# J & Friends Holdings Ltd (JF)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0001716338 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001716338))
- Full page: https://inspectstocks.com/stocks/jf
- Data as of: price 2026-09-25; newest filing used 2026-04-24; latest fiscal period ended 2025-12-31

## Grade

**C-** on the balance-sheet rubric used for lenders, 2 of 4 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -$1.3M |  |
| Earnings growing overall | passed | -$1.3M | -$27.6M |
| Earnings growing recently | passed | -$1.3M | -$2.1M |
| Earns well on its assets | failed | -14.2% |  |
| Book value per share growing | not answerable | $0.02 | -$1.36 |

Business quality (the + / − mark): 1 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -82.9% |  |
| Healthy profit margin | failed | -82.9% |  |
| Strong operating margin | failed | -83.9% |  |
| Good return on equity | failed | -88.9% |  |
| Debt under control | passed | 1.28 |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $1.6M |
| Net income, trailing twelve months | -$1.3M |
| Net margin | -82.9% |
| Operating margin | -83.9% |
| Return on equity | -88.9% |
| Debt to equity | 1.28 |
| Diluted EPS, trailing twelve months | -$0.01 |
| Share price | $0.95 |
| Market value | $79M |
| Price / sales | 49.4x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/jf)
- [Financial statements](https://inspectstocks.com/stocks/jf/financials)
- [Competitors](https://inspectstocks.com/stocks/jf/peers)
- [Earnings](https://inspectstocks.com/stocks/jf/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.