CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis

NYSE:CNF • US18979T2042

5.55 USD
+0.13 (+2.49%)
At close: Feb 18, 2026
5.6 USD
+0.05 (+0.9%)
After Hours: 2/18/2026, 8:22:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

CNF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 97 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. Profitability

1.1 Basic Checks

  • CNF had positive earnings in the past year.
  • In the past 5 years CNF has always been profitable.
  • CNF had a positive operating cash flow in each of the past 5 years.
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 Return On Assets of 0.30%. This is in the lower half of the industry: CNF underperforms 65.98% of its industry peers.
  • The Return On Equity of CNF (0.94%) is worse than 69.07% of its industry peers.
  • CNF has a worse Return On Invested Capital (0.31%) than 64.95% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CNF is significantly below the industry average of 8.38%.
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

  • With a Profit Margin value of 2.37%, CNF is not doing good in the industry: 64.95% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of CNF has declined.
  • Looking at the Operating Margin, with a value of 3.00%, CNF is doing worse than 67.01% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CNF has declined.
  • Looking at the Gross Margin, with a value of 34.60%, CNF is in line with its industry, outperforming 51.55% of the companies in the same industry.
  • CNF's Gross Margin has declined in the last couple of years.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CNF 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.
  • Compared to 1 year ago, CNF has an improved debt to assets ratio.
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 of 0.35. This is comparable to the rest of the industry: CNF outperforms 51.55% of 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's Debt to Equity ratio of 1.32 is on the low side compared to the rest of the industry. CNF is outperformed by 61.86% 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

  • CNF has a Current 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.
  • With a Current ratio value of 0.33, CNF is not doing good in the industry: 65.98% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.33 indicates that CNF may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.33, CNF is doing worse than 64.95% of the companies in the same industry.
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

More info and screens

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

2

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
  • 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

  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.94, which indicates a rather cheap valuation of CNF.
  • Based on the Price/Earnings ratio, CNF is valued cheaply inside the industry as 85.57% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of CNF to the average of the S&P500 Index (27.27), we can say CNF is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 543.89, CNF can be considered very expensive at the moment.
  • 78.35% of the companies in the same industry are cheaper than CNF, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.16, CNF is valued quite expensively.
Industry RankSector Rank
PE 6.94
Fwd PE 543.89
CNF Price Earnings VS Forward Price EarningsCNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400 500

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CNF is valued a bit more expensive than the industry average as 63.92% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 55.58
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

More info and screens

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

0

5. Dividend

5.1 Amount

  • CNF does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CNFINANCE HOLDINGS LTD

NYSE:CNF (2/18/2026, 8:22:36 PM)

After market: 5.6 +0.05 (+0.9%)

5.55

+0.13 (+2.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A
Earnings (Next)05-25
Inst Owners20.47%
Inst Owner Change0.07%
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap38.06M
Revenue(TTM)1.60B
Net Income(TTM)38.00M
Analysts80
Price Target20.4 (267.57%)
Short Float %1.23%
Short Ratio0.55
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 6.94
Fwd PE 543.89
P/S 0.16
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA 55.58
EPS(TTM)0.8
EY14.41%
EPS(NY)0.01
Fwd EY0.18%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS33.79
BVpS85.08
TBVpS85.01
PEG (NY)N/A
PEG (5Y)N/A
Graham Number39.13
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.