	446.23	655.27
Operating Income	-62.09	11.27	-45.46	-193.58	-150.28	-55.45
Net Income	654.63	168.2	49.98	-140.19	-594.74	-234.91
Earnings Per Share	55.40	14.20	4.20	-12.00	-51.00	-21.99
EPS Growth	290.11%	238.09%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Wealth Management Services	37.87	37.87	41.35	22.05
Technology Empowerment Services	117.7	117.7	143.65	247.77
E-commerce Services	134.31	134.31	124.97	142.63
Total	289.88	289.88	309.97	412.45

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	3,991	3,286	2,598	2,461	2,867	2,765
Total Debt	11.33	23.89	9.58	14.72	8.32	17.91
Net Cash (Debt)	3,980	3,262	2,589	2,446	2,858	2,747
Net Cash Growth	21.99%	26.02%	5.82%	-14.41%	4.05%	-6.00%
Net Cash Per Share	337.33	276.53	219.46	207.75	245.11	257.15

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	207.66	46.49	46.55	80.9	-229.72
Capital Expenditures	-	-2.66	-1.14	-5.74	-44.81	-7.74
Free Cash Flow	-	205	45.35	40.8	36.09	-237.46
Free Cash Flow Growth	-	352.01%	11.15%	13.06%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	72.72%	70.66%	65.21%	72.07%	79.45%	86.06%
Operating Margin	-28.69%	3.89%	-14.66%	-46.93%	-26.76%	-7.28%
Pretax Margin	334.74%	77.18%	20.69%	-32.15%	-103.85%	-27.18%
Profit Margin	302.48%	58.02%	16.13%	-33.99%	-105.89%	-30.85%
FCF Margin	-	70.72%	14.63%	9.89%	6.43%	-31.19%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	0.28	3.13	2.60	-	-	-
Forward PE	-	1.30	1.30	1.30	1.30	1.30
P/FCF Ratio	0.87	2.57	2.86	7.02	7.77	-
PS Ratio	0.84	1.82	0.42	0.69	0.50	3.09