JFU

9F Inc.

Technology · $28M market cap

Verdict

Share price

$2.66

close of Oct 3, 2026

Fair value

$3.46

Sticker Price

Payback Price

$1.39

buy price

Undervalued

JFU is Undervalued: at $2.66 it trades 23% below its fair value of $3.46. Its buy price (Payback Price) is $1.39, 48% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth228.6% a year✓
Equity per share growth-5.6% a year✗
Sales growth-26.6% a year✗
Free cash flow growth-23.7% a year✗
Return on invested capital1.0%✗

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About 9F Inc.

9F Inc., along with its subsidiary entities, operates an extensive online financial services platform across the People's Republic of China. The company's core offerings include digital financial accounts that streamline online lending, wealth management, and payment processing services. They extend both revolving and non-revolving loan products directly to individuals seeking credit, and also provide traffic…

Information Technology Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works