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Jianpu TechnologyAIJTY -2.80%37 Gross Margin % is 34.50% as of Dec. 2025, which is 16% above its 10-year median of 29.84. GuruFocus rates AIJTY with a GF Score™ of 37/100 and a GF Value™ of $0.83 (Fairly Valued). The stock has 3 warning signs investors should review. Among 391 Credit Services companies, Jianpu Technology ranks worse than 70.59% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Jianpu Technology had a gross margin of 34.50% for the quarter that ended in Dec. 2025 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Jianpu Technology Gross Margin % Related Terms
Jianpu Technology Gross Margin % Historical Data
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The historical data trend for Jianpu Technology's Gross Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AIJTY vs JF, SPST, SPFX: Gross Margin % Comparison
For the Credit Services subindustry, Jianpu Technology's Gross Margin %, along with its competitors' market caps and Gross Margin % 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.
Jianpu Technology Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jianpu Technology's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Jianpu Technology's Gross Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Jianpu Technology (AIJTY) has a Gross Margin % of 34.50% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Jianpu Technology and its competitors. This is 16% above median its historical median of 29.84. Over the past decade, Jianpu Technology's Gross Margin % has ranged from 18.72 to 90.05. According to the industry distribution chart, Jianpu Technology ranks #276 out of 391 companies in the Credit Services industry, placing it in the top 70.6%.
Is Jianpu Technology's Gross Margin % too high?
Jianpu Technology's current Gross Margin % of 34.50% is 16% above median its 10-year median of 29.84. Over the past 10 years, this metric has ranged from a low of 18.72 to a high of 90.05. The Credit Services industry median Gross Margin % is 51.77. Jianpu Technology's value of 34.50% is 33.4% below this industry median. Based on the distribution chart, Jianpu Technology ranks #276 out of 391 companies in the Credit Services industry, which is below the industry midpoint. Overall, Jianpu Technology has a GF Score™ of 37/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jianpu Technology's Gross Margin % compare to JF and SPST?
According to the Credit Services industry distribution chart, Jianpu Technology ranks #276 out of 391 companies for Gross Margin %. This places Jianpu Technology in the lower half of its industry. The industry median Gross Margin % is 51.77. Jianpu Technology's value of 34.50% is 33.4% below this benchmark. Historically, Jianpu Technology's own Gross Margin % has ranged from 18.72 to 90.05 over the past decade. While the company's 10-year median is 29.84 vs. the industry median of 51.77, Jianpu Technology has consistently been below 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.77, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jianpu Technology's current Gross Margin % of 34.50% is 33.4% below 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Jianpu Technology and its competitors. For the Credit Services industry, the median Gross Margin % is 51.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jianpu Technology's current Gross Margin % is 34.50%, which is 16% above median its own 10-year median of 29.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jianpu Technology stock overvalued right now?
Based on GuruFocus' analysis, Jianpu Technology (AIJTY) is currently considered Fairly Valued. The stock's GF Value™ is $0.83, compared to a current price of $0.90 — trading 8.4% above its estimated fair value. The current Gross Margin % is 34.50%, which is 16% above median its 10-year median of 29.84 and 33.4% below the Credit Services industry median of 51.77. Jianpu Technology's overall GF Score™ is 37/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Jianpu Technology (AIJTY), the current Gross Margin % is 34.50% 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.
Is Jianpu Technology (AIJTY) Overvalued in 2026?
Based on GuruFocus' analysis, Jianpu Technology stock appears to be overvalued.
The current stock price of $0.90 is trading 8.4% above its estimated GF Value™ of $0.83.
GuruFocus considers Jianpu Technology to be Fairly Valued.
Key valuation signals for AIJTY:
Gross Margin %: 34.50% (16% above median its 10-year median of 29.84)
GF Value™: $0.83 vs. price of $0.90 (8.4% above fair value)
Industry Position: 33.4% below the Credit Services median (#276 of 391)
No single metric tells the full story. See the AIJTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jianpu Technology Inc is an independent open platform for providing online discovery and recommendation services for financial products in China. The company provides users with personalized search results and recommendations services such as loan applications, credit card services, and advertising and marketing services to its financial needs and credit profile. The individual users have access to financial products through the platform, including credit cards, and wealth management products. In addition, it also offers data risk management solutions to financial service providers which help in application approval, fraud detection and prevention, and other credit underwriting processes.
37GF Score
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