Logo image of CNF

CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis

NYSE:CNF - New York Stock Exchange, Inc. - US18979T1051 - ADR - Currency: USD

0.569  +0.05 (+9.44%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CNF. CNF was compared to 99 industry peers in the Financial Services industry. CNF may be in some trouble as it scores bad on both profitability and health. CNF has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

CNF had positive earnings in the past year.
In the past year CNF had a positive cash flow from operations.
CNF had positive earnings in each of the past 5 years.
In the past 5 years CNF always reported a positive cash flow from operatings.
CNF Yearly Net Income VS EBIT VS OCF VS FCFCNF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

1.2 Ratios

With a Return On Assets value of 0.25%, CNF is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
With a Return On Equity value of 0.94%, CNF is not doing good in the industry: 71.72% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.25%, CNF is doing worse than 70.71% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CNF is significantly below the industry average of 11.83%.
Industry RankSector Rank
ROA 0.25%
ROE 0.94%
ROIC 0.25%
ROA(3y)0.74%
ROA(5y)0.71%
ROE(3y)2.87%
ROE(5y)2.64%
ROIC(3y)0.74%
ROIC(5y)0.79%
CNF Yearly ROA, ROE, ROICCNF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

CNF has a worse Profit Margin (2.37%) than 70.71% of its industry peers.
In the last couple of years the Profit Margin of CNF has declined.
CNF has a worse Operating Margin (3.00%) than 72.73% of its industry peers.
In the last couple of years the Operating Margin of CNF has declined.
CNF has a Gross Margin (34.60%) which is comparable to the rest of the industry.
CNF's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3%
PM (TTM) 2.37%
GM 34.6%
OM growth 3Y-26.58%
OM growth 5Y-34.1%
PM growth 3Y-20.14%
PM growth 5Y-32.75%
GM growth 3Y34.97%
GM growth 5Y-7.86%
CNF Yearly Profit, Operating, Gross MarginsCNF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

More info and screens

2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CNF is destroying value.
CNF has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for CNF remains at a similar level compared to 5 years ago.
The debt/assets ratio for CNF has been reduced compared to a year ago.
CNF Yearly Shares OutstandingCNF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
CNF Yearly Total Debt VS Total AssetsCNF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

Based on the Altman-Z score of 0.37, we must say that CNF is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.37, CNF perfoms like the industry average, outperforming 48.48% of the companies in the same industry.
The Debt to FCF ratio of CNF is 10.15, which is on the high side as it means it would take CNF, 10.15 years of fcf income to pay off all of its debts.
CNF's Debt to FCF ratio of 10.15 is in line compared to the rest of the industry. CNF outperforms 53.54% of its industry peers.
CNF has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
CNF's Debt to Equity ratio of 1.87 is on the low side compared to the rest of the industry. CNF is outperformed by 61.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF 10.15
Altman-Z 0.37
ROIC/WACC0.03
WACC7.41%
CNF Yearly LT Debt VS Equity VS FCFCNF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

A Current Ratio of 0.61 indicates that CNF may have some problems paying its short term obligations.
With a Current ratio value of 0.61, CNF is not doing good in the industry: 60.61% of the companies in the same industry are doing better.
CNF has a Quick Ratio of 0.61. This is a bad value and indicates that CNF is not financially healthy enough and could expect problems in meeting its short term obligations.
CNF has a worse Quick ratio (0.61) than 60.61% of its industry peers.
Industry RankSector Rank
Current Ratio 0.61
Quick Ratio 0.61
CNF Yearly Current Assets VS Current LiabilitesCNF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

More info and screens

2

3. Growth

3.1 Past

CNF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -72.73%.
CNF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.71% yearly.
Looking at the last year, CNF shows a very negative growth in Revenue. The Revenue has decreased by -12.83% in the last year.
The Revenue has been growing by 28.98% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-72.73%
EPS 3Y44.23%
EPS 5Y-9.71%
EPS Q2Q%-200%
Revenue 1Y (TTM)-12.83%
Revenue growth 3Y94.77%
Revenue growth 5Y28.98%
Sales Q2Q%35.91%

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 Y100%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.09%
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.
CNF Yearly Revenue VS EstimatesCNF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
CNF Yearly EPS VS EstimatesCNF Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.32, the valuation of CNF can be described as very cheap.
CNF's Price/Earnings ratio is rather cheap when compared to the industry. CNF is cheaper than 86.87% of the companies in the same industry.
When comparing the Price/Earnings ratio of CNF to the average of the S&P500 Index (26.34), we can say CNF is valued rather cheaply.
A Price/Forward Earnings ratio of 20.25 indicates a rather expensive valuation of CNF.
64.65% of the companies in the same industry are cheaper than CNF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CNF to the average of the S&P500 Index (22.19), we can say CNF is valued inline with the index average.
Industry RankSector Rank
PE 6.32
Fwd PE 20.25
CNF Price Earnings VS Forward Price EarningsCNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CNF indicates a slightly more expensive valuation: CNF is more expensive than 70.71% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, CNF is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.37
EV/EBITDA 103.63
CNF Per share dataCNF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

CNF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

CNF does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

CNFINANCE HOLDINGS LTD

NYSE:CNF (6/18/2025, 8:04:00 PM)

0.569

+0.05 (+9.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)N/A N/A
Inst Owners19.51%
Inst Owner Change7.2%
Ins Owners2.18%
Ins Owner ChangeN/A
Market Cap39.02M
Analysts80
Price Target5.1 (796.31%)
Short Float %3.83%
Short Ratio0.66
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.32
Fwd PE 20.25
P/S 0.18
P/FCF 0.37
P/OCF 0.37
P/B 0.07
P/tB 0.07
EV/EBITDA 103.63
EPS(TTM)0.09
EY15.82%
EPS(NY)0.03
Fwd EY4.94%
FCF(TTM)1.52
FCFY267.03%
OCF(TTM)1.54
OCFY269.86%
SpS3.25
BVpS8.23
TBVpS8.22
PEG (NY)0.06
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 0.94%
ROCE 0.37%
ROIC 0.25%
ROICexc 0.25%
ROICexgc 0.25%
OM 3%
PM (TTM) 2.37%
GM 34.6%
FCFM 46.79%
ROA(3y)0.74%
ROA(5y)0.71%
ROE(3y)2.87%
ROE(5y)2.64%
ROIC(3y)0.74%
ROIC(5y)0.79%
ROICexc(3y)0.84%
ROICexc(5y)0.92%
ROICexgc(3y)0.95%
ROICexgc(5y)1.02%
ROCE(3y)0.98%
ROCE(5y)1.05%
ROICexcg growth 3Y-31.58%
ROICexcg growth 5Y-45.76%
ROICexc growth 3Y-28.06%
ROICexc growth 5Y-45.55%
OM growth 3Y-26.58%
OM growth 5Y-34.1%
PM growth 3Y-20.14%
PM growth 5Y-32.75%
GM growth 3Y34.97%
GM growth 5Y-7.86%
F-Score6
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF 10.15
Debt/EBITDA 126.79
Cap/Depr 66.25%
Cap/Sales 0.5%
Interest Coverage 0.06
Cash Conversion 1262.51%
Profit Quality 1971.18%
Current Ratio 0.61
Quick Ratio 0.61
Altman-Z 0.37
F-Score6
WACC7.41%
ROIC/WACC0.03
Cap/Depr(3y)3701.45%
Cap/Depr(5y)2251.98%
Cap/Sales(3y)3.87%
Cap/Sales(5y)2.41%
Profit Quality(3y)1182.79%
Profit Quality(5y)1115.11%
High Growth Momentum
Growth
EPS 1Y (TTM)-72.73%
EPS 3Y44.23%
EPS 5Y-9.71%
EPS Q2Q%-200%
EPS Next Y100%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.83%
Revenue growth 3Y94.77%
Revenue growth 5Y28.98%
Sales Q2Q%35.91%
Revenue Next Year13.09%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-76.74%
EBIT growth 3Y43%
EBIT growth 5Y-15%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-52.92%
FCF growth 3Y91.72%
FCF growth 5Y31.92%
OCF growth 1Y-55.63%
OCF growth 3Y92.03%
OCF growth 5Y32.11%