CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis
NYSE:CNF - New York Stock Exchange, Inc. - US18979T1051 - ADR - Currency: USD
CNF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. CNF may be in some trouble as it scores bad on both profitability and health. CNF is valued correctly, but it does not seem to be growing.
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.
1.2 Ratios
CNF has a Return On Assets of 0.25%. This is in the lower half of the industry: CNF underperforms 68.00% of its industry peers.
With a Return On Equity value of 0.94%, CNF is not doing good in the industry: 71.00% 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 70.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for CNF is significantly below the industry average of 11.84%.
| Industry Rank | Sector 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%
1.3 Margins
CNF's Profit Margin of 2.37% is on the low side compared to the rest of the industry. CNF is outperformed by 70.00% of its industry peers.
In the last couple of years the Profit Margin of CNF has declined.
CNF's Operating Margin of 3.00% is on the low side compared to the rest of the industry. CNF is outperformed by 72.00% of its industry peers.
CNF's Operating Margin has declined in the last couple of years.
CNF has a Gross Margin of 34.60%. This is comparable to the rest of the industry: CNF outperforms 50.00% of 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CNF is destroying value.
The number of shares outstanding for CNF remains at a similar level compared to 1 year ago.
CNF has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for CNF has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that CNF is in the distress zone and has some risk of bankruptcy.
CNF's Altman-Z score of 0.37 is in line compared to the rest of the industry. CNF outperforms 48.00% of its industry peers.
CNF has a debt to FCF ratio of 10.15. This is a negative value and a sign of low solvency as CNF would need 10.15 years to pay back of 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 54.00% 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 has a Debt to Equity ratio of 1.87. This is in the lower half of the industry: CNF underperforms 62.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 10.15 | ||
| Altman-Z | 0.37 |
ROIC/WACC0.03
WACC7.42%
2.3 Liquidity
A Current Ratio of 0.61 indicates that CNF may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.61, CNF is doing worse than 61.00% of the companies in the same industry.
A Quick Ratio of 0.61 indicates that CNF may have some problems paying its short term obligations.
The Quick ratio of CNF (0.61) is worse than 61.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.61 | ||
| Quick Ratio | 0.61 |
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%.
The Earnings Per Share has been decreasing by -9.71% on average over the past years.
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)-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.
4. Valuation
4.1 Price/Earnings Ratio
CNF is valuated reasonably with a Price/Earnings ratio of 8.39.
Based on the Price/Earnings ratio, CNF is valued a bit cheaper than the industry average as 78.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.51. CNF is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 26.78, which means the current valuation is very expensive for CNF.
68.00% 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 valuation a bit cheaper than the S&P500 average which is at 35.58.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.39 | ||
| Fwd PE | 26.78 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CNF is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, CNF is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.5 | ||
| EV/EBITDA | 105.18 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CNF does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
0.7549
-0.01 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners19.51%
Inst Owner Change0%
Ins Owners2.18%
Ins Owner ChangeN/A
Market Cap51.77M
Analysts80
Price Target5.1 (575.59%)
Short Float %2.19%
Short Ratio0.34
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.39 | ||
| Fwd PE | 26.78 | ||
| P/S | 0.23 | ||
| P/FCF | 0.5 | ||
| P/OCF | 0.49 | ||
| P/B | 0.09 | ||
| P/tB | 0.09 | ||
| EV/EBITDA | 105.18 |
EPS(TTM)0.09
EY11.92%
EPS(NY)0.03
Fwd EY3.73%
FCF(TTM)1.52
FCFY201.86%
OCF(TTM)1.54
OCFY204.01%
SpS3.26
BVpS8.25
TBVpS8.25
PEG (NY)0.08
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.42%
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%