Stock fact sheet · data as of
J and Friends Holdings Limited Sponsored ADR Class A (JF): fair value, margin of safety and Wheel Score
Ticker symbol JF · Financial Services · Financial - Credit Services · Hong Kong SAR China · ADR · Speculative
JF is an American depositary share (ADR): the US listing of J and Friends Holdings Limited Sponsored ADR Class A, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is JF undervalued?
JF has a margin of safety of 56%: the stock closed at 0.9500 on 5 Nov 2026 against a GLS average fair value of 2.15. 1 of the 1 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
Only 1 of the nine models produced a value (10 Cap); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.
The nightly engine files JF under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for JF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 2.15 | +126% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -3.72 | -492% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: JF passes 3 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 1.2 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC -36.0%, ROE -88.9%, ROA -14.2% - with debt at 1.47 times equity and a free-cash-flow yield of 37.8%.
J and Friends Holdings Limited Sponsored ADR Class A pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Product and Service, Other 57%, Saas Subscription Services 43% (fiscal year FY2025).
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | -36.0% |
|---|---|---|---|
| GLS Moat | 1.2 / 10 | ROE | -88.9% |
| Debt / equity | 1.47 | ROA | -14.2% |
| Free-cash-flow yield | 37.8% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 25: No options
JF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (25 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 3k shares a day on a market cap of $391K, with a beta of 1.13; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 3/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $0M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 0.95 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 56% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 1.2/10 | |
| Health | Weak | Piotroski 3/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 1.13, $0M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for JF in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to J and Friends Holdings Limited Sponsored ADR Class A by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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|---|---|---|---|---|---|
| SNTG Sentage Holdings Inc. | 1.60 | - | - | 10No options | $4M |
| DXF Eason Technology Limited | 0.2463 | - | - | 7No options | $6M |
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| CCUR CCUR Holdings, Inc. | 5,000.00 | 36,021.05 | +86% | 28No options | $15M |
| STQN Strategic Acquisitions, Inc. | 0.3800 | - | - | 9No options | $18M |
| PTIV Pineapple Financial, Inc. | 0.7480 | - | - | 9No options | $19M |
| FIGI Freedom Internet Group Inc. | 2.05 | 0.0073 | -28085% | 12No options | $23M |
| PRPS Propellus Inc. | 3.11 | - | - | 11No options | $28M |
| XYF X Financial | 4.96 | 1,805.53 | +100% | 34No options | $32M |
| YRD Yiren Digital Ltd. | 0.3942 | 22.11 | +98% | 26Weak | $34M |
| VRM Vroom, Inc. | 7.00 | 140.85 | +95% | 27No options | $37M |
| ANTA Antalpha Platform Holding Company | 1.71 | 18.81 | +91% | 28No options | $41M |
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Start free See the Sunday ScanQuestions about JF
Is JF undervalued right now?
By the GLS models, yes: at 0.9500 the stock is 56% below the average fair value of 2.15 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of JF and what does it mean?
JF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for JF?
2.15 per share as of 5 Nov 2026 - the simple average of the 1 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does J and Friends Holdings Limited Sponsored ADR Class A report earnings next?
No upcoming earnings date is recorded for JF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does JF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on JF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.
Is JF an ADR?
Yes. JF is an American depositary share (ADR): the US listing of J and Friends Holdings Limited Sponsored ADR Class A, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.