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CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis

USA - NYSE:CNF - US18979T1051 - ADR

2.94 USD
-0.07 (-2.33%)
Last: 9/19/2025, 8:04:00 PM
Fundamental Rating

2

Taking everything into account, CNF scores 2 out of 10 in our fundamental rating. CNF was compared to 101 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

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2

1. Profitability

1.1 Basic Checks

In the past year CNF was profitable.
In the past year CNF had a positive cash flow from operations.
CNF had positive earnings in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 0.25%, CNF is doing worse than 68.32% of the companies in the same industry.
With a Return On Equity value of 0.94%, CNF is not doing good in the industry: 68.32% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 0.25%, CNF is not doing good in the industry: 68.32% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for CNF is significantly below the industry average of 7.65%.
Industry RankSector 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%
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

CNF's Profit Margin of 2.37% is on the low side compared to the rest of the industry. CNF is outperformed by 63.37% of its industry peers.
CNF's Profit Margin has declined in the last couple of years.
CNF has a Operating Margin of 3.00%. This is in the lower half of the industry: CNF underperforms 69.31% 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 49.51% of its industry peers.
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

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2

2. Health

2.1 Basic Checks

CNF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CNF has about the same amount of shares outstanding.
CNF has about the same amout of shares outstanding than it did 5 years ago.
CNF has a better debt/assets ratio than last year.
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 0.43. This is a bad value and indicates that CNF is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.43, CNF perfoms like the industry average, outperforming 49.51% of the companies in the same industry.
The Debt to FCF ratio of CNF is 10.15, which is on the high side as it means it would take CNF, 10.15 years of fcf income to pay off 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 57.43% of its industry peers.
A Debt/Equity ratio of 1.87 is on the high side and indicates that CNF has dependencies on debt financing.
With a Debt to Equity ratio value of 1.87, CNF is not doing good in the industry: 63.37% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF 10.15
Altman-Z 0.43
ROIC/WACC0.03
WACC7.55%
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

A Current Ratio of 0.61 indicates that CNF may have some problems paying its short term obligations.
CNF has a Current ratio of 0.61. This is comparable to the rest of the industry: CNF outperforms 40.59% of its industry peers.
CNF has a Quick Ratio of 0.61. This is a bad value and indicates that CNF is not financially healthy enough and could expect problems in meeting its short term obligations.
CNF's Quick ratio of 0.61 is in line compared to the rest of the industry. CNF outperforms 40.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.61
Quick Ratio 0.61
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

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2

3. Growth

3.1 Past

The earnings per share for CNF have decreased strongly by -72.73% in the last year.
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.
CNF Yearly Revenue VS EstimatesCNF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
CNF Yearly EPS VS EstimatesCNF Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 1 2 3 4

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 29.40 indicates a quite expensive valuation of CNF.
CNF's Price/Earnings ratio is a bit more expensive when compared to the industry. CNF is more expensive than 65.35% of the companies in the same industry.
CNF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.38.
With a Price/Forward Earnings ratio of 103.42, CNF can be considered very expensive at the moment.
79.21% 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 rather expensive valuation when compared to the S&P500 average which is at 22.86.
Industry RankSector Rank
PE 29.4
Fwd PE 103.42
CNF Price Earnings VS Forward Price EarningsCNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CNF is valued a bit more expensive than 68.32% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CNF is valued cheaper than 99.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.91
EV/EBITDA 123.41
CNF Per share dataCNF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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)0.29
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CNF!.
Industry RankSector Rank
Dividend Yield N/A

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CNFINANCE HOLDINGS LTD

NYSE:CNF (9/19/2025, 8:04:00 PM)

2.94

-0.07 (-2.33%)

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 Owners20.42%
Inst Owner Change10.63%
Ins Owners2.18%
Ins Owner ChangeN/A
Market Cap201.63M
Analysts80
Price Target20.4 (593.88%)
Short Float %N/A
Short Ratio0.09
Dividend
Industry RankSector 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)300%
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 RankSector Rank
PE 29.4
Fwd PE 103.42
P/S 0.89
P/FCF 1.91
P/OCF 1.89
P/B 0.35
P/tB 0.35
EV/EBITDA 123.41
EPS(TTM)0.1
EY3.4%
EPS(NY)0.03
Fwd EY0.97%
FCF(TTM)1.54
FCFY52.28%
OCF(TTM)1.55
OCFY52.84%
SpS3.29
BVpS8.33
TBVpS8.32
PEG (NY)0.29
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 0.43
F-Score6
WACC7.55%
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%