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Side-by-side financial comparison of Pintec Technology Holdings Ltd (JF) and Rafael Holdings, Inc. (RFL). Click either name above to swap in a different company.
Pintec Technology Holdings Ltd is the larger business by last-quarter revenue ($295.2K vs $240.0K, roughly 1.2× Rafael Holdings, Inc.). Pintec Technology Holdings Ltd runs the higher net margin — -31.0% vs -4090.0%, a 4059.0% gap on every dollar of revenue.
Pintec Technology Holdings Ltd is a fintech SaaS provider offering end-to-end digital financial solutions. Its core services include intelligent risk management, digital lending facilitation, and wealth management tools, serving banks, consumer finance firms and e-commerce platforms primarily in the Chinese market.
Rafael Advanced Defense Systems Ltd. is an Israeli defense technology company. It was founded as Israel's National R&D Defense Laboratory for the development of weapons and military technology within the Israeli Ministry of Defense; in 2002 it was incorporated as a limited company.
JF vs RFL — Head-to-Head
Income Statement — Q2 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $295.2K | $240.0K |
| Net Profit | $-91.6K | $-9.8M |
| Gross Margin | 60.9% | — |
| Operating Margin | -47.2% | -4225.4% |
| Net Margin | -31.0% | -4090.0% |
| Revenue YoY | — | 87.5% |
| Net Profit YoY | — | -9.0% |
| EPS (diluted) | $0.00 | $-0.19 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $240.0K | ||
| Q2 25 | $295.2K | — | ||
| Q3 24 | — | $165.0K | ||
| Q2 24 | $289.0K | $336.0K | ||
| Q1 24 | — | $68.0K | ||
| Q4 23 | — | $68.0K | ||
| Q3 23 | — | $68.0K | ||
| Q2 23 | — | $71.0K |
| Q4 25 | — | $-9.8M | ||
| Q2 25 | $-91.6K | — | ||
| Q3 24 | — | $-4.5M | ||
| Q2 24 | $-161.6K | $-32.4M | ||
| Q1 24 | — | $6.0M | ||
| Q4 23 | — | $-3.6M | ||
| Q3 23 | — | $1.2M | ||
| Q2 23 | — | $-1.4M |
| Q4 25 | — | — | ||
| Q2 25 | 60.9% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 59.6% | 74.7% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — | ||
| Q2 23 | — | — |
| Q4 25 | — | -4225.4% | ||
| Q2 25 | -47.2% | — | ||
| Q3 24 | — | -2330.3% | ||
| Q2 24 | -51.1% | -27726.5% | ||
| Q1 24 | — | -4622.1% | ||
| Q4 23 | — | -3644.1% | ||
| Q3 23 | — | -3839.7% | ||
| Q2 23 | — | -4269.0% |
| Q4 25 | — | -4090.0% | ||
| Q2 25 | -31.0% | — | ||
| Q3 24 | — | -2707.9% | ||
| Q2 24 | -55.9% | -9628.3% | ||
| Q1 24 | — | 8892.6% | ||
| Q4 23 | — | -5350.0% | ||
| Q3 23 | — | 1792.6% | ||
| Q2 23 | — | -2023.9% |
| Q4 25 | — | $-0.19 | ||
| Q2 25 | $0.00 | — | ||
| Q3 24 | — | $-0.19 | ||
| Q2 24 | $0.00 | $-1.36 | ||
| Q1 24 | — | $0.25 | ||
| Q4 23 | — | $-0.15 | ||
| Q3 23 | — | $0.05 | ||
| Q2 23 | — | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $653.0K | $45.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | — | $85.2M |
| Total Assets | $1.9M | $105.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $45.5M | ||
| Q2 25 | $653.0K | — | ||
| Q3 24 | — | $2.7M | ||
| Q2 24 | $863.7K | $7.4M | ||
| Q1 24 | — | $7.1M | ||
| Q4 23 | — | $13.2M | ||
| Q3 23 | — | $21.5M | ||
| Q2 23 | — | $15.4M |
| Q4 25 | — | $85.2M | ||
| Q2 25 | — | — | ||
| Q3 24 | — | $82.2M | ||
| Q2 24 | — | $86.1M | ||
| Q1 24 | — | $104.9M | ||
| Q4 23 | — | $98.2M | ||
| Q3 23 | — | $100.3M | ||
| Q2 23 | — | $98.5M |
| Q4 25 | — | $105.4M | ||
| Q2 25 | $1.9M | — | ||
| Q3 24 | — | $96.8M | ||
| Q2 24 | $2.2M | $101.6M | ||
| Q1 24 | — | $106.1M | ||
| Q4 23 | — | $95.5M | ||
| Q3 23 | — | $98.8M | ||
| Q2 23 | — | $96.4M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-6.8M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-6.8M | ||
| Q2 25 | — | — | ||
| Q3 24 | — | $-2.9M | ||
| Q2 24 | — | $-251.0K | ||
| Q1 24 | — | $-2.5M | ||
| Q4 23 | — | $-2.1M | ||
| Q3 23 | — | $-1.4M | ||
| Q2 23 | — | $-1.3M |
| Q4 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-375.0K | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — | ||
| Q2 23 | — | — |
| Q4 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -111.6% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — | ||
| Q2 23 | — | — |
| Q4 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 36.9% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — | ||
| Q2 23 | — | — |
| Q4 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -0.42× | ||
| Q4 23 | — | — | ||
| Q3 23 | — | -1.19× | ||
| Q2 23 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
