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9F Inc.

JFU Nasdaq Finance Services Financials FY2017โ€“FY2025

Revenue Total sales reported in the income statement.
$18.7M
7.6% vs prior year
Operating margin Operating income as a share of revenue.
8.4%
44.8ย pts
Net income Profit after all expenses, interest and tax.
$23.4M
236.9%
Free cash flow Cash from operations minus capital spending.
$28.5M
352.6%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
โ€”
Market cap Last close times the latest diluted share count, so it is approximate.
โ€”
P/E Last close divided by diluted earnings per share over the last four quarters.
โ€”
On $1.98 EPS (TTM)

What 9F Inc. does

No business description yet.

Legal name
9F Inc.
Fiscal year ends
December 31, 2025
Latest annual report
20-F ยท Apr 30, 2026
Accession ยท CIK
0001213900-26-050184
0001619544

Revenue and margins

9F Inc. had $18.7M of revenue in fiscal 2025, up 7.6% on the year before.

Revenue
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

From fiscal 2017 to 2025, diluted EPS grew โˆ’16.9% a year. Loss periods are shown in red.

Net income
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $28.5M in fiscal 2025, 152.6% of revenue. Cash from operations minus capital spending.

Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

9F Inc. returned โ€” to shareholders in fiscal 2025. The diluted share count rose 0.0%.

Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably 9F Inc. can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $385M$353M$237M$52.0M$62.1M
Total assets $795M$625M$569M$565M$614M
Total liabilities $135M$86.9M$65.7M$63.9M$75.3M
Shareholders' equity $651M$530M$495M$493M$530M
Net debt (โˆ’ = net cash) โ€”โ€”โ€”โ€”โ€”

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. โ€œPlanโ€ marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

โ€”

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8โ€“9 is strong, 0โ€“2 weak.

TestFY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive โœ“ โœ“ โœ• โœ• โœ• โœ• โœ• โœ“ โœ“
Cash from operations is positive โœ“ โœ“ โœ• โœ• โœ• โœ“ โœ“ โœ“ โœ“
Return on assets rose โ€” โ€” โœ• โœ• โœ“ โœ• โœ“ โœ“ โœ“
Cash from operations exceeds net income โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ• โœ“
Debt fell relative to assets โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€”
Current ratio rose โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€”
Share count didn't rise โ€” โœ• โœ“ โœ• โœ• โœ• โœ• โœ• โœ•
Gross margin rose โ€” โ€” โ€” โ€” โœ“ โœ“ โœ• โœ“ โœ“
Revenue rose relative to assets โ€” โ€” โœ• โœ• โœ• โœ• โœ• โœ• โœ•
F-score โ€” / 3โ€” / 4โ€” / 6โ€” / 63 / 73 / 73 / 74 / 75 / 7
Accruals ratio โ€”โˆ’4.2%โˆ’19.3%โˆ’7.1%โˆ’0.1%โˆ’14.1%โˆ’4.4%0.1%โˆ’0.9%
Altman Z'' โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”

9 years of figures

Amounts in USD. Hover a ratioโ€™s name for its definition.

Download CSV
Fiscal yearFY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $998M $840M $640M $182M $118M $23.0M $20.1M $17.4M $18.7M
Gross profit โ€” โ€” โ€” $0.3M $22.3M $16.1M $11.4M $13.2M $15.2M
Operating income โ€” โ€” โ€” โˆ’$186M โˆ’$8.6M โˆ’$22.3M โˆ’$27.3M โˆ’$6.3M $1.6M
Pretax income $150M $366M โˆ’$321M โˆ’$245M โˆ’$31.3M โˆ’$89.5M โˆ’$21.4M $3.7M $31.6M
Income tax $52.1M $60.8M โˆ’$25.3M $78.0M $4.1M $1.7M $1.1M $1.9M $7.8M
Net income $88.4M $299M โˆ’$313M โˆ’$327M โˆ’$36.4M โˆ’$88.3M โˆ’$19.8M $6.9M $23.4M
Net income to common $59.4M $260M โˆ’$314M โˆ’$327M โˆ’$36.4M โˆ’$88.3M โ€” โ€” โ€”
Diluted EPS $8.67 $28.44 โˆ’$35.98 โˆ’$32.95 โˆ’$3.41 โˆ’$7.57 โˆ’$1.69 $0.58 $1.98
Diluted shares 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B 0.01B
Cash flow
Cash from operations $424M $355M โˆ’$62.1M โˆ’$253M โˆ’$35.6M $12.0M $6.6M $6.5M $28.9M
Capital expenditure $7.1M $7.3M $8.2M โ€” $1.2M $6.7M $0.8M $0.2M $0.4M
Free cash flow $417M $347M โˆ’$70.3M โ€” โˆ’$36.8M $5.4M $5.8M $6.3M $28.5M
Depreciation and amortization $1.5M $2.4M $4.1M $2.1M $3.9M $2.8M $1.7M $1.3M $1.9M
Stock-based compensation $323M $76.8M $51.1M $42.1M $8.1M $0.8M โˆ’$10.2M โˆ’$0.1M $0.0M
Acquisitions $4.5M โ€” $7.2M โ€” $1.7M $0.4M $0.0M โ€” โ€”
Balance sheet
Cash and short-term investments $581M $795M $673M $417M $385M $353M $237M $52.0M $62.1M
Deposits โ€” โ€” โ€” โ€” โ€” โ€” $0.1M $0.1M $0.1M
Inventory โ€” โ€” โ€” $0.4M $0.2M $0.4M $0.3M $0.1M $0.2M
Property and equipment, net โ€” $12.5M $15.9M $9.7M $6.9M $10.1M $8.7M $7.3M $6.1M
Goodwill $0.4M $1.9M $10.4M $3.4M $3.5M $3.6M โ€” โ€” โ€”
Intangible assets โ€” $6.5M $10.6M $6.8M $5.9M $5.1M $4.2M $0.6M $0.5M
Total assets โ€” $1.3B $1.3B $824M $795M $625M $569M $565M $614M
Total liabilities โ€” $214M $367M $178M $135M $86.9M $65.7M $63.9M $75.3M
Shareholders' equity $569M $908M $902M $638M $651M $530M $495M $493M $530M
Margins
Gross margin โ€” โ€” โ€” 0.2% 18.9% 70.0% 56.8% 76.2% 81.2%
Operating margin โ€” โ€” โ€” โˆ’102.1% โˆ’7.3% โˆ’97.0% โˆ’135.7% โˆ’36.4% 8.4%
EBITDA margin โ€” โ€” โ€” โˆ’100.9% โˆ’4.0% โˆ’84.9% โˆ’127.3% โˆ’29.1% 18.4%
Net margin 8.9% 35.7% โˆ’48.8% โˆ’179.8% โˆ’30.9% โˆ’383.9% โˆ’98.3% 40.0% 125.2%
FCF margin 41.8% 41.3% โˆ’11.0% โ€” โˆ’31.2% 23.3% 28.6% 36.3% 152.6%
Returns
Return on equity 15.5% 40.5% โˆ’34.5% โˆ’42.5% โˆ’5.7% โˆ’15.0% โˆ’3.9% 1.4% 4.6%
Return on assets โ€” 22.6% โˆ’24.0% โˆ’31.2% โˆ’4.5% โˆ’12.4% โˆ’3.3% 1.2% 4.0%
Return on tangible equity 10.4% 28.9% โˆ’35.6% โˆ’52.2% โˆ’5.7% โˆ’16.9% โˆ’4.0% 1.4% 4.4%
Growth
Revenue growth โ€” โˆ’15.8% โˆ’23.7% โˆ’71.6% โˆ’35.1% โˆ’80.5% โˆ’12.5% โˆ’13.8% 7.6%
Net income growth โ€” 238.6% โˆ’204.4% โ€” โ€” โ€” โ€” โ€” 236.9%
EPS growth โ€” 228.0% โˆ’226.5% โ€” โ€” โ€” โ€” โ€” 238.4%
FCF growth โ€” โˆ’16.7% โˆ’120.2% โ€” โ€” โ€” 7.5% 9.4% 352.6%
Share count change โ€” 34.1% โˆ’6.0% 13.8% 7.6% 9.2% 1.0% 0.2% 0.0%
Capital allocation
Capex / revenue 0.7% 0.9% 1.3% โ€” 1.0% 28.9% 4.0% 0.9% 2.0%
Stock comp / revenue 32.3% 9.1% 8.0% 23.1% 6.9% 3.5% โˆ’50.6% โˆ’0.8% 0.0%
Quality scores
Piotroski F-score โ€” โ€” โ€” โ€” 3.0 3.0 3.0 4.0 5.0
Accruals ratio โ€” โˆ’4.2% โˆ’19.3% โˆ’7.1% โˆ’0.1% โˆ’14.1% โˆ’4.4% 0.1% โˆ’0.9%

Source: SEC EDGAR XBRL filings (CIK 0001619544). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. Per-share figures are per US-listed share (1 ADS = 20 ordinary shares). For information only โ€” not investment advice. Check the original filings before relying on any figure.

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