Is Pintec Technology Holdings Ltd (JF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 64.0% | |
| Operating Margin | -47.1% | |
| Net Margin | -33.5% | |
| Return on Assets (ROA) | -7.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$15M |
| Free Cash Flow | -$15M |
| Total Debt | $5M |
| Current Ratio | 0.2 |
| Total Assets | $103M |
Price & Trading
| Last Close | $0.94 |
| 50-Day MA | $0.96 |
| 200-Day MA | $0.96 |
| Avg Volume | 49K |
| Beta | 1.0 |
|
52-Week Range
$0.82
| |
About Pintec Technology Holdings Ltd (JF)
J and Friends Holdings Limited, together with its subsidiaries, engages in the provision of technology-enabled financial and digital services to the ecosystem of MSMEs and SMEs in the People's Republic of China and internationally. The company connects business partners and financial partners on its open platform and enables them to provide financial services to end users. It also provides point-of-sale financing solutions to its business partners on their platforms or on its own platform under the Dumiao brand; and business installment loan solutions to its business partners on their platforms or on its own platform. In addition, the company offers wealth management solutions, including a fund distribution solution that enables partners to offer and distribute mutual fund products to their customers, either under its Hongdian brand or as a white label solution; and a robo-advisory solution under the Polaris brand which enables its financial and business partners to provide robo-advisory services to their customers. Further, the company provides international installment loan solutions; Myfin, an insurance solution, that enables its partners to offer and distribute insurance products to its users; value added tools to business and financial partners for deploying its solutions, monitor and evaluate performance, and scale their business; digital marketing tools to target users, implement intelligent digital marketing activities, and increase marketing efficiencies and effectiveness; and real time monitoring tools that offer comprehensive and visualized performance monitoring interface. The company was formerly known as Pintec Technology Holdings Limited and changed its name to J and Friends Holdings Limited in January 2026. J and Friends Holdings Limited was founded in 2012 and is headquartered in Beijing, the People's Republic of China.
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Frequently Asked Questions
Is Pintec Technology Holdings Ltd (JF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Pintec Technology Holdings Ltd is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Pintec Technology Holdings Ltd's debt ratio?
Pintec Technology Holdings Ltd's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Pintec Technology Holdings Ltd's key financial metrics?
Pintec Technology Holdings Ltd has a market capitalization of $15M, and revenue of $35M. The company maintains a gross margin of 64.0% and a net margin of -33.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.