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Home CompaniesJ and Friends Holdings Limited

J and Friends Holdings Limited

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.98 USD 0.04 ( 4.26%)
Last update at 2026-11-03T21:00:00Z
VOLUME
9083
Market Cap
18.52M

Momentum Score

…

J and Friends Holdings Limited, together with its subsidiaries, provides merchant digitalization and commerce-enablement SaaS solutions to small and medium enterprises in Australia. The company offers food and beverage (F&B) solutions that enable restaurants, cafés, and other hospitality merchants to digitize core front-of-house and back-of-house workflows, including order intake, menu management, kitchen coordination, and store-level reporting while supporting omni-channel operations across dine-in, takeaway, and online ordering. It also provides retail solutions that enable merchants to manage checkouts and store operations while digitizing inventory and purchasing workflows; and payment solutions that allow merchants to accept and manage electronic payments in connection with their in-store and omni-channel commerce activities. In addition, the company sells point-of-sale (POS) related hardware and POS-related installment services. It serves SME merchants across the food and beverage, retail, and wholesale industries. The company was formerly known as Pintec Technology Holdings Limited and changed its name to J and Friends Holdings Limited in January 2026. J and Friends Holdings Limited was founded in 2012 and is headquartered in Hong Kong, Hong Kong.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.90
Low
1.00
High
52 Week Price Range
0.81
Low
1.24
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public disclosures for J and Friends Holdings Limited (Nasdaq: JF) are limited, with company filings and investor materials providing scant detail about its operating subsidiaries and revenue sources. As a listed holding company, its long-term prospects may depend on successful deployment of capital into operating businesses, execution of acquisitions or divestitures, and improvements in transparency, which could support value realization if management executes effectively.
The primary risk is the lack of transparent, verifiable operating and financial information, creating governance, liquidity and execution uncertainty and making the stock highly speculative.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.94
Dividend Yield
-
Revenue TTM
1.60M
Revenue Per Share
0.10
Gross Profit TTM
1.14M
Debt / Equity
1.47
ROE
-
Net Debt
8.71M
ROCE
-9.55%
Diluted EPS TTM
-0.03

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -5.64M -14.09M -95.16M -194.03M -101.95M
Minority interest 0.22M -0.68M 2.49M 6.37M 7.09M
Net income -9.26M -15.45M -78.76M -190.18M -101.73M
Selling general administrative 10.08M 13.80M 22.67M 50.30M 88.11M
Selling and marketing expenses 3.79M 18.91M 19.64M 27.15M 40.94M
Gross profit 7.99M 22.30M 14.53M 11.88M 83.52M
Reconciled depreciation 0.21M 0.77M 1.89M 5.56M 12.36M
Ebit -5.28M -12.67M -27.90M -169.90M -69.50M
Ebitda -3.78M -11.90M -26.01M -164.33M -57.14M
Depreciation and amortization 1.50M 0.77M 1.89M 5.56M 12.36M
Operating income -9.37M -14.10M -41.69M -81.53M -71.34M
Other operating expenses 20.54M 49.24M 94.41M 156.10M 244.58M
Interest expense 0.36M 0.01M 4.47M 24.14M 32.45M
Tax provision -0.07M 0.69M -13.90M 2.52M 6.87M
Interest income - - - - 0.00M
Net interest income -0.05M 0.11M -4.47M -24.14M -32.45M
Income tax expense -0.45M 0.69M -13.90M 2.52M 6.87M
Total revenue 11.17M 35.14M 52.72M 74.57M 173.24M
Total operating expenses 17.36M 36.40M 56.22M 93.41M 154.86M
Cost of revenue 3.18M 12.84M 38.19M 62.69M 89.72M
Total other income expense net 3.73M 0.01M -53.46M -112.50M -30.61M
Net income from continuing ops -0.74M -14.78M -81.25M -196.56M -108.82M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 65.36M 103.44M 113.20M 528.87M 761.23M
Intangible assets 25.59M - - 9.88M 9.88M
Other current assets 2.83M 4.02M 5.01M 24.11M 17.29M
Total liab 22.85M 498.56M 493.08M 776.01M 826.26M
Total stockholder equity 10.42M -408.87M -392.95M -402.05M -224.93M
Other current liab 5.13M 465.00M 462.93M 352.11M 350.75M
Common stock 0.56M 0.50M 0.50M 0.28M 0.28M
Capital stock 0.08M 0.50M 0.50M 0.28M 0.28M
Retained earnings -2588.53M -2528.27M -2512.54M -2448.82M -2257.92M
Good will 26.29M 0.00M - - -
Cash 6.61M 26.95M 40.51M 249.73M 217.90M
Total current liabilities 10.10M 493.25M 488.30M 525.99M 404.97M
Current deferred revenue 0.86M 1.75M 1.53M 1.71M 1.89M
Net debt 8.71M -22.27M -40.51M 100.03M 182.13M
Short term debt 2.57M 3.48M - 113.00M 0.03M
Short long term debt 0.28M 1.82M - 113.00M 0.03M
Short long term debt total 15.32M 4.68M - 349.75M 400.03M
Other stockholder equity 2600.93M 2036.47M 2045.48M 1998.82M 1992.32M
Total current assets 12.64M 94.48M 108.20M 389.19M 526.91M
Long term investments - - 0.00M 35.00M 122.76M
Short term investments - 0.00M 0.04M 7.48M 12.95M
Net receivables 2.27M 63.51M 62.64M 107.88M 140.35M
Long term debt 1.80M - - 236.75M 400.00M
Inventory 0.94M 0.00M - - 151.37M
Accounts payable 0.96M 4.09M 4.98M 22.68M 21.40M
Accumulated other comprehensive income -2.55M 82.43M 73.61M 47.68M 40.40M
Non currrent assets other 0.06M 7.17M 5.00M 5.00M 5.42M
Non current assets total 52.72M 8.96M 5.00M 139.68M 234.32M
Capital lease obligations 0.11M 2.86M 0.00M - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - 0.00M 36.00M 1.02M 0.00M
Total cashflows from investing activities -36.86M -0.08M 35.27M 86.69M -119.46M
Net borrowings 1.55M 1.82M -285.14M -57.89M -132.34M
Total cash from financing activities 10.84M 1.82M -257.38M -57.89M -132.33M
Net income -5.19M -14.78M -81.25M -196.56M -108.82M
Change in cash -24.00M -13.56M -210.70M 31.42M -297.56M
Begin period cash flow 30.61M 45.51M 256.21M 224.79M 522.34M
End period cash flow 6.61M 31.95M 45.51M 256.21M 224.79M
Total cash from operating activities 1.02M -14.90M 8.61M -10.52M -32.18M
Issuance of capital stock 0.00M 0.00M 27.76M 0.00M 0.00M
Depreciation 1.50M 0.77M 1.89M 5.56M 12.36M
Other cashflows from investing activities -37.89M 0.00M - -14.41M -17.61M
Change to inventory 0.06M 0.00M 0.00M - -
Change to account receivables -0.20M -7.54M 38.23M 15.45M 10.47M
Other cashflows from financing activities - - - - 0.01M
Capital expenditures 0.03M 0.09M 0.73M 0.04M 0.18M
Change in working capital -2.44M -7.92M 49.91M 52.50M 57.33M
Stock based compensation 0.10M 0.00M -6.88M 4.53M 3.79M
Other non cash items 7.50M 7.03M 47.42M 122.46M 1.32M
Free cash flow 0.99M -14.99M 7.88M -10.55M -32.36M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
JF
J and Friends Holdings Limited		 0.04
4.26%		 0.98 - - 11.59 11.76 11.74 -0.06
V
Visa Inc. Class A		 -5.09
1.20%		 420.42 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -
-%		 647.18 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 -2.71
0.82%		 325.27 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 -2.06
0.98%		 208.71 11.39 8.75 2.64 1.11 2.76 -

Profile*

J and Friends Holdings Limited

J and Friends Holdings Limited, together with its subsidiaries, provides merchant digitalization and commerce-enablement SaaS solutions to small and medium enterprises in Australia. The company offers food and beverage (F&B) solutions that enable restaurants, cafés, and other hospitality merchants to digitize core front-of-house and back-of-house workflows, including order intake, menu management, kitchen coordination, and store-level reporting while supporting omni-channel operations across dine-in, takeaway, and online ordering. It also provides retail solutions that enable merchants to manage checkouts and store operations while digitizing inventory and purchasing workflows; and payment solutions that allow merchants to accept and manage electronic payments in connection with their in-store and omni-channel commerce activities. In addition, the company sells point-of-sale (POS) related hardware and POS-related installment services. It serves SME merchants across the food and beverage, retail, and wholesale industries. The company was formerly known as Pintec Technology Holdings Limited and changed its name to J and Friends Holdings Limited in January 2026. J and Friends Holdings Limited was founded in 2012 and is headquartered in Hong Kong, Hong Kong.

A T Tower, Hong Kong, Hong Kong

852 5649 4870

https://ir.j-friends.com

30

Name Title Year Born
Mr. Zexiong Huang CEO & Director 1987
Mr. Xin Yang CFO & Director 1982

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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