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Stock Ratings / Financials / JFU / earnings
RAND (39) FLD (35) GRAN (31) AMTD (46) ⌘ Pro Terminal →

9F Inc. (JFU) Next Earnings Date & Expected ±12.5% Move

$2.40 +4.74% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.42

9F Inc. (JFU) carries a Roarable Rating of D (Sell) with 44/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $27.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is JFU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, 9F Inc. (NASDAQ: JFU) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $2.40 (+4.74% 1D, market cap $27.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, JFU ranks #837 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does JFU compare to RAND and FLD in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), JFU carries a Roarable D (44/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.3%. By comparison, RAND (Rand Capital Corporation) holds a D- grade (39/100 RQD, P/E N/A, ROIC -15.4%, cap $28.2M) and FLD (Fold Holdings Inc. (Class A)) posts a D- grade (35/100 RQD, P/E N/A, ROIC -35.0%, cap $29.3M). Among the 5-stock peer group, JFU leads on earnings multiple (N/A) while AMTD leads on capital efficiency (4.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for JFU?
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Per JFU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001619544), 9F Inc. generated $19.2M in revenue (+12.2% YoY), $24.1M in net income, and $29.7M in free cash flow against $614.6M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $2.42 (+0.66%)🧬 Disciplined Float (+0.16% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 154.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (44/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.5% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510044
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+
Cash (12)Whales (3)SEC (13)Macro (9)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-6.2% Base Target
$10 Bull$2 Base$2 Bear
📬 FREE JFU RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for JFU)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (44/100 Composite)
🔍 WHY JFU SCORES 44/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 154.6% FCF Margin ($29.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$2.71-3.3% Next Q
Q2 (-2Q)
49
Grade D$2.62-3.8% Next Q
Q3 (-1Q)
47
Grade D$2.52-4.8% Next Q
Current
44
Grade D$2.40-6.5% Hist 90D α
Trajectory: C- (52) → D (44)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a JFU Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While JFU currently carries a cautious 44/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.65) and Max Pain ($2.52) forces dealer call-delta covering toward $9.95.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.16% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $JFU• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “JFU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 44%NO 56%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$0.30 Expected Swing
$2.10 (-12.5%)Spot $2.40$2.70 (+12.5%)
MODEL EARNINGS SETUP GAUGE

JFU Quantitative Pre-Earnings Setup: 44/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.2%

Model Bullish Setup (44/100)Model Risk Weight (56/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$19.2M$24.1M$29.7M52%
FY 20242024-12-31$17.1M$6.8M$6.4M52%
FY 20232023-12-31$58.1M$0$8.8M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring JFU)

  • ✓Walkthrough of JFU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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JFU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -24.05%🛡️ HOLDING TREND SUPPORT
2026-11-03O $2.60H $2.60L $2.29C $2.40VOL 84.2K
RES: $2.98SUP: $2.29SMA50: $2.65SMA200: $3.23
$4.99$4.17$3.36$2.54$1.73RES $2.98SUP $2.29$2.402026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

JFU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 JFU Butterfly Map → + Track JFU →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.3%/yr Implied 5Y Growth

vs. +12.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on JFU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for JFU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for JFU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (JFU)

Financials Rank #837 of 1097 ⚔️ RAND vs JFU Full Matrix →

1. Head-to-Head Financials Peer Comparison (JFU vs. RAND, FLD, GRAN, AMTD)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, 9F Inc. (JFU) ranks #837 by composite RQD confidence (44/100, grade D) and #1042 by equity capitalization ($27.0M). Within this direct 5-issuer industry benchmark cohort, JFU leads on earnings valuation at N/A trailing P/E, while AMTD leads on capital efficiency and profitability with 4.9% ROIC and — gross margin. AMTD currently holds the highest overall quantitative score in the immediate peer group at 46/100 (D) compared with JFU at 44/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
JFU ACTIVE
9F Inc.
D 44/100 — — 0.3% +4.74% $27.0M Benchmark Subject
RAND
Rand Capital Corporation
D- 39/100 — — -15.4% +0.21% $28.2M /rand-vs-jfu →
FLD
Fold Holdings Inc. (Class A)
D- 35/100 — — -35.0% +2.88% $29.3M /fld-vs-jfu →
GRAN
Grande Group Limited (Class A)
E 31/100 — — — +0.84% $29.6M /gran-vs-jfu →
AMTD
AMTD IDEA Group each representing three hundred sixty (360) (Class A)
D 46/100 — — 4.9% -2.65% $31.3M /amtd-vs-jfu →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001619544 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), 9F Inc. (JFU) reported GAAP revenue of $19.2M (+12.2% vs. FY2024 revenue of $17.1M , and -66.9% cumulative change since FY2023) , GAAP net income of $24.1M, operating cash flow of $29.7M, and free cash flow of $29.7M (+366.2% YoY). On the balance sheet, JFU closed FY2025 with $614.6M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $19.2M $24.1M $29.7M $29.7M $614.6M —
FY2024 (FY) 2024-12-31 $17.1M $6.8M $6.4M $6.4M $564.9M —
FY2023 (FY) 2023-12-31 $58.1M $0 $8.8M $8.8M — —

3. JFU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is JFU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, 9F Inc. (NASDAQ: JFU) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $2.40 (+4.74% 1D, market cap $27.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, JFU ranks #837 in composite RQD confidence.

How does JFU compare to RAND and FLD in the Financials sector?

Within the Financials sector (Finance: Consumer Services), JFU carries a Roarable D (44/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.3%. By comparison, RAND (Rand Capital Corporation) holds a D- grade (39/100 RQD, P/E N/A, ROIC -15.4%, cap $28.2M) and FLD (Fold Holdings Inc. (Class A)) posts a D- grade (35/100 RQD, P/E N/A, ROIC -35.0%, cap $29.3M). Among the 5-stock peer group, JFU leads on earnings multiple (N/A) while AMTD leads on capital efficiency (4.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for JFU?

Per JFU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001619544), 9F Inc. generated $19.2M in revenue (+12.2% YoY), $24.1M in net income, and $29.7M in free cash flow against $614.6M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is JFU trading relative to its 50-day, 200-day, and 52-week technical levels?

JFU last traded at $2.40 (+4.74% on volume of 8,571 shares), positioning the stock -9.43% below its 50-day simple moving average ($2.65) and -25.70% below its 200-day simple moving average ($3.23). Across its 52-week range of $1.98 to $9.48, JFU sits at the 5.6% percentile with a 14-day RSI of 39.9 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($2.10 to $2.70).

Direct Sub-Reports: JFU RQD Cockpit JFU 12M Forecast JFU Earnings & Move JFU Dividends & DRIP JFU Insiders & 13F JFU Whale Options JFU Profit Sankey JFU News & Why
ROARABLE RATING BRIEF • RQD 44/100 (D) ✓ SEC XBRL & RQD VERIFIED

JFU — 9F Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

9F Inc. (JFU) earns a live Roarable RQD composite score of 44/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $2.40 (+4.74% 1D, market capitalization $27.0M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 0.3%, gross margin of —, operating margin of 8.4%, and free cash flow yield of —.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

9F Inc. (JFU) is a NASDAQ-listed issuer classified under the Financials sector and the Finance: Consumer Services industry. The reported revenue and operating figures below are the only available indication of scale and profitability.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), 9F Inc. (JFU) reported $19.2M in annual revenue (up from $17.1M in FY2024, +12.2% YoY) and $24.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($58.1M revenue, $0 net income) through FY2025, JFU scaled operating cash flow to $29.7M and free cash flow to $29.7M, backed by $614.6M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 44/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 3/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $1.98 – $9.48 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation and 9.5x EV/EBITDA against 8.4% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the source data. Sector context is limited to the Financials / Finance: Consumer Services classification. Second-order bottlenecks cannot be identified from the provided material.

  • Key Question #1: Can JFU sustain or expand its 8.4% operating margin and 0.3% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $19.2M and free cash flow of $29.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is JFU's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

JFU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for 9F Inc. (JFU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to JFU Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

JFU Bull vs. Bear Conversation Board — What's Your Call at $2.40?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON JFU 🐻 33% BEARISH CONVICTION
1. Pick Your Side on JFU:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $2.77 (+21.0%)
📌 Pinned Debate

Reported operating income swung from -$27.3M in FY 2023 to $1.6M in FY 2025 while cash rose to $62.1M, with a Piotroski F-Score of 6/9.

Reported operating income swung from -$27.3M in FY 2023 to $1.6M in FY 2025 while cash rose to $62.1M, with a Piotroski F-Score of 6/9.. When you look under the hood at JFU, Fundamental Cash Engine is 12/20 with 0.0% gross margins and 0.3% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (3/20) has been quietly accumulating below $9.48. My 12M target is $2.77.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 3/20 institutional whale-flow stock at $2.29 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $1.83 (-20.1%)
Spot @ $2.29

ROIC of 0.3% and FCF yield of 0% leave the RQD Cash Engine pillar at 12/20, with the rating labeled Underperform / Distribution Warning

Fading this rally in JFU at $2.29. ROIC of 0.3% and FCF yield of 0% leave the RQD Cash Engine pillar at 12/20, with the rating labeled Underperform / Distribution Warning.. With a beta of 1.0 and the stock sitting at $2.29 (52-wk range $1.98–$9.48), the easy multiple expansion is already priced in.

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