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J and Friends HoldingsJF +1.09%24 3-Year EBITDA Growth Rate is 70.80% as of Dec. 2025, which is 29% above its 10-year median of 54.90. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 325 Credit Services companies, J and Friends Holdings ranks better than 89.54% on this metric.
During the past 3 years, the average EBITDA Per Share Growth Rate was 70.80% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 65.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 10 years, the highest 3-Year average EBITDA Per Share Growth Rate of J and Friends Holdings was 73.70% per year. The lowest was -1.20% per year. And the median was 54.90% per year.
J and Friends Holdings (NAS:JF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
J and Friends Holdings 3-Year EBITDA Growth Rate Related Terms
JF vs STQN, AIJTY, SPST: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, J and Friends Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
J and Friends Holdings 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings's 3-Year EBITDA Growth Rate falls into.
J and Friends Holdings 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 70.80% mean?
J and Friends Holdings (JF) has a 3-Year EBITDA Growth Rate of 70.80% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for J and Friends Holdings and its competitors. This is 29% above median its historical median of 54.90. According to the industry distribution chart, J and Friends Holdings ranks #34 out of 325 companies in the Credit Services industry, placing it in the top 10.5%.
Is J and Friends Holdings' 3-Year EBITDA Growth Rate too high?
J and Friends Holdings' current 3-Year EBITDA Growth Rate of 70.80% is 29% above median its 10-year median of 54.90. The Credit Services industry median 3-Year EBITDA Growth Rate is 10.40. J and Friends Holdings' value of 70.80% is 580.8% above this industry median. Based on the distribution chart, J and Friends Holdings ranks #34 out of 325 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' 3-Year EBITDA Growth Rate compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #34 out of 325 companies for 3-Year EBITDA Growth Rate. This places J and Friends Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 10.40. J and Friends Holdings' value of 70.80% is 580.8% above this benchmark. While the company's 10-year median is 54.90 vs. the industry median of 10.40, J and Friends Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 10.40, based on 325 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. J and Friends Holdings's current 3-Year EBITDA Growth Rate of 70.80% is 580.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for J and Friends Holdings and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 10.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current 3-Year EBITDA Growth Rate is 70.80%, which is 29% above median its own 10-year median of 54.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current 3-Year EBITDA Growth Rate of 70.80%. The current 3-Year EBITDA Growth Rate is 70.80%, which is 29% above median its 10-year median of 54.90 and 580.8% above the Credit Services industry median of 10.40. J and Friends Holdings' overall GF Score™ is 24/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For J and Friends Holdings (JF), the current 3-Year EBITDA Growth Rate is 70.80% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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