9F Inc. American Depositary Shares (JFU)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach 9F Inc. as a Graham-style balance-sheet exercise, not a growth story. At the 2026-10-13 close of $2.71, the market values the whole company at only $34.3M. FairStock shows a P/E of 1.28 and a P/B of 0.06. Its Graham Number is $27.42, giving a 90.12% margin of safety, and debt is almost absent with D/E of 0.01. Those are the marks of a statistically cheap security. But cheapness alone is not a moat. The business provides digital technology and wealth management services in China and Hong Kong through e-commerce, technology empowerment, and wealth management segments. With 185 employees and no revenue or profit growth data supplied, I cannot judge its competitive durability. The returns are poor: FairStock's ROE is 4.51% and ROCE is only 0.17%, so capital is barely working. FairStock's Piotroski F-Score is 2 out of 9 and Altman Z-Score is 0.14, both warning signs of weak financial quality or distress. The Lynch category is none because only 0 years of filed results exist and three are needed. The 52-week range of $1.98 to $9.48 shows how violently the market has repriced it. I would want evidence that earnings and asset values are real and durable. A 90% discount to a Graham Number can be a bargain or a trap. Here, low leverage helps, but weak returns, poor quality scores, and missing filed history make it speculative.

In plain English: 9F Inc. provides digital technology and wealth-management services in China and Hong Kong. The business looks weak: it earns little on the money it uses, and its financial-strength signs are poor. The shares look very cheap compared with the company's accounting value and a conservative value estimate, but that cheapness may be a warning rather than a bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer