JOCOM HOLDINGS CORP. Annual Report - How They Did This Year

I am writing this guide to help you understand JOCOM Holdings Corp.’s performance. My goal is to cut through the corporate jargon so you can decide if this company belongs in your portfolio.

1. What does this company do?

JOCOM is a Malaysian tech company. They operate the "JOCOM AI Smart Platform," a subscription service that uses predictive data to help grocery stores track buying habits and manage inventory. Beyond software, they act as a digital marketplace connecting local suppliers to shoppers. They also manage the logistics process, including picking, sorting, and delivering groceries in cold storage.

2. Recent Business Changes

• Leadership Shift: Dr. Jimmy Loke became CEO and CFO on August 1, 2025. His strategy focuses on stabilizing the company’s finances and transitioning the business into a diversified holding company.
• Expansion Strategy: The company is pursuing growth through acquisitions. They are currently negotiating a deal with a Chinese biotech firm to secure more stable, recurring income streams.
• Lean Operations: As of December 31, 2025, the company operates with two full-time employees. This structure minimizes overhead, though it concentrates operational responsibility within a very small team.

3. Competitive Positioning

JOCOM targets health-conscious consumers by focusing on organic and local produce. By working directly with suppliers, they aim for a 20% profit margin on goods sold. Their primary competitive advantage is a specialized cold-storage network that maintains food quality and supports their service fees.

4. Financial Health & Risks

JOCOM is an early-stage company with limited cash reserves.

• Stock Status: The stock trades on the OTC Markets as "JOCM." Because it is a penny stock, brokers require a written suitability statement from investors before trading. This results in low trading volume and wider price gaps, which can impact the ability to enter or exit positions.
• No Dividends: The company has a history of losses and has not paid dividends. Capital is currently prioritized for daily operations and potential acquisitions.
• Cybersecurity: The company manages sensitive customer data and utilizes external consultants to maintain their security framework.
• Revenue Concentration: A significant portion of revenue is derived from a small group of users. Growth depends heavily on expanding this user base and successfully closing the biotech acquisition.

5. The Bottom Line

JOCOM is currently in a transition phase. While the new leadership has a clear plan to pivot through acquisitions, the company remains a lean operation with low stock liquidity. When evaluating this as an investment, watch for the company’s ability to fund operations without diluting shareholders through new share issuance, as well as their progress in finalizing the biotech deal. These milestones are essential for moving the company toward a more sustainable financial footing.