Framework Journal · one stock, one dated entry

Recorded 2026-07-19 · Permanent

9F Inc ADR JFU

Clears the common standard

An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.

In plain words · 9F Inc., together with its subsidiaries, provides digital technology and wealth management services in the People's Republic of China and Hong Kong.

The label
Markdown

read at $2.13

9F Inc ADR holds its Markdown at $2.13.

PHINPOOPSC
  • PHPhase · the trend structure carries the Markdown label
  • INInsiders · no filings inside 60 days, left as found
  • POPositioning · no disclosures inside 60 days, left as found
  • OPOptions · no verdict drawn today, left as found
  • SCScreen · passes the values gate
  • edge confirmed
  • edge broken
  • edge forming

Each arm is one independent read. Conviction is not a single call, it is how many edges converge.

The investor read · the season, not the day

As held on the ledger · 2026-07-19
PhaseMarkdown · caution
Quantitative stateThe statistical read favours the sellers, held for 1 days
Price$2.13
Valuation1.02 trailing · N/A forward price to earnings
Values screenPASS · score 70.0
Beta1.07

The business, in plain words · what the numbers mean

The fundamentals · plain-English read
Trailing P/E1.0x
very cheap relative to earnings
Revenue growth-17.6%
revenue is shrinking
Profit margin58.0%
highly profitable on every dollar of sales
Return on equity4.5%
a modest return on shareholder capital
Debt to equity0.63
moderate, manageable leverage
Current ratio7.74
comfortably covers its short-term bills
Beta1.07
moves a little more than the market
Market cap$25M
Employees185

The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; its business and earnings are exposed to China and to currency swings.

Plain-English interpretation of our own screen data. Analysis, not advice.

Related securities · others in JFU's space worth a look

CLPS CLPS Inc SAIH SAIHEAT Ltd HKIT Hitek Global Inc SLAI SOLAI Ltd ADR DAIC CID Holdco Inc AIOS AIOS Tech Inc

Screened names in the same industry · explore each on its own page.

The trader read · the latest dated commentary

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are up 90%. Our forward projection puts the odds of a 10% gain over the next month near 34%. Entered 2026-07-18 · Markup

The dated journal · newest first, never edited

2026-07-18 Markup $2.94 +0.0% Entry 3

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are up 90%. Our forward projection puts the odds of a 10% gain over the next month near 34%.

2026-07-03 Markup $2.94 +0.0% Entry 2

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows good risk-adjusted returns.

2026-07-02 Markup $2.94 Entry 1

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows good risk-adjusted returns.

Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.

What holding actually paid · price plus dividends

If $1,000 had been placed · historical, not a promise
PeriodPrice thenPrice returnDivs per share$1,000 becameTotal return
1 month $3.80 -23.7% · $763 -23.7%
2 months $3.00 -3.5% · $965 -3.5%
3 months $4.35 -33.3% · $667 -33.3%
6 months $8.44 -65.6% · $344 -65.6%
1 year $1.53 +89.5% · $1,895 +89.5%
2 years $2.40 +20.8% · $1,208 +20.8%
3 years $4.75 -39.0% · $611 -39.0%
5 years $47.60 -93.9% · $61 -93.9%

Historical returns from market close data. Past performance does not guarantee future results.

This entry now belongs to the ledger. Whatever JFU does next, these words stay.

9F Inc ADR · JFU · Markdown · $2.13
Recorded 2026-07-19 · before the outcome · scored mechanically

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