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JFU vs KPLT

JFU
9F Inc.
NEUTRAL
Price
$3.00
Market Cap
$35.4M
Sector
Technology
AI Confidence
75%
KPLT
Katapult Holdings, Inc.
BEARISH
Price
$7.19
Market Cap
$34.3M
Sector
Technology
AI Confidence
95%

Valuation

P/E Ratio
JFU
0.94
KPLT
--
Forward P/E
JFU
--
KPLT
-4.86
P/B Ratio
JFU
0.06
KPLT
-0.9
P/S Ratio
JFU
0.11
KPLT
0.12
EV/EBITDA
JFU
-32.36
KPLT
0.62

Profitability

Gross Margin
JFU
77.1%
KPLT
24.8%
Operating Margin
JFU
18.47%
KPLT
9.9%
Profit Margin
JFU
80.19%
KPLT
0.47%
ROE
JFU
6.87%
KPLT
--
ROA
JFU
0.78%
KPLT
18.0%

Growth

Revenue Growth
JFU
6.5%
KPLT
17.3%
Earnings Growth
JFU
1648.4%
KPLT
--

Financial Health

Debt/Equity
JFU
0.0
KPLT
--
Current Ratio
JFU
6.93
KPLT
0.9
Quick Ratio
JFU
5.75
KPLT
0.19

Dividends

Dividend Yield
JFU
--
KPLT
--
Payout Ratio
JFU
0.0%
KPLT
0.0%

AI Verdict

JFU NEUTRAL

JFU exhibits a stable Piotroski F-Score of 6/9 and an extreme valuation disconnect, with a Graham Number of $57.94 against a current price of $3.00. While the company boasts a near-zero P/E ratio (0.94) and zero debt, the market is pricing in significant risk, evidenced by a 0/100 technical trend and a 31% monthly price decline. The massive earnings growth (1648%) appears to be a recovery from a low base rather than sustainable scaling, given the modest 6.5% revenue growth. Consequently, the stock presents as a classic 'value trap' where fundamental cheapness is offset by severe bearish momentum and micro-cap liquidity risks.

Strengths
Extreme valuation discount (P/E 0.94, P/B 0.06)
Strong liquidity position with a Current Ratio of 6.93
Zero debt (Debt/Equity 0.00)
Risks
Severe bearish technical trend (0/100 score)
Micro-cap volatility and low market capitalization ($0.04B)
Significant disconnect between intrinsic value and market price suggesting hidden risks
KPLT BEARISH

KPLT exhibits critical financial distress, highlighted by a Piotroski F-Score of 0/9, indicating a total failure across all fundamental health benchmarks. The company suffers from negative shareholder equity (Price/Book of -0.90) and a severe liquidity crisis, evidenced by a Quick Ratio of 0.19. While revenue growth remains positive at 17.3% and EPS is trending upward from deep negatives, these improvements are insufficient to offset the systemic insolvency risks. The long-term price trajectory is catastrophic, with a 97.8% decline over five years.

Strengths
Consistent YoY revenue growth of 17.30%
Positive operating margin of 9.90%
Recent improvement in EPS growth (+96.6% YoY)
Risks
Negative Book Value (P/B -0.90) indicating liabilities exceed assets
Severe liquidity risk with a Quick Ratio of 0.19
Piotroski F-Score of 0/9 signaling extreme fundamental weakness

Compare Another Pair

JFU vs KPLT: Head-to-Head Comparison

This page compares 9F Inc. (JFU) and Katapult Holdings, Inc. (KPLT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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