CNFINANCE HOLDINGS LTD(NYSE:CNF) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CNF scores 3 out of 10 in our fundamental rating. CNF was compared to 100 industry peers in the Financial Services industry. While CNF seems to be doing ok healthwise, there are quite some concerns on its profitability. CNF has a valuation in line with the averages, but it does not seem to be growing.

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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.

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

1.2 Ratios

CNF has a Return On Assets of 0.23%. This is in the lower half of the industry: CNF underperforms 69.00% of its industry peers.

CNF has a Return On Equity of 0.95%. This is in the lower half of the industry: CNF underperforms 72.00% of its industry peers.

With a Return On Invested Capital value of 0.23%, CNF is not doing good in the industry: 70.00% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.23%
ROE	0.95%
ROIC	0.23%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CNF has a worse Profit Margin (2.37%) than 68.00% of its industry peers.

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

The Operating Margin of CNF (3.00%) is worse than 71.00% of its industry peers.

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 53.00% of the companies in the same industry.

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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CNF is destroying value.

There is no outstanding debt for CNF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

CNF has an Altman-Z score of 0.46. This is a bad value and indicates that CNF is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of CNF (0.46) is comparable to the rest of the industry.

CNF has a debt to FCF ratio of 11.92. This is a negative value and a sign of low solvency as CNF would need 11.92 years to pay back of all of its debts.

CNF has a Debt to FCF ratio (11.92) which is comparable to the rest of the industry.

A Debt/Equity ratio of 2.23 is on the high side and indicates that CNF has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 2.23, CNF is doing worse than 66.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.23
Debt/FCF	11.92
Altman-Z	0.46

ROIC/WACC0.02

WACC13.7%

2.3 Liquidity

CNF has a Current Ratio of 2.18. This indicates that CNF is financially healthy and has no problem in meeting its short term obligations.

The Current ratio of CNF (2.18) is better than 77.00% of its industry peers.

A Quick Ratio of 2.18 indicates that CNF has no problem at all paying its short term obligations.

CNF has a better Quick ratio (2.18) than 78.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.18
Quick Ratio	2.18

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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 -72.73% in the last year.

Measured over the past years, CNF shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.71% 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)-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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 4.65 indicates a rather cheap valuation of CNF.

Based on the Price/Earnings ratio, CNF is valued cheaper than 94.00% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.20. CNF is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 14.90, which indicates a correct valuation of CNF.

CNF's Price/Forward Earnings ratio is in line with the industry average.

CNF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	4.65
Fwd PE	14.9

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CNF is valued a bit more expensive than the industry average as 68.00% of the companies are valued more cheaply.

100.00% of the companies in the same industry are more expensive than CNF, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	0.28
EV/EBITDA	107.39

4.3 Compensation for Growth

CNF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.05

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CNF does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CNFINANCE HOLDINGS LTD

NYSE:CNF (5/29/2025, 8:04:00 PM)

After market: 0.4118 -0.01 (-1.58%)

0.4184

+0.02 (+4.84%)

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 Owners18.9%

Inst Owner Change7.2%

Ins Owners1.34%

Ins Owner ChangeN/A

Market Cap28.69M

Analysts80

Price Target5.1 (1118.93%)

Short Float %4.24%

Short Ratio1.37

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	4.65
Fwd PE	14.9
P/S	0.13
P/FCF	0.28
P/OCF	0.27
P/B	0.05
P/tB	0.05
EV/EBITDA	107.39

EPS(TTM)0.09

EY21.51%

EPS(NY)0.03

Fwd EY6.71%

FCF(TTM)1.52

FCFY362.91%

OCF(TTM)1.53

OCFY366.77%

SpS3.25

BVpS8.13

TBVpS8.12

PEG (NY)0.05

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.23%
ROE	0.95%
ROCE	0.31%
ROIC	0.23%
ROICexc	0.27%
ROICexgc	0.31%
OM	3%
PM (TTM)	2.37%
GM	34.6%
FCFM	46.79%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

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-Score5

Asset Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	2.23
Debt/FCF	11.92
Debt/EBITDA	148.95
Cap/Depr	66.25%
Cap/Sales	0.5%
Interest Coverage	0.06
Cash Conversion	1262.51%
Profit Quality	1971.18%
Current Ratio	2.18
Quick Ratio	2.18
Altman-Z	0.46

F-Score5

WACC13.7%

ROIC/WACC0.02

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%

CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

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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