CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis
USA - NYSE:CNF - US18979T1051 - ADR
4.99 USD
+0.01 (+0.2%)
We assign a fundamental rating of 1 out of 10 to CNF. CNF was compared to 98 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 expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CNF had positive earnings in the past year.
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
Looking at the Return On Assets, with a value of 0.30%, CNF is doing worse than 66.33% of the companies in the same industry.
CNF's Return On Equity of 0.94% is on the low side compared to the rest of the industry. CNF is outperformed by 69.39% of its industry peers.
CNF has a worse Return On Invested Capital (0.31%) than 68.37% of its industry peers.
CNF had an Average Return On Invested Capital over the past 3 years of 0.74%. This is significantly below the industry average of 7.85%.
| 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
CNF has a worse Profit Margin (2.37%) than 63.27% of its industry peers.
CNF's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 3.00%, CNF is not doing good in the industry: 68.37% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of CNF has declined.
CNF has a Gross Margin (34.60%) which is in line with 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.
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.
2.2 Solvency
CNF has an Altman-Z score of 0.50. 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 (0.50) which is in line with its industry peers.
CNF has a Debt/Equity ratio of 1.32. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.32, CNF is doing worse than 60.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.5 |
ROIC/WACC0.04
WACC7.66%
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.
The Current ratio of CNF (0.33) is worse than 67.35% of its industry peers.
CNF has a Quick 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.
The Quick ratio of CNF (0.33) is worse than 67.35% of its industry peers.
| 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
The Earnings Per Share is expected to decrease by -73.58% on average over the next years. This is quite bad
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.
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
Based on the Price/Earnings ratio of 62.38, the valuation of CNF can be described as expensive.
Based on the Price/Earnings ratio, CNF is valued a bit more expensive than 75.51% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.67, CNF is valued quite expensively.
Based on the Price/Forward Earnings ratio of 503.93, the valuation of CNF can be described as expensive.
Based on the Price/Forward Earnings ratio, CNF is valued a bit more expensive than 79.59% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 31.86. CNF is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.38 | ||
| Fwd PE | 503.93 |
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 66.33% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 91.85 |
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 | N/A |
NYSE:CNF (11/7/2025, 12:38:54 PM)
4.99
+0.01 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners20.5%
Inst Owner Change-0.81%
Ins Owners2.18%
Ins Owner ChangeN/A
Market Cap342.23M
Revenue(TTM)1.60B
Net Income(TTM)38.00M
Analysts80
Price Target20.4 (308.82%)
Short Float %1.09%
Short Ratio0.3
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)300%
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 | 62.38 | ||
| Fwd PE | 503.93 | ||
| P/S | 1.52 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.6 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | 91.85 |
EPS(TTM)0.08
EY1.6%
EPS(NY)0.01
Fwd EY0.2%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.28
BVpS8.26
TBVpS8.25
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.85
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 | 0.5 |
F-ScoreN/A
WACC7.66%
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 1 / 10 to CNF.
What is the valuation status of CNFINANCE HOLDINGS LTD (CNF) stock?
ChartMill assigns a valuation rating of 0 / 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.