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Jianpu Technology (OTCPK:AIJTY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Jianpu Technology Net Margin % Related Terms
Jianpu Technology Net Margin % Historical Data
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The historical data trend for Jianpu Technology's Net 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.
For the Credit Services subindustry, Jianpu Technology's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jianpu Technology's Net Margin % distribution charts can be found below:
* The bar in red indicates where Jianpu Technology's Net 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.
Jianpu Technology (AIJTY) has a Net Margin % of 3.07% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Jianpu Technology and its competitors. According to the industry distribution chart, Jianpu Technology ranks #405 out of 539 companies in the Credit Services industry, placing it in the top 75.1%.
Is Jianpu Technology's Net Margin % too high?
Jianpu Technology's current Net Margin % is 3.07%. The Credit Services industry median Net Margin % is 15.54. Jianpu Technology's value of 3.07% is 80.2% below this industry median. Based on the distribution chart, Jianpu Technology ranks #405 out of 539 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to JF and SPST?
According to the Credit Services industry distribution chart, Jianpu Technology ranks #405 out of 539 companies for Net Margin %. This places Jianpu Technology in the lower half of its industry. The industry median Net Margin % is 15.54. Jianpu Technology's value of 3.07% is 80.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.54, based on 539 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jianpu Technology's current Net Margin % of 3.07% is 80.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Jianpu Technology and its competitors. For the Credit Services industry, the median Net Margin % is 15.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jianpu Technology's current Net Margin % is 3.07%. 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 Net Margin % is 3.07% and 80.2% below the Credit Services industry median of 15.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Jianpu Technology (AIJTY), the current Net Margin % is 3.07% 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:
Net Margin %: 3.07%
GF Value™: $0.83 vs. price of $0.90 (8.4% above fair value)
Industry Position: 80.2% below the Credit Services median (#405 of 539)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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