Pintec Technology Holdings Stock Price, News & Analysis
Company Description
Pintec Technology Holdings Limited (NASDAQ: PT) is a Nasdaq-listed technology company that provides financial and digital services to micro, small, and medium enterprises. According to the company’s public statements, it operates an open platform that connects business partners and financial institutions and enables them to provide efficient, technology-driven financial services to end users. The company has described itself as a technology platform committed to enabling financial and digital solutions for businesses across international markets.
In January 2026, Pintec announced that its American depositary shares would begin trading on the Nasdaq Global Market under the new name J and Friends Holdings Limited and new ticker symbol JF, effective January 16, 2026. The company stated that no action was required from shareholders in connection with this corporate name and ticker symbol change and that its CUSIP number would remain unchanged. Pintec also indicated that these changes were not expected to have a material impact on its existing business operations or financial condition and were intended to reflect a renewed focus on its core values and long-term development strategy.
The company’s platform business model is described as connecting business partners and financial partners so they can offer financial services to end users. Pintec has stated that it empowers business partners by giving them the capability to add a financing option to their product offerings and helps financial partners adapt to the digital economy by enabling them to access online customer groups more efficiently. Through this model, Pintec positions itself as a technology enabler rather than a traditional financial institution.
In its public disclosures, Pintec has also highlighted that it continues to deliver digitization services and diversified financial products using technology. The company has stated that it provides technology enabled financial and digital services to micro, small, and medium enterprises in China and, in some descriptions, has emphasized that its solutions and services are aimed at businesses worldwide. It has further indicated that it seeks to strengthen partnerships with business partners and financial institutions and to meet client needs in the digital economy.
Pintec has disclosed that it facilitates loans and earns revenues from technical service fees, installment service fees, and wealth management service fees and commissions on financial products. In earlier descriptions, it has noted that its products include installment loans, personal loans, wealth management, insurance brokerage, SME loans, and other financial offerings. The company has also stated that it currently holds an internet micro lending license, a fund distribution license, an insurance brokerage license, and an enterprise credit investigation license in China, which support its ability to participate in various segments of the financial services value chain.
In its financial communications, Pintec has described itself as a technology-enabled platform that focuses on operational efficiency, risk management, and cost control while serving micro, small, and medium enterprises. It has reported facilitating loans and tracking delinquency rates by balance for loans facilitated through its platform. The company has also discussed its use of non-GAAP financial measures such as adjusted net income or loss as a supplemental metric for evaluating operating performance, while noting that such measures have limitations and are not a substitute for U.S. GAAP results.
Pintec’s public statements also reference international expansion and the role of its subsidiary ZIITECH PTY LTD. The company has disclosed transactions through which it obtained an equity interest in ZIITECH and consolidated ZIITECH’s financial statements pursuant to shareholder agreements. It has noted that ZIITECH participates in fintech-related events and focuses on technology that supports small and medium-sized enterprises, which aligns with Pintec’s broader emphasis on financial digitization and support for business customers.
With the transition of its listed name and ticker from Pintec Technology Holdings Limited (PT) to J and Friends Holdings Limited (JF), the PT symbol represents the historical identity of the company up to the effective date of the change. Investors researching PT are effectively looking at the same underlying issuer that continues under the J and Friends brand and the JF ticker on the Nasdaq Global Market, as described in the company’s January 2026 announcement.