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Jianpu Technology
(OTC:AIJTY)
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Rating:73Outperform
Price Target:
$1.00
â–²(8.70% Upside)
Action:Upgraded
Date:08/20/26
The score is driven primarily by improving profitability and strong, rising free cash flow alongside low leverage. Technicals support the view with price above major moving averages and generally positive momentum, while valuation looks very discounted based on the extremely low P/E. Offsetting these positives, revenue contraction in 2024–2025 and a sharp drop in operating profit in 2025 reduce confidence in the durability of the turnaround.
Positive Factors
Return to Profitability
The move from recurring losses to positive net income in two consecutive years indicates meaningful operational improvement. If maintained, profitability can strengthen internal funding capacity and support continued investment in the platform and lending-partner relationships.
Negative Factors
Persistent Revenue Contraction
Two consecutive years of revenue contraction raise concerns about borrower demand, lender-partner activity or monetization efficiency. Without renewed top-line growth, scale benefits may remain limited and the platform’s ability to expand its earnings base could be constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Profitability
The move from recurring losses to positive net income in two consecutive years indicates meaningful operational improvement. If maintained, profitability can strengthen internal funding capacity and support continued investment in the platform and lending-partner relationships.
Read all positive factors
Jianpu Technology (AIJTY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$19.04M
Dividend Yield52.5%
Average Volume (3M)2.65K
Price to Earnings (P/E)0.2
Beta (1Y)1.42
Revenue Growth-36.38%
EPS Growth-84.51%
CountryUS
Employees264
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.02
Shares Outstanding20,026,180
10 Day Avg. Volume2,902
30 Day Avg. Volume2,648
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.02
Price to Sales (P/S)0.00711
P/FCF Ratio0.07
Enterprise Value/Market Cap>-0.01
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Jianpu Technology Business Overview & Revenue Model
Company Description
Jianpu Technology Inc. (AIJTY) operates a prominent online platform dedicated to the discovery and recommendation of financial products across the People's Republic of China. This digital marketplace grants individual consumers access to a diverse...
How the Company Makes Money
Jianpu Technology primarily makes money by monetizing its role as a digital intermediary between consumer borrowers and financial institutions. Its core revenue model has historically been tied to (1) loan facilitation and recommendation services,...
Jianpu Technology Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
72
Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 952.11M | 1.01B | 1.07B | 989.67M | 805.05M |
| Gross Profit | 316.30M | 378.00M | 280.27M | 208.68M | 150.72M |
| EBITDA | 22.45M | 64.27M | -41.26M | -137.96M | -251.58M |
| Net Income | 31.22M | 106.13M | -26.77M | -124.31M | -199.78M |
Balance Sheet | |||||
| Total Assets | 574.35M | 1.01B | 931.80M | 962.26M | 1.07B |
| Cash, Cash Equivalents and Short-Term Investments | 306.60M | 430.16M | 376.52M | 346.54M | 490.88M |
| Total Debt | 270.17K | 202.98M | 238.62M | 257.18M | 189.75M |
| Total Liabilities | 280.29M | 484.88M | 514.37M | 525.94M | 547.47M |
| Stockholders Equity | 293.66M | 520.47M | 416.90M | 429.87M | 501.50M |
Cash Flow | |||||
| Free Cash Flow | 102.48M | 72.57M | 15.65M | -159.15M | -293.88M |
| Operating Cash Flow | 102.80M | 79.76M | 30.22M | -157.31M | -290.77M |
| Investing Cash Flow | 161.71M | 34.83M | 4.02M | -39.93M | 36.51M |
| Financing Cash Flow | -462.87M | -45.03M | -17.24M | 63.07M | 23.38M |
Jianpu Technology Technical Analysis
Positive
0.92
Price Trends
0.85
Positive
0.88
Positive
0.92
Positive
Market Momentum
0.02
Negative
59.83
Neutral
75.74
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIJTY, the sentiment is Positive. The current price of 0.92 is above the 20-day moving average (MA) of 0.88, above the 50-day MA of 0.85, and above the 200-day MA of 0.92, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 59.83 is Neutral, neither overbought nor oversold. The STOCH value of 75.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AIJTY.
Jianpu Technology Risk Analysis
Jianpu Technology disclosed 87 risk factors in its most recent earnings report. Jianpu Technology reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Jianpu Technology Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $19.04M | 0.20 | 7.67% | 52.50% | -36.38% | -84.51% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $1.09B | 1.27 | 15.36% | 17.00% | -7.92% | -41.54% | |
54 Neutral | $89.09M | -0.29 | -7.18% | 43.14% | -13.83% | -154.13% |
* Financial Sector Average
AIJTY
Jianpu Technology
0.95
-0.10
-9.95%
YRD
Yiren Digital
1.02
-4.51
-81.55%
QFIN
Qifu Technology
9.06
-17.49
-65.87%
Jianpu Technology Corporate Events
Jianpu Technology Names New CEO as Caofeng Liu Resigns
Jun 24, 2026
On June 24, 2026, Jianpu Technology reported that its board approved the resignation of director and acting chief executive officer Caofeng Liu, who also served as chief technology officer and chief operating officer, effective June 30, 2026, citi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.