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Upturn AI SWOT - About
9F Inc (JFU)
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Upturn Advisory Summary
03/27/2025: JFU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -37.73% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 15.19M USD | Price to earnings Ratio 7.59 | 1Y Target Price 9.1 |
Price to earnings Ratio 7.59 | 1Y Target Price 9.1 | ||
Volume (30-day avg) 6057 | Beta 0.62 | 52 Weeks Range 1.13 - 3.75 | Updated Date 04/6/2025 |
52 Weeks Range 1.13 - 3.75 | Updated Date 04/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.71% | Operating Margin (TTM) -49.22% |
Management Effectiveness
Return on Assets (TTM) -2.25% | Return on Equity (TTM) 0.22% |
Valuation
Trailing PE 7.59 | Forward PE 1.32 | Enterprise Value -338973735 | Price to Sales(TTM) 0.05 |
Enterprise Value -338973735 | Price to Sales(TTM) 0.05 | ||
Enterprise Value to Revenue 0.1 | Enterprise Value to EBITDA 2.83 | Shares Outstanding 8715210 | Shares Floating 92451275 |
Shares Outstanding 8715210 | Shares Floating 92451275 | ||
Percent Insiders 46.96 | Percent Institutions 0.6 |
Analyst Ratings
Rating 3 | Target Price 9.07 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
9F Inc
Company Overview
History and Background
9F Inc. is a Chinese fintech holding company focusing on providing online financial services. Founded in 2006, it has evolved from a credit card-related business to a comprehensive online lending and investment platform. Over time, 9F Inc. has expanded its product offerings to include wealth management and other financial services.
Core Business Areas
- Online Lending: 9F Inc. operates an online lending platform connecting borrowers with investors. It facilitates personal loans and other credit products.
- Wealth Management: The company provides wealth management services, offering investment products to users through its online platform.
Leadership and Structure
The company's leadership consists of key executives with experience in finance and technology. The organizational structure involves various departments overseeing different aspects of the business, including lending, technology, and marketing.
Top Products and Market Share
Key Offerings
- Personal Loans: 9F Inc.'s primary offering is personal loans facilitated through its online platform. Market share data is difficult to obtain due to the fragmented nature of the Chinese online lending market. Competitors include Lufax and Qudian.
- Investment Products: The company offers various investment products through its wealth management platform. Specific market share data is not publicly available. Competitors include Ant Financial and other online wealth management platforms.
Market Dynamics
Industry Overview
The Chinese fintech industry is highly competitive and heavily regulated. Online lending has experienced significant growth, but regulatory changes have created uncertainty. Wealth management is also growing, driven by increasing affluence.
Positioning
9F Inc. occupies a mid-tier position within the Chinese fintech landscape. It seeks to differentiate itself through its technology and focus on specific customer segments. The company is struggling to maintain a competitive edge against larger competitors.
Total Addressable Market (TAM)
The TAM for China's online lending and wealth management market is substantial, estimated to be in the trillions of RMB. 9F Inc. is positioned to capture a small percentage of this TAM, facing competition from larger and more established players.
Upturn SWOT Analysis
Strengths
- Established online lending platform
- Experience in the Chinese fintech market
- Focus on technology innovation
Weaknesses
- Limited market share compared to larger competitors
- Vulnerability to regulatory changes
- Dependence on online lending, high risk
Opportunities
- Expansion into new financial services
- Partnerships with other financial institutions
- Targeting underserved customer segments
Threats
- Increased regulatory scrutiny
- Intense competition from established players
- Economic downturn impacting loan defaults
Competitors and Market Share
Key Competitors
- Lufax (LU)
- LexinFintech Holdings Ltd. (LX)
- Qudian Inc. (QD)
Competitive Landscape
9F Inc. faces significant competition from larger, more established players like Lufax. 9F Inc. needs to focus on niche markets to differentiate itself.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been volatile, influenced by regulatory changes and competition in the Chinese fintech market.
Future Projections: Future projections are uncertain due to regulatory uncertainty and competition. Analyst estimates vary widely.
Recent Initiatives: Recent initiatives include exploring new technology applications and expanding into new geographic areas.
Summary
9F Inc. is a relatively small player in the Chinese fintech industry facing strong competition and regulatory headwinds. While it has an established online lending platform, its limited market share and regulatory vulnerabilities pose challenges. To succeed, 9F Inc. needs to differentiate through innovation, explore new market segments, and adapt to evolving regulations.
Similar Companies
LU
Lufax Holding Ltd
LU
Lufax Holding Ltd
LX
Lexinfintech Holdings Ltd
LX
Lexinfintech Holdings Ltd
OPRT
Oportun Financial Corp
OPRT
Oportun Financial Corp
QD
Qudian Inc
QD
Qudian Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions are subject to change, and actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About 9F Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2019-08-15 | Co-Founder, President, CEO, Chief Risk Officer & Director Mr. Lei Liu | ||
Sector Technology | Industry Information Technology Services | Full time employees 276 | Website https://www.9fgroup.com |
Full time employees 276 | Website https://www.9fgroup.com | ||
9F Inc., together with its subsidiaries, provides digital technology services in the People's Republic of China and Hong Kong. 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, and EDDA 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.
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