CNFINANCE HOLDINGS LTD (CNF) Fundamental Analysis & Valuation

NYSE:CNF • US18979T2042

4.8 USD
-0.07 (-1.49%)
Last: Mar 11, 2026, 08:04 PM
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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.

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CNF. 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.


Dividend Valuation Growth Profitability Health

2

1. CNF Profitability Analysis

1.1 Basic Checks

  • CNF had positive earnings in the past year.
  • In the past 5 years CNF has always 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's Return On Assets of 0.30% is on the low side compared to the rest of the industry. CNF is outperformed by 68.37% of its industry peers.
  • CNF has a worse Return On Equity (0.94%) than 69.39% 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 64.29% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CNF is significantly below the industry average of 8.33%.
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)0.74%
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

  • Looking at the Profit Margin, with a value of 2.37%, CNF is doing worse than 65.31% of the companies in the same industry.
  • CNF's Profit Margin has declined in the last couple of years.
  • CNF has a worse Operating Margin (3.00%) than 66.33% of its industry peers.
  • In the last couple of years the Operating Margin of CNF has declined.
  • CNF's Gross Margin of 34.60% is in line compared to the rest of the industry. CNF outperforms 52.04% of its industry peers.
  • In the last couple of years the Gross Margin of CNF has declined.
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

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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.
  • 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

  • CNF has an Altman-Z score of 0.35. 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 (0.35) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 1.32 is on the high side and indicates that CNF has dependencies on debt financing.
  • CNF has a worse Debt to Equity ratio (1.32) than 62.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF N/A
Altman-Z 0.35
ROIC/WACC0.04
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 0.33 indicates that CNF may have some problems paying its short term obligations.
  • The Current ratio of CNF (0.33) is worse than 65.31% 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 worse Quick ratio (0.33) than 64.29% 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 -75.44%.
  • Measured over the past years, CNF shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.65% on average per year.
  • The Revenue for CNF has decreased by -12.83% in the past year. This is quite bad
  • 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

  • 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.
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

  • With a Price/Earnings ratio of 6.00, the valuation of CNF can be described as very cheap.
  • Based on the Price/Earnings ratio, CNF is valued cheaply inside the industry as 86.73% of the companies are valued more expensively.
  • CNF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.70.
  • CNF is valuated quite expensively with a Price/Forward Earnings ratio of 467.69.
  • Based on the Price/Forward Earnings ratio, CNF is valued a bit more expensive than 78.57% of the companies in the same industry.
  • CNF is valuated expensively when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6
Fwd PE 467.69
CNF Price Earnings VS Forward Price EarningsCNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400

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 63.27% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 55.07
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 (3/11/2026, 8:04:00 PM)

4.8

-0.07 (-1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)05-25
Inst Owners20.46%
Inst Owner Change0.07%
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap32.92M
Revenue(TTM)1.60B
Net Income(TTM)38.00M
Analysts80
Price Target20.4 (325%)
Short Float %1.71%
Short Ratio0.88
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 6
Fwd PE 467.69
P/S 0.14
P/FCF N/A
P/OCF N/A
P/B 0.06
P/tB 0.06
EV/EBITDA 55.07
EPS(TTM)0.8
EY16.67%
EPS(NY)0.01
Fwd EY0.21%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS33.99
BVpS85.57
TBVpS85.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number39.25
Profitability
Industry RankSector 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 RankSector 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 0.35
F-ScoreN/A
WACC7.41%
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 2 / 10 to CNF.


What is the valuation status for CNF stock?

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


Can you provide the profitability details for CNFINANCE HOLDINGS LTD?

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


What is the earnings growth outlook for CNFINANCE HOLDINGS LTD?

The Earnings per Share (EPS) of CNFINANCE HOLDINGS LTD (CNF) is expected to decline by -80% in the next year.