JFU vs JZ

9F Inc. vs Jianzhi Education Technology Gr — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — JFU scores higher on quality with 8.3/10 vs JZ's 5.8/10. JFU trades at $3.06 while JZ trades at $0.70. Both analyzed daily using SEC EDGAR data across 13 institutional models.

JFU

Information Technology Services
9F Inc.
Quality
8.3
out of 10
Value Trap
33
LOW
Price
$3.06
Last close
Models
5/13
Active
VS

JZ

Information Technology Services
Jianzhi Education Technology Gr
Quality
5.8
out of 10
Value Trap
26
LOW
Price
$0.70
Last close
Models
10/13
Active
JFU
First Chicago sees +327.6% upside
Limited to 2/13 visible models
JZ
Bayesian DCF sees +38.2% upside
Limited to 2/13 visible models

JFU vs JZ — Fair Value Comparison

JFU
$0$5$10$15 Price$3.06 Earnings …$11.73 (+283.2%) First Chi…$13.08 (+327.6%)
JZ
$0$0$1$1 Price$0.70 Bayesian …$0.97 (+38.2%) Earnings …$0.01 (-98.9%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType JFU Fair ValueJFU Upside JZ Fair ValueJZ Upside
Bayesian DCF Intrinsic $0.97 +38.2%
Earnings Power Value Intrinsic $11.73 +283.2% $0.01 -98.9%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $13.08 +327.6% $0.11 -83.7%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%

JFU vs JZ — Which Stock Is More Undervalued in 2026?

JFU scores higher with a 8.3/10 quality rating vs JZ's 5.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do JFU and JZ Valuations Compare?

JFU currently trades at $3.06 while JZ trades at $0.70. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily for both companies.

Quality of Company: JFU vs JZ

JFU earns a Quality of Company score of 8.3/10 compared to JZ's 5.8/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: JFU vs JZ

JFU carries a LOW value trap risk (33/100) while JZ shows LOW risk (26/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Information Technology Services

Both JFU and JZ operate in Information Technology Services, which has 65 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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