CompanyGraph
What stands out
- Most companies in its industry are risk businesses; this one is an interface business
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- PositionGross margin is 22.2%, lower than 95% of its Credit Services peers (median 48.8%)
- Interpretations1 currently firing — 1
What this company is and how it runs — written from structure, not news.
What stands out
- Most companies in its industry are risk businesses; this one is an interface business
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Sign inThe reported statements, read against the company's own industry.
Financials view
Market Capitalization
7.37BCNY1.10B · vs all stocks (USD)
Revenue (TTM)
2.30BCNY341.63M · vs all stocks (USD)
Profit Margin
-18.68%vs Credit Services peers
Beta
0.2800xvs all stocks
52-Week Change
-40.87%vs all stocks
Market Capitalization
7.37BCNY1.10B · vs all stocks (USD)
Enterprise Value
7.23BCNY1.08B · vs all stocks (USD)
Forward P/E
26.03xvs Credit Services peers
Price to Sales (TTM)
3.26xvs Credit Services peers
Price to Book (MRQ)
4.34xvs Credit Services peers
Enterprise to Revenue
3.15xvs Credit Services peers
Enterprise to EBITDA
-25.28xvs Credit Services peers
Gross Margin
22.22%vs Credit Services peers
Profit Margin
-18.68%vs Credit Services peers
Operating Margin
-11.26%vs Credit Services peers
Return on Assets (TTM)
-3.84%vs Credit Services peers
Return on Equity (TTM)
-23.46%vs Credit Services peers
Revenue (TTM)
2.30BCNY341.63M · vs all stocks (USD)
Revenue per Share (TTM)
3.05CNYUpdated Aug 21, 2026Quarterly Revenue Growth
-4.00%vs Credit Services peers
Gross Profit (TTM)
386.11MCNY57.42M · vs all stocks (USD)
EBITDA (TTM)
-286.16MCNY-42.56M · vs all stocks (USD)
Net Income (TTM)
-429.12MCNY-63.81M · vs all stocks (USD)
Operating Cash Flow (TTM)
-62.03MCNY-9.22M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
-225.57MCNY-33.54M · vs all stocks (USD)
5-Year Average Dividend Yield
1.18%vs all stocks
Payout Ratio
0.00%vs Credit Services peers
Minority Interest (Equity)
-595.30KCNYFY2025 · Dec 31, 2025Revenue
2.32BCNYFY2025 · Dec 31, 2025Cost of Goods Sold
1.91BCNYFY2025 · Dec 31, 2025Gross Profit
412.87MCNYFY2025 · Dec 31, 2025Operating Income
-380.91MCNY-56.65M · vs all stocks (USD)
Pre-tax Income
-415.55MCNYFY2025 · Dec 31, 2025Income Tax Expense
70.85MCNYFY2025 · Dec 31, 2025Net Income
-486.40MCNYFY2025 · Dec 31, 2025EBIT
-321.03MCNYFY2025 · Dec 31, 2025EBITDA (Income Statement)
-127.94MCNYFY2025 · Dec 31, 2025Research & Development
54.28MCNYFY2025 · Dec 31, 2025Selling, General & Administrative
116.06MCNYFY2025 · Dec 31, 2025Other Operating Expenses
58.52MCNYFY2025 · Dec 31, 2025Non-operating Interest Income
14.94MCNYFY2025 · Dec 31, 2025Non-operating Interest Expense
94.53MCNYFY2025 · Dec 31, 2025EPS (Basic)
-0.6400CNYFY2025 · Dec 31, 2025EPS (Diluted)
-0.6400CNYFY2025 · Dec 31, 2025Basic Shares Outstanding
751.06MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
751.06MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
-486.40MCNYFY2025 · Dec 31, 2025Minority Interests (P&L)
5.72MCNYFY2025 · Dec 31, 2025Preferred Stock Dividends
0.00CNYFY2025 · Dec 31, 2025Operating Cash Flow
-246.04MCNYFY2025 · Dec 31, 2025Free Cash Flow
-596.19MCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
990.51MCNYFY2025 · Dec 31, 2025Starting Profit (CF Statement)
-486.40MCNYFY2025 · Dec 31, 2025Other Non-cash Items
146.97MCNYFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
23.58MCNYFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
69.81MCNYFY2025 · Dec 31, 2025Capital Expenditures
-350.15MCNYFY2025 · Dec 31, 2025Sale of Investments
102.50MCNYFY2025 · Dec 31, 2025Net Investing Cash Flow
-247.65MCNYFY2025 · Dec 31, 2025Long-term Debt Issuance
1.00BCNYFY2025 · Dec 31, 2025Long-term Debt Payments
-767.20MCNYFY2025 · Dec 31, 2025Common Dividends Paid
-55.22MCNYFY2025 · Dec 31, 2025Other Financing Charges
-197.92MCNYFY2025 · Dec 31, 2025Net Financing Cash Flow
-16.89MCNYFY2025 · Dec 31, 2025Shares Outstanding
798.74MSharesUpdated Aug 21, 2026Float Shares
345.28MSharesUpdated Aug 21, 2026% Held by Insiders
51.67%vs all stocks
% Held by Institutions
0.77%vs all stocks
Total Cash (MRQ)
2.16BCNY321.95M · vs all stocks (USD)
Total Cash per Share (MRQ)
2.87CNYUpdated Aug 21, 2026Total Debt (MRQ)
2.97BCNY441.79M · vs all stocks (USD)
Total Debt to Equity (MRQ)
1.82xvs Credit Services peers
Current Ratio (MRQ)
0.7290xvs Credit Services peers
Book Value per Share (MRQ)
2.16CNYUpdated Aug 21, 2026Total Assets
6.12BCNY910.66M · vs all stocks (USD)
Total Current Assets
2.38BCNYFY2025 · Dec 31, 2025Total Liabilities
4.46BCNYFY2025 · Dec 31, 2025Total Non-current Assets
3.75BCNYFY2025 · Dec 31, 2025Total Non-current Liabilities
885.12MCNYFY2025 · Dec 31, 2025Total Current Liabilities
3.58BCNYFY2025 · Dec 31, 2025Cash
986.07MCNYFY2025 · Dec 31, 2025Cash Equivalents
1.15BCNYFY2025 · Dec 31, 2025Cash & Cash Equivalents
2.13BCNYFY2025 · Dec 31, 2025Accounts Receivable
37.23MCNYFY2025 · Dec 31, 2025Inventory
97.12MCNYFY2025 · Dec 31, 2025Accounts Payable
149.03MCNYFY2025 · Dec 31, 2025Short-term Debt
1.89BCNYFY2025 · Dec 31, 2025Other Current Liabilities
65.13MCNYFY2025 · Dec 31, 2025Long-term Debt
873.51MCNYFY2025 · Dec 31, 2025Common Stock (Book)
798.74MCNYFY2025 · Dec 31, 2025Retained Earnings
-1.32BCNYFY2025 · Dec 31, 2025Total Shareholders' Equity
1.66BCNY246.69M · vs all stocks (USD)
Treasury Stock
44.14MCNYFY2025 · Dec 31, 202552-Week Low
7.56CNYUpdated Aug 21, 202652-Week High
17.63CNYUpdated Aug 21, 202652-Week Change
-40.87%vs all stocks
Beta
0.2800xvs all stocks
50-Day MA
8.74CNYUpdated Aug 21, 2026200-Day MA
11.59CNYUpdated Aug 21, 2026Avg 10-Day Volume
34.44MSharesUpdated Aug 21, 2026Avg 30-Day Volume
32.88MSharesUpdated Aug 21, 2026Diluted EPS (TTM)
-0.5700CNYUpdated Aug 21, 20261 interpretation currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow does this company use capital?
Three Turnover Ratios Elevated
Collects fast, clears inventory fast, and pays suppliers fast too.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Gross margin is 22.2%, lower than 95% of its Credit Services peers (median 48.8%)Significant
Gross margin: 0.22Industry median: 0.49Industry P5: 0.28Peers compared: 72.00
Operating margin is -11.3%, lower than 95% of its Credit Services peers (median 25.6%)Significant
Operating margin: -0.11Industry median: 0.26Industry P5: 0.02Peers compared: 72.00
Profit margin is -18.7%, lower than 95% of its Credit Services peers (median 18.1%)Significant
Profit margin: -0.19Industry median: 0.18Industry P5: -0.09Peers compared: 72.00
Return on equity is -23.5%, lower than 95% of its Credit Services peers (median 10.9%)Significant
Return on equity: -0.23Industry median: 0.11Industry P5: -0.09Peers compared: 72.00
Return on assets is -3.8%, lower than 95% of its Credit Services peers (median 2.4%)Significant
Return on assets: -0.04Industry median: 0.02Industry P5: -0.02Peers compared: 72.00
Current ratio is 0.73×, lower than 95% of its Credit Services peers (median 1.56×)Significant
Current ratio: 0.73Industry median: 1.56Industry P5: 0.83Peers compared: 72.00
Structural Tensions
Most companies in its industry are risk businesses; this one is an interface businessSignificant
Industry peers: 109Share on the common pattern %: 89.00
Significant cash reserves alongside high leverageNotable
Cash (USD): 321,945,909.903Total Debt (USD): 441,790,732.616Debt-to-Equity: 1.82
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
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Tier 1InterfaceSpread-Based LeverageSenseMakingFlow
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Tier 1InterfaceSpread-Based LeverageRiskFlow
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Tier 1InterfaceSpread-Based LeverageFlowRisk
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Tier 1InterfaceSpread-Based LeverageRiskFlow
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Tier 2InterfaceSpread-Based LeverageRiskSenseMaking
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Tier 3InterfaceRecurring-Revenue Lock-InFlowSenseMaking
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Tier 3InterfaceUnit ReplicationRiskFlow
Jac Recruitment Co., Ltd.
Tier 3InterfacePlatform IntermediationFlowRisk
Companies that share active interpretations — structural patterns currently present in both stocks.
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1 interpretationThree Turnover Ratios Elevated
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