CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis
USA - NYSE:CNF - US18979T1051 - ADR
4.998 USD
+0.18 (+3.69%)
Taking everything into account, CNF scores 1 out of 10 in our fundamental rating. CNF was compared to 98 industry peers in the Financial Services industry. Both the profitability and financial health of CNF have multiple concerns. CNF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year CNF was profitable.
CNF had positive earnings in each of the past 5 years.
CNF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CNF (0.30%) is worse than 65.66% of its industry peers.
With a Return On Equity value of 0.94%, CNF is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
CNF has a Return On Invested Capital of 0.31%. This is in the lower half of the industry: CNF underperforms 67.68% of its industry peers.
CNF had an Average Return On Invested Capital over the past 3 years of 0.74%. This is significantly below the industry average of 7.79%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 0.94% | ||
| ROIC | 0.31% |
ROA(3y)0.74%
ROA(5y)0.71%
ROE(3y)2.87%
ROE(5y)2.64%
ROIC(3y)0.74%
ROIC(5y)0.79%
1.3 Margins
With a Profit Margin value of 2.37%, CNF is not doing good in the industry: 62.63% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CNF has declined.
With a Operating Margin value of 3.00%, CNF is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
CNF's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 34.60%, CNF is in line with its industry, outperforming 51.52% of the companies in the same industry.
CNF's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
CNF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
CNF has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, CNF has about the same amount of shares outstanding.
CNF has a better debt/assets ratio than last year.
2.2 Solvency
CNF has an Altman-Z score of 0.50. 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 0.50, CNF is in line with its industry, outperforming 50.51% of the companies in the same industry.
CNF has a Debt/Equity ratio of 1.32. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.32, CNF perfoms like the industry average, outperforming 40.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.5 |
ROIC/WACC0.04
WACC7.66%
2.3 Liquidity
A Current Ratio of 0.33 indicates that CNF may have some problems paying its short term obligations.
CNF's Current ratio of 0.33 is on the low side compared to the rest of the industry. CNF is outperformed by 67.68% of its industry peers.
A Quick Ratio of 0.33 indicates that CNF may have some problems paying its short term obligations.
CNF has a Quick ratio of 0.33. This is in the lower half of the industry: CNF underperforms 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 |
3. Growth
3.1 Past
CNF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.44%.
The earnings per share for CNF have been decreasing by -11.65% on average. This is quite bad
Looking at the last year, CNF shows a very negative growth in Revenue. The Revenue has decreased by -12.83% in the last year.
CNF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.98% yearly.
EPS 1Y (TTM)-75.44%
EPS 3Y58.74%
EPS 5Y-11.65%
EPS Q2Q%-175%
Revenue 1Y (TTM)-12.83%
Revenue growth 3Y94.77%
Revenue growth 5Y28.98%
Sales Q2Q%-59.6%
3.2 Future
Based on estimates for the next years, CNF will show a very negative growth in Earnings Per Share. The EPS will decrease by -73.58% on average per year.
CNF is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -31.48% yearly.
EPS Next Y-80%
EPS Next 2Y-73.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.09%
Revenue Next 2Y-31.48%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 62.48, CNF can be considered very expensive at the moment.
72.73% of the companies in the same industry are cheaper than CNF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CNF to the average of the S&P500 Index (26.11), we can say CNF is valued expensively.
With a Price/Forward Earnings ratio of 504.50, 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 79.80% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CNF to the average of the S&P500 Index (22.55), we can say CNF is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.48 | ||
| Fwd PE | 504.5 |
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 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 91.98 |
4.3 Compensation for Growth
CNF's earnings are expected to decrease with -73.58% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-73.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CNF does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CNF (10/31/2025, 8:04:00 PM)
4.998
+0.18 (+3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners20.5%
Inst Owner Change-0.81%
Ins Owners2.18%
Ins Owner ChangeN/A
Market Cap342.77M
Revenue(TTM)1.60B
Net Income(TTM)38.00M
Analysts80
Price Target20.4 (308.16%)
Short Float %1.09%
Short Ratio0.3
Dividend
| Industry Rank | Sector 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)300%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.48 | ||
| Fwd PE | 504.5 | ||
| P/S | 1.52 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 91.98 |
EPS(TTM)0.08
EY1.6%
EPS(NY)0.01
Fwd EY0.2%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.28
BVpS8.26
TBVpS8.25
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 0.94% | ||
| ROCE | 0.48% | ||
| ROIC | 0.31% | ||
| ROICexc | 0.31% | ||
| ROICexgc | 0.31% | ||
| OM | 3% | ||
| PM (TTM) | 2.37% | ||
| GM | 34.6% | ||
| FCFM | N/A |
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%
ROICexgc growth 3Y-31.58%
ROICexgc 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-ScoreN/A
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 88.41 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 | ||
| Altman-Z | 0.5 |
F-ScoreN/A
WACC7.66%
ROIC/WACC0.04
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)-75.44%
EPS 3Y58.74%
EPS 5Y-11.65%
EPS Q2Q%-175%
EPS Next Y-80%
EPS Next 2Y-73.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.83%
Revenue growth 3Y94.77%
Revenue growth 5Y28.98%
Sales Q2Q%-59.6%
Revenue Next Year13.09%
Revenue Next 2Y-31.48%
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%
CNFINANCE HOLDINGS LTD / CNF FAQ
What is the ChartMill fundamental rating of CNFINANCE HOLDINGS LTD (CNF) stock?
ChartMill assigns a fundamental rating of 1 / 10 to CNF.
What is the valuation status of CNFINANCE HOLDINGS LTD (CNF) stock?
ChartMill assigns a valuation rating of 0 / 10 to CNFINANCE HOLDINGS LTD (CNF). This can be considered as Overvalued.
What is the profitability of CNF stock?
CNFINANCE HOLDINGS LTD (CNF) has a profitability rating of 2 / 10.
What is the expected EPS growth for CNFINANCE HOLDINGS LTD (CNF) stock?
The Earnings per Share (EPS) of CNFINANCE HOLDINGS LTD (CNF) is expected to decline by -80% in the next year.