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CNFINANCE HOLDINGS LTD (CNF) Stock Fundamental Analysis

NYSE:CNF - US18979T1051 - ADR

0.49 USD
-0.01 (-1.88%)
Last: 8/28/2025, 11:32:44 AM
Fundamental Rating

2

Overall CNF gets a fundamental rating of 2 out of 10. We evaluated CNF against 100 industry peers in the Financial Services industry. Both the profitability and financial health of CNF have multiple concerns. CNF is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CNF had positive earnings in the past year.
CNF had a positive operating cash flow in the past year.
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

CNF's Return On Assets of 0.25% is on the low side compared to the rest of the industry. CNF is outperformed by 66.00% of its industry peers.
With a Return On Equity value of 0.94%, CNF is not doing good in the industry: 67.00% of the companies in the same industry are doing better.
CNF's Return On Invested Capital of 0.25% is on the low side compared to the rest of the industry. CNF is outperformed by 68.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CNF is significantly below the industry average of 7.71%.
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

With a Profit Margin value of 2.37%, CNF is not doing good in the industry: 63.00% of the companies in the same industry are doing better.
CNF's Profit Margin has declined in the last couple of years.
The Operating Margin of CNF (3.00%) is worse than 70.00% of its industry peers.
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.
In the last couple of years the Gross Margin of CNF has declined.
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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CNF is destroying value.
Compared to 1 year ago, CNF has about the same amount of shares outstanding.
The number of shares outstanding for CNF remains at a similar level compared to 5 years ago.
The debt/assets ratio for CNF has been reduced compared to a year ago.
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

Based on the Altman-Z score of 0.36, we must say that CNF is in the distress zone and has some risk of bankruptcy.
CNF has a Altman-Z score (0.36) which is in line with its industry peers.
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.
With a Debt to FCF ratio value of 10.15, CNF perfoms like the industry average, outperforming 58.00% of the companies in the same industry.
CNF has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of CNF (1.87) is worse than 63.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.87
Debt/FCF 10.15
Altman-Z 0.36
ROIC/WACC0.03
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

A Current Ratio of 0.61 indicates that CNF may have some problems paying its short term obligations.
The Current ratio of CNF (0.61) is comparable to the rest of the industry.
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.
The Quick ratio of CNF (0.61) is comparable to the rest of the industry.
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.
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
The Revenue has been growing by 28.98% on average over the past years. This is a very strong growth!
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 0.5 1 1.5 2

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.44, the valuation of CNF can be described as very cheap.
Based on the Price/Earnings ratio, CNF is valued cheaper than 91.00% of the companies in the same industry.
CNF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.14.
The Price/Forward Earnings ratio is 17.37, which indicates a rather expensive current valuation of CNF.
Based on the Price/Forward Earnings ratio, CNF is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
CNF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.80.
Industry RankSector Rank
PE 5.44
Fwd PE 17.37
CNF Price Earnings VS Forward Price EarningsCNF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

69.00% of the companies in the same industry are cheaper than CNF, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNF indicates a rather cheap valuation: CNF is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.32
EV/EBITDA 103.04
CNF Per share dataCNF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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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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 (8/28/2025, 11:32:44 AM)

0.49

-0.01 (-1.88%)

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 Change10.62%
Ins Owners2.18%
Ins Owner ChangeN/A
Market Cap33.61M
Analysts80
Price Target5.1 (940.82%)
Short Float %2.57%
Short Ratio0.41
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)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 5.44
Fwd PE 17.37
P/S 0.15
P/FCF 0.32
P/OCF 0.32
P/B 0.06
P/tB 0.06
EV/EBITDA 103.04
EPS(TTM)0.09
EY18.37%
EPS(NY)0.03
Fwd EY5.76%
FCF(TTM)1.53
FCFY311.23%
OCF(TTM)1.54
OCFY314.53%
SpS3.26
BVpS8.26
TBVpS8.25
PEG (NY)0.05
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 0.36
F-Score6
WACC7.41%
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%