CNF Fundamental Analysis - CNFINANCE HOLDINGS LTD

Fundamental Rating

We assign a fundamental rating of 1 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 expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year CNF was profitable.

CNF had positive earnings in each of the past 5 years.

Each year in the past 5 years CNF had a positive operating cash flow.

1.2 Ratios

CNF has a Return On Assets of 0.30%. This is in the lower half of the industry: CNF underperforms 66.67% of its industry peers.

CNF has a Return On Equity of 0.94%. This is in the lower half of the industry: CNF underperforms 68.69% of its industry peers.

CNF's Return On Invested Capital of 0.31% is on the low side compared to the rest of the industry. CNF is outperformed by 69.70% 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 7.66%.

		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

CNF has a worse Profit Margin (2.37%) than 64.65% of its industry peers.

CNF's Profit Margin has declined in the last couple of years.

With a Operating Margin value of 3.00%, CNF is not doing good in the industry: 70.71% of the companies in the same industry are doing better.

CNF's Operating Margin has declined in the last couple of years.

CNF has a Gross Margin (34.60%) which is in line with its industry peers.

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, CNF has about the same amount of shares outstanding.

Compared to 5 years ago, CNF has about the same amount of shares outstanding.

The debt/assets ratio for CNF has been reduced compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 0.50, we must say that CNF is in the distress zone and has some risk of bankruptcy.

CNF has a Altman-Z score (0.50) which is in line with its industry peers.

A Debt/Equity ratio of 1.32 is on the high side and indicates that CNF has dependencies on debt financing.

CNF has a Debt to Equity ratio (1.32) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.32
Debt/FCF	N/A
Altman-Z	0.5

ROIC/WACC0.04

WACC7.61%

2.3 Liquidity

A Current Ratio of 0.33 indicates that CNF may have some problems paying its short term obligations.

CNF has a worse Current ratio (0.33) than 68.69% of its industry peers.

A Quick Ratio of 0.33 indicates that CNF may have some problems paying its short term obligations.

CNF's Quick ratio of 0.33 is on the low side compared to the rest of the industry. CNF is outperformed by 68.69% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.33
Quick Ratio	0.33

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CNF have decreased strongly by -75.44% in the last year.

The earnings per share for CNF have been decreasing by -11.65% on average. This is quite bad

CNF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.83%.

The Revenue has been growing by 28.98% on average over the past years. This is a very strong growth!

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

The Earnings Per Share is expected to decrease by -73.58% on average over the next years. This is quite bad

The Revenue is expected to decrease by -31.48% on average over the next years. This is quite bad

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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.

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4. Valuation

4.1 Price/Earnings Ratio

CNF is valuated quite expensively with a Price/Earnings ratio of 49.63.

74.75% of the companies in the same industry are cheaper than CNF, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.02. CNF is valued rather expensively when compared to this.

CNF is valuated quite expensively with a Price/Forward Earnings ratio of 401.09.

Based on the Price/Forward Earnings ratio, CNF is valued expensively inside the industry as 80.81% of the companies are valued cheaper.

When comparing the Price/Forward Earnings ratio of CNF to the average of the S&P500 Index (22.57), we can say CNF is valued expensively.

		Industry Rank	Sector Rank
PE	49.63
Fwd PE	401.09

4.2 Price Multiples

68.69% of the companies in the same industry are cheaper than CNF, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	91.14

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

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5. Dividend

5.1 Amount

No dividends for CNF!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CNFINANCE HOLDINGS LTD

NYSE:CNF (10/10/2025, 9:18:36 PM)

3.97

-0.92 (-18.81%)

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 Owners20.5%

Inst Owner Change0%

Ins Owners2.18%

Ins Owner ChangeN/A

Market Cap272.27M

Analysts80

Price Target20.4 (413.85%)

Short Float %N/A

Short Ratio0.14

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)300%

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	49.63
Fwd PE	401.09
P/S	1.21
P/FCF	N/A
P/OCF	N/A
P/B	0.48
P/tB	0.48
EV/EBITDA	91.14

EPS(TTM)0.08

EY2.02%

EPS(NY)0.01

Fwd EY0.25%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.28

BVpS8.25

TBVpS8.25

PEG (NY)N/A

PEG (5Y)N/A

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%

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-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

WACC7.61%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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