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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
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 |
- -% |
0.98 | - | - | 11.59 | 11.76 | 11.74 | -0.06 |
| V Visa Inc. Class A |
11.54 2.74% |
431.95 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
20.57 3.18% |
667.75 | 31.59 | 24.88 | 14.31 | 89.68 | 14.71 | 23.34 |
| AXP American Express Company |
6.10 1.87% |
331.60 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | - |
| COF Capital One Financial Corporation |
-2.33 1.12% |
206.38 | 11.39 | 8.75 | 2.64 | 1.11 | 2.76 | - |
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.
| 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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