CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CNF - US18979T2042 - ADR
6.28 USD
-0.06 (-0.95%)
CNF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. CNF has a bad profitability rating. Also its financial health evaluation is rather negative. CNF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year CNF was profitable.
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 worse Return On Assets (0.30%) than 64.29% of its industry peers.
Looking at the Return On Equity, with a value of 0.94%, CNF is doing worse than 69.39% of the companies in the same industry.
CNF has a worse Return On Invested Capital (0.31%) than 65.31% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CNF is significantly below the industry average of 8.44%.
| Industry Rank | Sector 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%
1.3 Margins
Looking at the Profit Margin, with a value of 2.37%, CNF is doing worse than 66.33% of the companies in the same industry.
In the last couple of years the Profit Margin of CNF has declined.
CNF has a worse Operating Margin (3.00%) than 68.37% 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 51.02% of its industry peers.
In the last couple of years the Gross Margin of CNF has declined.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
The debt/assets ratio for CNF has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.35, we must say that CNF is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CNF (0.35) 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.
The Debt to Equity ratio of CNF (1.32) is worse than 60.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.35 |
ROIC/WACC0.04
WACC7.42%
2.3 Liquidity
A Current Ratio of 0.33 indicates that CNF may have some problems paying its short term obligations.
With a Current ratio value of 0.33, CNF is not doing good in the industry: 66.33% 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 66.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 |
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%.
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.
CNF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.83%.
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
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.
Based on estimates for the next years, CNF will show a very negative growth in Revenue. The Revenue will decrease by -31.48% on average per year.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.95, which indicates a rather cheap valuation of CNF.
Based on the Price/Earnings ratio, CNF is valued a bit cheaper than the industry average as 78.57% 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 26.77.
A Price/Forward Earnings ratio of 622.93 indicates a quite expensive valuation of CNF.
Based on the Price/Forward Earnings ratio, CNF is valued expensively inside the industry as 80.61% of the companies are valued cheaper.
The average S&P500 Price/Forward Earnings ratio is at 23.35. CNF is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 622.93 |
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 63.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 56.37 |
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
5. Dividend
5.1 Amount
No dividends for CNF!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:CNF (12/31/2025, 1:11:19 PM)
6.28
-0.06 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners20.47%
Inst Owner Change-90.02%
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap43.07M
Revenue(TTM)1.60B
Net Income(TTM)38.00M
Analysts80
Price Target20.4 (224.84%)
Short Float %0.25%
Short Ratio0.09
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 622.93 | ||
| P/S | 0.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.07 | ||
| P/tB | 0.07 | ||
| EV/EBITDA | 56.37 |
EPS(TTM)0.79
EY12.58%
EPS(NY)0.01
Fwd EY0.16%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS33.38
BVpS84.05
TBVpS83.99
PEG (NY)N/A
PEG (5Y)N/A
Graham Number38.65
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.42%
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 of CNFINANCE HOLDINGS LTD (CNF) stock?
ChartMill assigns a valuation rating of 2 / 10 to CNFINANCE HOLDINGS LTD (CNF). This can be considered as Overvalued.
What is the profitability of CNF stock?
CNFINANCE HOLDINGS LTD (CNF) has a profitability rating of 2 / 10.
What is the expected EPS growth for CNFINANCE HOLDINGS LTD (CNF) stock?
The Earnings per Share (EPS) of CNFINANCE HOLDINGS LTD (CNF) is expected to decline by -80% in the next year.