J and Friends Holdings Limited (JF) AI Stock Analysis

J and Friends Holdings Limited, formerly known as Pintec Technology Holdings Limited, provides merchant digitalization and commerce-enablement SaaS solutions to small and medium enterprises in Australia. Its food and beverage solutions help restaurants, cafés, and hospitality merchants digitize front-of-house and back-of-house workflows, including order intake, menu management, kitchen coordination, and omni-channel ordering. The company also offers retail solutions for checkout, store operations, inventory, and purchasing, alongside payment solutions for electronic transaction management. Additionally, the company sells point-of-sale hardware and installment services to merchants across the food and beverage, retail, and wholesale industries.

Revenue fell from $173.2M in FY2021 to $74.6M in FY2022, $52.7M in FY2023, $35.1M in FY2024, and $11.2M in FY2025, reflecting a 5-year revenue CAGR of -50.6%. Revenue declined 68.2% in FY2025. Gross margin expanded from 48.2% in FY2021 to 71.5% in FY2025, though operating margin remained negative at -83.9%. Net income improved from -$101.7M in FY2021 and -$190.2M in FY2022 to -$9.3M in FY2025. For the trailing twelve months ending June 30, 2025, revenue stood at $1.6M with a profit margin of -82.8% and quarterly revenue growth of 2.7% year-over-year.

As of March 31, 2026, J and Friends Holdings Limited held $6.6M in cash and short-term investments and $15.3M in total debt, resulting in net debt of $8.7M. Total assets were $65.4M against shareholders' equity of $10.4M. The company reported a current ratio of 1.25 and a debt-to-equity ratio of 1.47. In FY2025, operating cash flow was $1.0M and free cash flow was $985,956, while capital expenditures totaled $34,963. Over five years, the company's share count increased 263516.2%.

J and Friends Holdings Limited trades at a price-to-sales ratio of 10.7x and an enterprise value-to-revenue ratio of 11.8x, both higher than the median of its US-listed Financial Services peers, which trade at a price-to-sales ratio of 3.2x. The company's price-to-book ratio is 11.9x, and its market cap is $17.1M with an enterprise value of $18.8M. Over the past year, the stock gained 8.1%, trailing the S&P 500 return of 16.8%. Over five years, the stock dropped 81.2%, compared to an 83.0% gain for the S&P 500.

J and Friends Holdings Limited has no analyst rating counts, price targets, or consensus estimates reported. The stock closed at $0.93 on October 16, 2026, trading 4.4% below its 200-day average and within a 52-week range of $0.81 to $1.24. Diluted EPS for the trailing twelve months was -$0.03 as of June 30, 2025. There are no earnings surprise figures or upcoming earnings release dates listed.

This page is an AI-written research summary of J and Friends Holdings Limited (JF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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