CNFINANCE HOLDINGS LTD (CNF)
US18979T1051 - ADR
We assign a fundamental rating of 3 out of 10 to CNF. CNF was compared to 102 industry peers in the Financial Services industry. CNF has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, CNF is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year CNF was profitable.
In the past 5 years CNF has always been profitable.
Of the past 5 years CNF 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.75%, CNF is in line with its industry, outperforming 45.10% of the companies in the same industry.
CNF's Return On Equity of 3.06% is on the low side compared to the rest of the industry. CNF is outperformed by 61.76% of its industry peers.
CNF's Return On Invested Capital of 0.73% is on the low side compared to the rest of the industry. CNF is outperformed by 60.78% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CNF is significantly below the industry average of 7.90%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 3.06% | ||
| ROIC | 0.73% |
ROA(3y)0.8%
ROA(5y)1.49%
ROE(3y)3.12%
ROE(5y)5.44%
ROIC(3y)0.86%
ROIC(5y)1.68%
1.3 Margins
CNF has a Profit Margin (8.66%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CNF has declined.
CNF has a Operating Margin (10.49%) which is in line with its industry peers.
CNF's Operating Margin has declined in the last couple of years.
The Gross Margin of CNF (40.77%) is better than 62.75% of its industry peers.
CNF's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.49% | ||
| PM (TTM) | 8.66% | ||
| GM | 40.77% |
OM growth 3Y6.66%
OM growth 5Y-16.17%
PM growth 3Y16.76%
PM growth 5Y-14.93%
GM growth 3Y-1.34%
GM growth 5Y-5.15%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CNF is destroying value.
CNF has a worse debt/assets ratio than last year.
2.2 Solvency
CNF has an Altman-Z score of 0.51. This is a bad value and indicates that CNF is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.51, CNF is in line with its industry, outperforming 51.96% of the companies in the same industry.
A Debt/Equity ratio of 2.22 is on the high side and indicates that CNF has dependencies on debt financing.
CNF has a worse Debt to Equity ratio (2.22) than 72.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.51 |
ROIC/WACC0.14
WACC5.1%
2.3 Liquidity
A Current Ratio of 2.18 indicates that CNF has no problem at all paying its short term obligations.
CNF has a better Current ratio (2.18) than 80.39% of its industry peers.
CNF has a Quick Ratio of 2.18. This indicates that CNF is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of CNF (2.18) is better than 80.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.18 | ||
| Quick Ratio | 2.18 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 1000.00% over the past year.
Measured over the past 5 years, CNF shows a small growth in Earnings Per Share. The EPS has been growing by 4.10% on average per year.
The Revenue has grown by 412.79% in the past year. This is a very strong growth!
Measured over the past years, CNF shows a very strong growth in Revenue. The Revenue has been growing by 23.19% on average per year.
EPS 1Y (TTM)1000%
EPS 3Y122.4%
EPS 5Y4.1%
EPS growth Q2QN/A
Revenue 1Y (TTM)412.79%
Revenue growth 3Y84.01%
Revenue growth 5Y23.19%
Revenue growth Q2Q541.73%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-90.78%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.56%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.30, which indicates a rather cheap valuation of CNF.
CNF's Price/Earnings ratio is rather cheap when compared to the industry. CNF is cheaper than 94.12% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.83. CNF is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 67.73, CNF can be considered very expensive at the moment.
CNF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CNF is more expensive than 71.57% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.32. CNF is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.3 | ||
| Fwd PE | 67.73 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.54
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CNF!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CNFINANCE HOLDINGS LTD
NYSE:CNF (4/18/2024, 10:12:34 AM)
1.89
+0.02 (+1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap129.62M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.3 | ||
| Fwd PE | 67.73 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 3.06% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 10.49% | ||
| PM (TTM) | 8.66% | ||
| GM | 40.77% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.22 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.18 | ||
| Quick Ratio | 2.18 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)1000%
EPS 3Y122.4%
EPS 5Y
EPS growth Q2Q
EPS Next Y-90.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)412.79%
Revenue growth 3Y84.01%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y