JF (J and Friends Holdings) Moat Score: 2/10 (As of Sep. 09, 2026)

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JF J and Friends Holdings Ltd JF
24 GF Score
Price $0.93
! 5 Warning Signs
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What is J and Friends Holdings Moat Score?

J and Friends Holdings JF +1.09% 24 Moat Score is 2 as of Sep. 09, 2026. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 568 Credit Services companies, J and Friends Holdings ranks better than 89.26% on this metric.

J and Friends Holdings has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

J and Friends Holdings has No Moat: J and Friends Holdings lacks significant competitive advantages, with no strong brand, intellectual property, or network effects, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes J and Friends Holdings might have No Moat - Very weak/transient advantages.

J and Friends Holdings  (NAS:JF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

J and Friends Holdings Moat Score Related Terms

JF vs STQN, AIJTY, SPST: Moat Score Comparison

For the Credit Services subindustry, J and Friends Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, J and Friends Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where J and Friends Holdings's Moat Score falls into.


JF
24GF Score
J and Friends Holdings Ltd JF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
J and Friends Holdings (JF) has a Moat Score of 2 as of Sep. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, J and Friends Holdings ranks #61 out of 568 companies in the Credit Services industry, placing it in the top 10.7%.
Is J and Friends Holdings' Moat Score too high?
J and Friends Holdings' current Moat Score is 2. Based on the distribution chart, J and Friends Holdings ranks #61 out of 568 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' Moat Score compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #61 out of 568 companies for Moat Score. This places J and Friends Holdings in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. J and Friends Holdings's current Moat Score is 2. 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 Moat Score of 2. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For J and Friends Holdings (JF), the current Moat Score is 2 as of Sep. 09, 2026. 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 Business Description

Address 180 Electric Road, Room 02/a, 7/F, A T Tower, North Point, Hong Kong, HKG, 101111
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.
24GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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