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Side-by-side financial comparison of Pintec Technology Holdings Ltd (JF) and ATIF Holdings Ltd (ZBAI). 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 $250.0K, roughly 1.2× ATIF Holdings Ltd). Pintec Technology Holdings Ltd runs the higher net margin — -31.0% vs -635.6%, a 604.6% 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.
ATIF Holdings Ltd is a professional business advisory service provider that mainly serves small and medium-sized enterprises across the Asia-Pacific region. It offers corporate strategic consulting, fundraising guidance, cross-border expansion support, and industry resource matching services for clients in technology, consumer goods, manufacturing and other key sectors.
JF vs ZBAI — Head-to-Head
Income Statement — Q2 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $295.2K | $250.0K |
| Net Profit | $-91.6K | $-1.6M |
| Gross Margin | 60.9% | — |
| Operating Margin | -47.2% | -75.6% |
| Net Margin | -31.0% | -635.6% |
| Revenue YoY | — | 25.0% |
| Net Profit YoY | — | -96.8% |
| EPS (diluted) | $0.00 | $-0.09 |
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.
| Q2 25 | $295.2K | $250.0K | ||
| Q1 25 | — | $200.0K | ||
| Q3 24 | — | $270.0K | ||
| Q2 24 | $289.0K | $200.0K | ||
| Q1 24 | — | $25.0K | ||
| Q4 23 | — | $125.0K | ||
| Q3 23 | — | $-1.2M | ||
| Q2 23 | — | $300.0K |
| Q2 25 | $-91.6K | $-1.6M | ||
| Q1 25 | — | $-1.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | $-161.6K | $-807.6K | ||
| Q1 24 | — | $-407.6K | ||
| Q4 23 | — | $-625.5K | ||
| Q3 23 | — | $-3.2M | ||
| Q2 23 | — | $-335.8K |
| Q2 25 | 60.9% | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 59.6% | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — | ||
| Q2 23 | — | — |
| Q2 25 | -47.2% | -75.6% | ||
| Q1 25 | — | -175.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | -51.1% | -260.6% | ||
| Q1 24 | — | -2190.1% | ||
| Q4 23 | — | -525.4% | ||
| Q3 23 | — | 103.9% | ||
| Q2 23 | — | -200.6% |
| Q2 25 | -31.0% | -635.6% | ||
| Q1 25 | — | -951.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | -55.9% | -403.8% | ||
| Q1 24 | — | -1630.6% | ||
| Q4 23 | — | -500.4% | ||
| Q3 23 | — | 275.2% | ||
| Q2 23 | — | -111.9% |
| Q2 25 | $0.00 | $-0.09 | ||
| Q1 25 | — | $-0.16 | ||
| Q3 24 | — | — | ||
| Q2 24 | $0.00 | $-0.08 | ||
| Q1 24 | — | $-0.04 | ||
| Q4 23 | — | $-0.06 | ||
| Q3 23 | — | $-0.34 | ||
| Q2 23 | — | $-0.03 |
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 | $7.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | — | $8.4M |
| Total Assets | $1.9M | $8.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q2 25 | $653.0K | $7.8M | ||
| Q1 25 | — | $8.0M | ||
| Q3 24 | — | $1.7M | ||
| Q2 24 | $863.7K | $2.3M | ||
| Q1 24 | — | $139.2K | ||
| Q4 23 | — | $361.2K | ||
| Q3 23 | — | $736.7K | ||
| Q2 23 | — | $467.6K |
| Q2 25 | — | $8.4M | ||
| Q1 25 | — | $7.9M | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $3.1M | ||
| Q1 24 | — | $506.3K | ||
| Q4 23 | — | $913.9K | ||
| Q3 23 | — | $1.5M | ||
| Q2 23 | — | $4.8M |
| Q2 25 | $1.9M | $8.7M | ||
| Q1 25 | — | $8.6M | ||
| Q3 24 | — | $3.0M | ||
| Q2 24 | $2.2M | $3.3M | ||
| Q1 24 | — | $2.5M | ||
| Q4 23 | — | $3.0M | ||
| Q3 23 | — | $3.8M | ||
| Q2 23 | — | $8.2M |
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 | — | $-939.0K |
| 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.
| Q2 25 | — | $-939.0K | ||
| Q1 25 | — | $-395.1K | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-62.6K | ||
| Q1 24 | — | $-212.8K | ||
| Q4 23 | — | $195.4K | ||
| Q3 23 | — | $-972.8K | ||
| Q2 23 | — | $-606.4K |
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $-213.5K | ||
| Q4 23 | — | $191.0K | ||
| Q3 23 | — | $-980.3K | ||
| Q2 23 | — | $-607.3K |
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -854.1% | ||
| Q4 23 | — | 152.8% | ||
| Q3 23 | — | 83.1% | ||
| Q2 23 | — | -202.4% |
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 3.0% | ||
| Q4 23 | — | 3.5% | ||
| Q3 23 | — | -0.6% | ||
| Q2 23 | — | 0.3% |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
