Jianpu Technology Inc.

AIJTY
About the company

Jianpu Technology Inc. operates an open financial technology platform under the Rong360 brand in the People's Republic of China. The company offers online discovery and recommendation services of financial products through its platform; loan products comprising personal consumptive needs and other personal expenses, and small and medium enterprises loans; and sales and marketing solutions, and digital intelligence as a service solution for financial service providers.

Price: $0.43Market Cap: $8.6M

Investment snapshot

35%positive consensus
Scored 1d ago

Positive

6

BUY / PASS

Neutral / negative

4 / 6

NEUTRAL / FAIL

Median fair value

$0.16

-62.8% vs price

Models with upside

6 / 17

Positive margin of safety

Strongest signal

Models split on AIJTY at $0.43 — fair values range $0.02–$0.50

Key risk

No clean pass — all 8 investors flag at least one growth criterion

Framework analysis

VerdictMeaning
BUYPositive purchase signal: the framework's buy requirements are met.
PASSThe company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRALNeither a positive nor negative conclusion. It does not mean to hold an existing position.
FAILThe company does not clear the framework's requirements.
RankedRanked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

MetricGraham

Defensive Value

Buffett

Quality Compounder

Lynch

GARP

Greenblatt

Magic Formula

Piotroski

F-Score

Dreman

Contrarian Value

Munger

Quality Focus

Pabrai

Dhandho Framework

Akre

Three-Legged Stool

Marks

Risk-Aware Value

Ackman

Activist Value

Templeton

Global Bargain Hunter

Sleep

Scale Economies Shared

Asness

Systematic Factors

Neff

Low-P/E Total Return

Schloss

Asset-Value Discipline

O'Shaughnessy

Systematic Factor Composite

VerdictPASSFAILFAILNot rankedPASSPASSPASSNEUTRALFAILFAILPASSPASSFAILNEUTRALNEUTRALFAILNEUTRAL
Score
AnalysisChecking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…Checking access…
Intrinsic Value (annual)N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Margin of Safety+86.6%+84.6%N/A-7.5%N/A+88.7%+95.1%+73.1%N/AN/A+95.7%N/AN/AN/AN/AN/AN/A
Financial Basis

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Market data at 2026-11-01

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Qualitative assessment · Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Qualitative assessment · Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Market data at 2026-11-01

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Price history 2025-01-01–2026-11-01

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Price history 2025-01-01–2026-11-01

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Annual history · FY 2025 · Price history 2025-01-01–2026-11-01

Latest source filing: 2026-04-24

Score computed: 2026-11-14

Where It Passes

  • Valuation models86% pass✓ 6✗ 1▾

    Models split on AIJTY at $0.43 — fair values range $0.02–$0.50

    Graham fair value$0.16
    ✓Graham+86.6% margin vs $0.43
    Buffett fair value$0.14
    ✓Buffett+84.6% margin vs $0.43
    Greenblatt fair value$0.02
    ✗Greenblatt-7.5% margin vs $0.43
    Dreman fair value$0.19
    ✓Dreman+88.7% margin vs $0.43
    Munger fair value$0.44
    ✓Munger+95.1% margin vs $0.43
    Pabrai fair value$0.08
    ✓Pabrai+73.1% margin vs $0.43
    Ackman fair value$0.50
    ✓Ackman+95.7% margin vs $0.43
  • Cash Flow80% pass✓ 10✗ 2▾

    8 of 10 pass — Marks and Sleep object

    Free Cash Flow Proxy$4.8M
    ✓BuffettPositive and growing
    FCF Positive and Growing$15.1M
    ✓LynchPositive and growing
    Operating Cash Flow$15.1M
    ✓PiotroskiCFO > 0
    (CFO / Total Assets) vs ROACFO/Assets=18.41%, ROA=5.59%
    ✓PiotroskiCFO/Assets > ROA
    Price / (CFO / Shares)0.6x
    ✓Dreman< 8x
    P/E or FCF YieldP/E=1.9x, FCF Yield=174.9%
    ✓PabraiP/E < 15 or FCF Yield > 10%
    FCF Positive3/9 years FCF positive
    ✗MarksPositive FCF in majority of recent years
    (OCF - CapEx) / Market Cap174.9%
    ✓Ackman>= 4%
    Price / FCF per Share0.6x
    ✓Ackman<= 25
    Positive Operating Cash Flow frequency3/9 years positive
    ✗SleepPositive OCF in >= 70% of available years
    Operating Cash Flow - Capital Expenditures$15.1M
    ✓Neff> $0 (app proxy for a strong fundamental case)
    (Operating cash flow - capex) / market capitalization+174.87%; #41/4519 (top 0.9%)
    ✓OshaughnessyTop 10% of eligible cross-section
  • Valuation54% pass✓ 21✗ 7▾

    7 of 13 pass — Lynch, Greenblatt, Templeton +3 more object

    Price / 3-yr avg EPS1.7x
    ✓Graham<= 15x
    Price-to-Book Ratio0.2x
    ✓Graham<= 1.5x
    P/E x P/B0.30
    ✓Graham<= 22.5
    Basic earnings-growth PEG (dividends excluded)P/E 1.9x (growth N/A)
    ✗Lynch< 1.0 (ideally < 0.5)
    EBIT / Enterprise ValueN/A (EV <= 0)
    ✗Greenblatt> 10%
    Earnings Yield + ROC AssessmentEY=N/A (EV <= 0), ROC=N/A (invested capital <= 0)
    ✗GreenblattBoth EY > 10% and ROC > 25%
    Price / EPS1.9x
    ✓Dreman< 12x✓Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
    Price / (CFO / Shares)0.6x
    ✓Dreman< 8x
    Price / Book Value per Share0.2x
    ✓Dreman< 1.2x✓Templeton< 1.5x✓SchlossP/B <= 0.80x (app cutoff)
    Valuation ReasonablenessP/E=1.9x, OE Yield=55.3%
    ✓MungerP/E < 25 or Owner Earnings Yield > 5%
    P/E or FCF YieldP/E=1.9x, FCF Yield=174.9%
    ✓PabraiP/E < 15 or FCF Yield > 10%
    P/B or P/E vs. Historical AverageP/E=1.9x, P/B=0.2x
    ✓MarksP/E < 15 or P/B < 2.0
    Discount to Intrinsic Value88.9% (IV=$0.19 vs Price=$0.02)
    ✓Marks>= 20% below intrinsic value
    Price / FCF per Share0.6x
    ✓Ackman<= 25
    Price vs. Trailing Low137% of trailing low ($0.02)
    ✗Templeton<= 120% of trailing low (certified split-adjusted live window)
    Net income / market capitalization+53.27%; #136/6340 (top 2.1%)
    ✓AsnessTop 30% of eligible cross-section✓OshaughnessyTop 10% of eligible cross-section
    Positive book equity / market capitalization+4.8713; #291/6449 (top 4.5%)
    ✓AsnessTop 30% of eligible cross-section
    Price / Diluted EPS1.9x
    ✓NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
    (EPS CAGR % + Dividend Yield %) / P/E
    ✗Neff> 0.7 (Neff's published traditional edge)
    Price / Tangible Book Value per Share0.21x
    ✓SchlossP/TBV <= 1.00x (app cutoff)
    Book Value per Share Change-58.7%
    ✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
    Revenue / market capitalization+16.2465; #239/5247 (top 4.6%)
    ✓OshaughnessyTop 10% of eligible cross-section
    (Operating cash flow - capex) / market capitalization+174.87%; #41/4519 (top 0.9%)
    ✓OshaughnessyTop 10% of eligible cross-section
    Trailing six-month price return through the evaluation date-50.57%; #5174/6202 (top 83.4%)
    ✗OshaughnessyTop 10% of eligible cross-section

Where It Falls Short

  • Growth0% pass✓ 4✗ 9▾

    No clean pass — all 8 investors flag at least one growth criterion

    EPS Growth (3-yr avg, 10-yr window)
    ✗Graham>= 33% growth
    Basic earnings-growth PEG (dividends excluded)P/E 1.9x (growth N/A)
    ✗Lynch< 1.0 (ideally < 0.5)
    3-5 Year EPS CAGR
    ✗Lynch15-30% (Fast Grower); > 0% to pass
    Inventory Growth vs Revenue GrowthN/A (no inventory)
    ✓LynchInventory growth < Revenue growth
    EPS Growth Direction$-0.09 (2017) -> $0.01 (2025)
    ✓DremanPositive over recent years
    EPS CAGR
    ✗Dreman> 5% annualized
    Positive Net Income Frequency2/11 years positive
    ✗MarksPositive net income in >= 7 of last 10 years
    3yr Median Revenue Growth1.5%
    ✗Ackman>= 5%
    Positive EPS Growth Frequency4/5 years with positive EPS growth
    ✓AckmanPositive EPS growth in >= 3 of last 5 years
    5-Year EPS CAGR
    ✗Templeton> 0% (5-year EPS CAGR)
    Revenue growth vs. gross and operating margin trendgross margin 25.6% -> 33.2%, operating margin -4.9% -> 2.2%
    ✗SleepRevenue rising; gross margin flat or falling; operating margin holding
    5-year Revenue CAGR9.3%
    ✓SleepCAGR > 7%
    3-5 Year Diluted EPS CAGR
    ✗Neff7%-20% annualized
  • Debt & Leverage8% pass✓ 3✗ 12▾

    11 of 12 flag AIJTY's debt & leverage — Graham, Buffett, Lynch +8 more

    LT Debt vs Net Current Assets
    ✗GrahamLT Debt <= Net Current Assets
    Debt/Equity & Interest Coverage
    ✗BuffettD/E < 0.5 AND Interest Coverage > 5x
    Total Debt / Equity
    ✗Lynch< 0.33
    Cash - Long-term Debt
    ✗LynchPositive preferred
    LT Debt / Total Assets Change0.00% -> 0.00%
    ✓PiotroskiDecreased YoY
    Current Assets / Current Liabilities1.63
    ✓Dreman> 1.5✓SchlossCurrent ratio >= 1.50x (app cutoff)
    Total Debt / Shareholders' Equity
    ✗Dreman< 0.8✗Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✗SchlossD/E < 1.00x
    Debt Levels
    ✗MungerDebt/Equity < 0.5✗AkreDebt/Equity < 0.3
    Interest Coverage & Debt/EBITDA
    ✗MarksInterest Coverage > 3x; Debt/EBITDA < 4x
    Total Debt / Shareholders Equity
    ✗Ackman<= 1.0
    Negative debt-to-equity (higher means less debt)
    ✗AsnessTop 30% of eligible cross-section
  • Profitability13% pass✓ 10✗ 25▾

    14 of 16 flag AIJTY's profitability — Graham, Buffett, Lynch +11 more

    Positive EPS (10 years)2/12 years positive
    ✗GrahamPositive EPS every year for 10 years
    EPS Growth (3-yr avg, 10-yr window)
    ✗Graham>= 33% growth
    Net Income Positive (10+ years)2/12 years positive
    ✗BuffettPositive every year for 10+ years
    ROE (up to 5-year arithmetic mean)-8.8%
    ✗Buffett> 15% arithmetic mean (app rule)
    Operating Margin (10-yr trend)2.2% (latest)
    ✓BuffettStable or rising over 10 years
    Free Cash Flow Proxy$4.8M
    ✓BuffettPositive and growing
    Earnings Variance (10-yr CoV)N/A (negative mean EPS)
    ✗BuffettCoV < 0.3
    Retained Earnings Effectiveness
    ✗Buffett$1 retained -> > $1 market value created
    Basic earnings-growth PEG (dividends excluded)P/E 1.9x (growth N/A)
    ✗Lynch< 1.0 (ideally < 0.5)
    3-5 Year EPS CAGR
    ✗Lynch15-30% (Fast Grower); > 0% to pass
    ROE10.9%
    ✗Lynch> 15%
    EBIT / Enterprise ValueN/A (EV <= 0)
    ✗Greenblatt> 10%
    Earnings Yield + ROC AssessmentEY=N/A (EV <= 0), ROC=N/A (invested capital <= 0)
    ✗GreenblattBoth EY > 10% and ROC > 25%
    Net Income / Total Assets5.59%
    ✓PiotroskiROA > 0
    ROA Change YoY10.55% -> 5.59% (delta: -4.96%)
    ✗PiotroskiCurrent ROA > Prior ROA
    (CFO / Total Assets) vs ROACFO/Assets=18.41%, ROA=5.59%
    ✓PiotroskiCFO/Assets > ROA
    Gross Margin Change YoY36.6% -> 33.2%
    ✗PiotroskiImproved YoY
    Pre-Tax Income / Revenue3.3%
    ✗Dreman>= 8%
    Net Income / Shareholders' Equity10.9%
    ✗Dreman> 12%
    Margin of SafetyP/E=1.9x, P/B=0.2x
    ✓PabraiP/B < 1.5 or P/E < 15
    Return on Equity8.3% (3-yr avg)
    ✗AkreROE > 20% (3-year avg)
    Discount to Intrinsic Value88.9% (IV=$0.19 vs Price=$0.02)
    ✓Marks>= 20% below intrinsic value
    Positive Net Income Frequency2/11 years positive
    ✗MarksPositive net income in >= 7 of last 10 years
    Operating Income / Revenue2.2%
    ✗Ackman>= 15%
    Net Income / Shareholders Equity10.9%
    ✗Ackman>= 15%
    5-Year EPS CAGR
    ✗Templeton> 0% (5-year EPS CAGR)
    Operating Margin Trend-4.9% (2023) -> 2.2% (2025)
    ✓TempletonNon-negative operating-margin trend over 3 years
    Revenue growth vs. gross and operating margin trendgross margin 25.6% -> 33.2%, operating margin -4.9% -> 2.2%
    ✗SleepRevenue rising; gross margin flat or falling; operating margin holding
    Net income / market capitalization+53.27%; #136/6340 (top 2.1%)
    ✓AsnessTop 30% of eligible cross-section✓OshaughnessyTop 10% of eligible cross-section
    Gross profit / total assets+56.65%; #530/3702 (top 14.3%)
    ✓AsnessTop 30% of eligible cross-section
    Net income / positive book equity+10.94%; #1675/5226 (top 32.1%)
    ✗AsnessTop 30% of eligible cross-section
    Negative 5-year standard deviation of ROA-0.1095; #3594/5884 (top 61.1%)
    ✗AsnessTop 30% of eligible cross-section
    3-5 Year Diluted EPS CAGR
    ✗Neff7%-20% annualized
    Positive Diluted-EPS Years2/9 years positive
    ✗Schloss>= 70% positive over 5-10 observed years (app rule)
  • Efficiency13% pass✓ 2✗ 9▾

    7 of 8 flag AIJTY's efficiency — Graham, Buffett, Greenblatt +4 more

    Current Ratio1.63
    ✗Graham>= 2.0
    ROIC (3-5 yr avg)-40.8%
    ✗Buffett> 10%
    ROIC - WACC-50.8%
    ✗BuffettPositive (WACC = 10%)
    EBIT / (NWC + Net Fixed Assets)N/A (invested capital <= 0)
    ✗Greenblatt> 25%
    Current Ratio Change YoY1.89 -> 1.63
    ✗PiotroskiIncreased YoY
    Revenue / Total Assets Change YoY1.00x -> 1.71x
    ✓PiotroskiImproved YoY
    Current Assets / Current Liabilities1.63
    ✓Dreman> 1.5
    Return on Invested Capital
    ✗Munger> 15%
    ROIC (high and growing)FY2023: ROIC=-6.4%; FY2024: ROIC=5.5%; FY2025: ROIC=unavailable
    ✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
    Reinvestment Rate x ROIC
    ✗AkreReinvestment Rate * ROIC > 10%
    ROIC (5-year)0/4 years above 12% (latest 5.5%)
    ✗SleepROIC > 12% in a majority of years
  • Verdicts50% pass✓ 6✗ 6▾

    Split decision: 6 PASS · 6 FAIL · 4 NEUTRAL

    Overall verdict
    ✓GrahamPASS (4/9)✗BuffettFAIL (2/9)✗LynchFAIL (2/7)•GreenblattNot ranked✓PiotroskiPASS (F-Score 5)✓DremanPASS (6/11)✓MungerPASS (2/4)•PabraiNEUTRAL (2/3)✗AkreFAIL (1/6)✗MarksFAIL (2/5)✓AckmanPASS (4/9)✓TempletonPASS (4/8)✗SleepFAIL (2/6)•AsnessNEUTRAL (Not ranked)•NeffNEUTRAL (4/6)✗SchlossFAIL (3/7)•OshaughnessyNEUTRAL (Not ranked)

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Industry: Business Services
Size: Micro Cap($8.6M)
Revenue: $139.9M+1.5% YoY
Net Income: $4.6M-68.5% YoY

Financial Snapshot

Operating Margin2.2%
Return on Equity10.9%
Debt / Equity--
Current Ratio1.63
EPS (Diluted)$0.01−67.9% 1y
Buybacks (1y)$715
Buybacks (2y)$1.5M
Shares Retired−7.5% / 5.7% 2y

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Shareholder Return

Fiscal 2025

Issued 7.5% of shares last year, 5.7% over two.

Buybacks
$715
Dividends
$36.6M

What drove EPS

A buyback raises earnings per share without the company earning more. This splits each year's change into the two.

FY25
−67.9% = −68.5% + 1.8%
Earnings Fewer shares More shares

The two parts do not sum exactly to the total — the difference is the cross-term, plus preferred capital where the company has any. It is left visible rather than distributed into the other two.

Share count is the denominator the filer used for diluted EPS, recovered as net income ÷ EPS — not the balance-sheet count, which is a point-in-time figure and would put the timing difference into this split. Years with a loss are omitted: a smaller share count makes a loss per share larger, so the decomposition inverts.

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

MetricFY 2025
Sources
  • 20-F · 2026-04-24
FY 2024
Sources
  • 20-F · 2025-04-28
FY 2023
Sources
  • 20-F · 2024-04-19
FY 2022
Sources
  • 20-F · 2023-04-26
FY 2021
Sources
  • 20-F · 2022-04-29
Market Cap$8.6Mcurrent$133.3Mest.$174.2Mest.$848.9Mest.$391.9Mest.
Revenue$139.9M↑1%$137.9M↓8%$150.5M↑6%$142.1M↑12%$126.3M
Operating Income$3.1M↓56%$6.9M↑194%-$7.4M↑66%-$21.8M↑46%-$40.6M
Net Income$4.6M↓68%$14.5M↑486%-$3.8M↑79%-$17.9M↑43%-$31.4M
EPS (Diluted)$0.01↓68%$0.04↑522%$-0.01↑81%$-0.04↑40%$-0.07
Gross Margin33.2%↓9%36.6%↑43%25.6%↑19%21.5%↑12%19.2%
Operating Margin2.2%↓56%5.0%↑203%-4.9%↑68%-15.4%↑52%-32.1%
ROE10.9%↓46%20.4%↑418%-6.4%↑78%-28.9%↑27%-39.8%
Total Debt--$27.7M↓17%$33.2M↓9%$36.4M↑28%$28.5M
Shareholders' Equity$41.9M↓41%$71.3M↑22%$58.7M↓5%$61.7M↓22%$78.7M
Current Ratio1.63↓13%1.89↑10%1.72↓1%1.73↓4%1.80
Debt / Equity—0.39↓31%0.57↓4%0.59↑63%0.36
Operating Cash Flow$15.1M↑38%$10.9M↑1721%$600.3K↑103%-$22.2M↑52%-$46.2M
Free Cash Flow$15.1M↑51%$9.9M↑3099%$310.8K↑101%-$22.5M↑52%-$46.7M

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Business Services

AIJTY vs Peers — Financial Grading

Revenue$139.9MBottom 25%
Net Income$4.6MMedian
ROE10.9%Median
D/E—
Op. Margin2.2%Median
Curr. Ratio1.63Median
CompanyMarket CapPriceRevenueNet IncomeROED/EOp. MarginCurr. RatioGrahamBuffettLynchGreenblattPiotroskiDreman
AUTOMATIC DATA PROCESSING INCADP$122.3B$309.93$21.9B$4.4B73.2%0.8224.2%1.054/95/93/70/3F-Score 65/11
ELECTRONIC ARTS INC.EA$52.9B$209.70$7.5B$887.0M13.1%0.2215.4%1.051/94/94/70/3F-Score 66/11
Rubrik, Inc.RBRK$22.6B$109.88$1.3B$348.8M67.1%—-26.2%1.691/90/92/70/3F-Score 62/11
AECOMACM$9.1B$70.50$16.1B$561.8M22.5%1.096.4%1.141/93/93/71/3F-Score 82/11
COMMVAULT SYSTEMS INCCVLT$6.2B$152.07$1.2B$70.7M942.8%—6.3%1.951/92/94/70/3F-Score 66/11
WPP plcWPP$6.0B$27.79$18.2B$289.5M-8.5%1.942.8%0.891/92/91/70/3F-Score 32/11
VARONIS SYSTEMS INCVRNS$5.6B$48.94$623.5M$129.3M-21.6%0.76-23.5%1.971/90/91/70/3F-Score 51/11
ROBERT HALF INC.RHI$4.3B$42.00$5.4B$133.0M10.4%—1.4%1.532/95/91/70/3F-Score 52/11