Stock fact sheet · data as of
9F Inc. (JFU): fair value, margin of safety and Wheel Score
Ticker symbol JFU · Technology · Information Technology Services · China · ADR · Blend
JFU is an American depositary share (ADR): the US listing of 9F Inc., 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 JFU undervalued?
9F Inc. (JFU) closed at 2.32 on 5 Nov 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 33.94, which puts the price 93% below it. 8 of the 8 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DCF (7.24) and Payback Time (68.32). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for JFU, so the nightly engine files it under Blend (value score 96, growth score 79, out of 100).
Nine valuation models for JFU
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 | 7.24 | +212% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 28.65 | +1135% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 44.10 | +1801% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 19.27 | +731% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 33.71 | +1353% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 61.69 | +2559% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 68.32 | +2845% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 8.57 | +269% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 4.13 | +78% | 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
9F Inc. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 3.1/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 4.4%, ROE 4.4%, ROA 3.7% - with debt at 0.01 times equity and negative free cash flow.
9F Inc. 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 Wealth Management 100% (fiscal year FY2025).
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 4.4% |
|---|---|---|---|
| GLS Moat | 3.1 / 10 | ROE | 4.4% |
| Debt / equity | 0.01 | ROA | 3.7% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 28: No options
No options are listed on 9F Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 28, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 11k shares a day on a market cap of $27M, with a beta of 1.16; 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 | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (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 $27M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 2.32 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 93% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 3.1/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 1.16, $27M 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 JFU in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Information Technology Services
The 12 companies below are the closest to 9F Inc. by market cap within the Information Technology Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CLPS CLPS Incorporation | 0.9800 | - | - | 13No options | $29M |
| ASFH AsiaFIN Holdings Corp. | 0.3918 | 0.2364 | -66% | 17No options | $32M |
| EAXR Ealixir, Inc. | 0.5500 | 0.0261 | -2011% | 13No options | $33M |
| DLTI DLT Resolution Inc. | 0.5100 | - | - | 11No options | $42M |
| PXHI PhoneX Holdings, Inc. | 1.20 | 10.40 | +88% | 31No options | $42M |
| TDTH Trident Digital Tech Holdings Ltd | 0.7261 | - | - | 10No options | $43M |
| SAIH SAIHEAT Limited | 23.45 | - | - | 9No options | $43M |
| ZENA ZenaTech, Inc. | 0.7072 | - | - | 7Weak | $44M |
| CTM Castellum, Inc. | 0.4900 | 0.5688 | +14% | 20No options | $46M |
| TRXA T-REX Acquisition Corp. | 0.5200 | - | - | 11No options | $16M |
| QXL Quantum X Labs Inc. | 3.90 | - | - | 9No options | $52M |
| VEEA Veea Inc. | 4.52 | - | - | 11No options | $14M |
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Start free See the Sunday ScanQuestions about JFU
Is JFU undervalued right now?
By the GLS models, yes: at 2.32 the stock is 93% below the average fair value of 33.94 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of JFU and what does it mean?
JFU 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 JFU?
33.94 per share as of 5 Nov 2026 - the simple average of the 8 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 9F Inc. report earnings next?
No upcoming earnings date is recorded for JFU in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does JFU have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on JFU, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.
Is JFU an ADR?
Yes. JFU is an American depositary share (ADR): the US listing of 9F Inc., 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.