Jianpu Technology (AIJTY) AI Stock Analysis

Jianpu Technology

(Other OTC:AIJTY)

Select Model

Rating:71Outperform

Price Target:$0.48▲(10.43% Upside)

Action:reiterated

Date:10/22/26

The score is supported primarily by the company’s improved profitability, balance sheet, and cash flow. Weak revenue momentum and negative technical trends reduce the score, while the provided valuation metrics provide a significant offset.

Positive Factors

Profitability turnaroundThe return to positive net income after sizable losses from 2020 through 2023 indicates a meaningful improvement in profitability. If maintained, this turnaround can strengthen internal funding capacity, reduce dependence on external capital, and support more resilient operations over the coming quarters.

Negative Factors

Revenue contractionRepeated revenue contraction points to weaker platform activity or monetization and limits the company’s ability to compound earnings. Without a durable recovery in borrower demand, lender conversion, or service revenue, cost reductions alone may not support sustained growth over the next several quarters.

Jianpu Technology (AIJTY) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $436.57K
Dividend Yield: 228.90%
Average Volume (3M): 7,650
Price to Earnings (P/E): 0.1
Beta (1Y): 1.71
Revenue Growth: -36.38%
EPS Growth: -84.51%
Country: US
Employees: 264
Sector: Financial
Sector Strength: 68
Industry: Financial - Credit Services

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 ar...

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, wh...

Jianpu Technology Financial Statement Overview

Summary

Strong recovery in profitability and cash generation supports the score: income statement 68, balance sheet 82, and cash flow 85. Improving returns, lower leverage, and robust positive operating cash flow are offset by continuing revenue declines.

Income Statement

68Positive

Balance Sheet

82Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price0.44

Price Trends

50DMA0.47Negative

100DMA0.45Negative

200DMA0.45Negative

Market Momentum

MACD-0.02Positive

RSI49.10Neutral

STOCH39.36Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIJTY, the sentiment is Negative. The current price of 0.44 is below the 20-day moving average (MA) of 0.46, below the 50-day MA of 0.47, and below the 200-day MA of 0.45, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 49.10 is Neutral, neither overbought nor oversold. The STOCH value of 39.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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

2 New Risks

1.The PRC government's significant oversight and discretion over our business operation could result in a material adverse change in our operations and the value of our ADSs.Q4, 2020

2.Our business is subject to complex and evolving laws and regulations regarding cybersecurity, information security, privacy and data protection in China. Many of these laws and regulations are subject to change and uncertain interpretation, and any failure or perceived failure to comply with these laws and regulations could result in negative publicity, legal proceedings, increased cost of operations, or otherwise harm our business.Q4, 2020

Jianpu Technology Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

AIJTY against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AIJTY	71Outperform	$8.74M	0.09	7.67%	228.90%	-36.38%	-84.51%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QFIN	56Neutral	$639.60M	0.76	15.36%	23.98%	-7.92%	-41.54%
YRD	37Underperform	$36.26M	-0.16	-16.95%	48.18%	-27.36%	-220.29%

* Financial Sector Average

Performance Comparison

AIJTY and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
AIJTY	Jianpu Technology Inc Adr Class A	0.44	-0.10	-17.89%
YRD	Yiren Digital Ltd. Sponsored Adr	0.41	-5.00	-92.34%
QFIN	Qifu Technology, Inc	5.17	-14.72	-74.01%

Jianpu Technology Corporate Events

Jianpu Technology Sets October Ex-Dividend Date for Large Special Cash Dividend

Sep 14, 2026

On September 14, 2026, Beijing-based Jianpu Technology Inc. said FINRA has set October 20, 2026 as the ex-dividend date for a special cash dividend to be paid in October that was first announced on September 2. The payout amounts to US$0.02495 per or...

Jianpu Technology Posts Weaker H1 2026 Results, Announces US$10 Million Special Dividend

Sep 2, 2026

For the first half of 2026, ended June 30, Jianpu Technology reported a sharp downturn in performance, with total revenues falling 49.6% year-on-year to RMB280.9 million and net income dropping to RMB2.4 million, pressured by lower loan application v...

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.

Date of analysis: Oct 22, 2026

Jianpu Technology AI Stock Analysis