CNFINANCE HOLDINGS LTD (CNF) Fundamental Analysis & Valuation

NYSE:CNF • US18979T2042

Current stock price

3.43 USD
0 (0%)
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This CNF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CNF Profitability Analysis

1.1 Basic Checks

  • CNF had positive earnings in the past year.
  • Each year in the past 5 years CNF has been profitable.
  • Each year in the past 5 years CNF had a positive operating cash flow.
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

  • CNF has a worse Return On Assets (0.30%) than 67.68% 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.
  • Looking at the Return On Invested Capital, with a value of 0.31%, CNF is doing worse than 64.65% of the companies in the same industry.
  • CNF had an Average Return On Invested Capital over the past 3 years of 0.75%. This is significantly below the industry average of 8.00%.
Industry RankSector 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)0.75%
ROIC(5y)0.8%
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

  • The Profit Margin of CNF (2.36%) is worse than 65.66% of its industry peers.
  • In the last couple of years the Profit Margin of CNF has declined.
  • The Operating Margin of CNF (3.01%) is worse than 66.67% of its industry peers.
  • CNF's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 34.57%, CNF is in line with its industry, outperforming 52.53% of the companies in the same industry.
  • CNF's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.01%
PM (TTM) 2.36%
GM 34.57%
OM growth 3Y-26.42%
OM growth 5Y-34.02%
PM growth 3Y-20.29%
PM growth 5Y-32.82%
GM growth 3Y34.92%
GM growth 5Y-7.88%
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

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1

2. CNF Health Analysis

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.
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

  • CNF has an Altman-Z score of 0.34. This is a bad value and indicates that CNF is not financially healthy and even has some risk of bankruptcy.
  • CNF has a Altman-Z score of 0.34. This is comparable to the rest of the industry: CNF outperforms 49.49% of its industry peers.
  • CNF has a Debt/Equity ratio of 1.32. This is a high value indicating a heavy dependency on external financing.
  • CNF has a Debt to Equity ratio (1.32) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF N/A
Altman-Z 0.34
ROIC/WACC0.04
WACC7.45%
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 0.33 indicates that CNF may have some problems paying its short term obligations.
  • CNF has a Current ratio of 0.33. This is in the lower half of the industry: CNF underperforms 61.62% of its industry peers.
  • CNF has a Quick Ratio of 0.33. 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 Quick ratio of 0.33. This is in the lower half of the industry: CNF underperforms 61.62% of its industry peers.
Industry RankSector Rank
Current Ratio 0.33
Quick Ratio 0.33
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. CNF Growth Analysis

3.1 Past

  • CNF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.80%.
  • CNF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.93% yearly.
  • Looking at the last year, CNF shows a very negative growth in Revenue. The Revenue has decreased by -12.86% in the last year.
  • Measured over the past years, CNF shows a very strong growth in Revenue. The Revenue has been growing by 28.97% on average per year.
EPS 1Y (TTM)-75.8%
EPS 3Y57.89%
EPS 5Y-11.93%
EPS Q2Q%-175%
Revenue 1Y (TTM)-12.86%
Revenue growth 3Y94.75%
Revenue growth 5Y28.97%
Sales Q2Q%-59.62%

3.2 Future

  • CNF is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -73.58% yearly.
  • 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.
CNF Yearly Revenue VS EstimatesCNF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B
CNF Yearly EPS VS EstimatesCNF Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 5 10 15 20

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2

4. CNF Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.34, which indicates a rather cheap valuation of CNF.
  • Based on the Price/Earnings ratio, CNF is valued cheaper than 95.96% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.79, CNF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 331.62, the valuation of CNF can be described as expensive.
  • 74.75% of the companies in the same industry are cheaper than CNF, based on the Price/Forward Earnings ratio.
  • CNF's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 38.88.
Industry RankSector Rank
PE 4.34
Fwd PE 331.62
CNF Price Earnings VS Forward Price EarningsCNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300

4.2 Price Multiples

  • CNF's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CNF is more expensive than 62.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 54.13
CNF Per share dataCNF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • A cheap valuation may be justified as CNF's earnings are expected to decrease with -73.58% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-73.58%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CNF Dividend Analysis

5.1 Amount

  • No dividends for CNF!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CNF Fundamentals: All Metrics, Ratios and Statistics

CNFINANCE HOLDINGS LTD

NYSE:CNF (4/21/2026, 8:04:00 PM)

3.43

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)05-25
Inst Owners20.44%
Inst Owner Change0%
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap23.52M
Revenue(TTM)1.60B
Net Income(TTM)37.78M
Analysts80
Price Target20.4 (494.75%)
Short Float %7.29%
Short Ratio0.51
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 4.34
Fwd PE 331.62
P/S 0.1
P/FCF N/A
P/OCF N/A
P/B 0.04
P/tB 0.04
EV/EBITDA 54.13
EPS(TTM)0.79
EY23.03%
EPS(NY)0.01
Fwd EY0.3%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS34.24
BVpS86.24
TBVpS86.17
PEG (NY)N/A
PEG (5Y)N/A
Graham Number39.1523 (1041.47%)
Profitability
Industry RankSector Rank
ROA 0.3%
ROE 0.94%
ROCE 0.48%
ROIC 0.31%
ROICexc 0.31%
ROICexgc 0.41%
OM 3.01%
PM (TTM) 2.36%
GM 34.57%
FCFM N/A
ROA(3y)0.74%
ROA(5y)0.71%
ROE(3y)2.87%
ROE(5y)2.64%
ROIC(3y)0.75%
ROIC(5y)0.8%
ROICexc(3y)0.84%
ROICexc(5y)0.92%
ROICexgc(3y)0.98%
ROICexgc(5y)1.04%
ROCE(3y)0.98%
ROCE(5y)1.05%
ROICexgc growth 3Y-26.74%
ROICexgc growth 5Y-43.48%
ROICexc growth 3Y-27.92%
ROICexc growth 5Y-45.48%
OM growth 3Y-26.42%
OM growth 5Y-34.02%
PM growth 3Y-20.29%
PM growth 5Y-32.82%
GM growth 3Y34.92%
GM growth 5Y-7.88%
F-ScoreN/A
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF N/A
Debt/EBITDA 88.67
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 0.34
F-ScoreN/A
WACC7.45%
ROIC/WACC0.04
Cap/Depr(3y)3689.12%
Cap/Depr(5y)2244.58%
Cap/Sales(3y)3.86%
Cap/Sales(5y)2.41%
Profit Quality(3y)1187.54%
Profit Quality(5y)1117.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-75.8%
EPS 3Y57.89%
EPS 5Y-11.93%
EPS Q2Q%-175%
EPS Next Y-80%
EPS Next 2Y-73.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.86%
Revenue growth 3Y94.75%
Revenue growth 5Y28.97%
Sales Q2Q%-59.62%
Revenue Next Year13.09%
Revenue Next 2Y-31.48%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-76.55%
EBIT growth 3Y43.29%
EBIT growth 5Y-14.9%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-52.91%
FCF growth 3Y91.74%
FCF growth 5Y31.93%
OCF growth 1Y-55.61%
OCF growth 3Y92.05%
OCF growth 5Y32.12%

CNFINANCE HOLDINGS LTD / CNF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CNFINANCE HOLDINGS LTD (CNF) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CNF.


Can you provide the valuation status for CNFINANCE HOLDINGS LTD?

ChartMill assigns a valuation rating of 2 / 10 to CNFINANCE HOLDINGS LTD (CNF). This can be considered as Overvalued.


How profitable is CNFINANCE HOLDINGS LTD (CNF) stock?

CNFINANCE HOLDINGS LTD (CNF) has a profitability rating of 2 / 10.


What is the financial health of CNFINANCE HOLDINGS LTD (CNF) stock?

The financial health rating of CNFINANCE HOLDINGS LTD (CNF) is 1 / 10.