CNFinance Holdings Limited (CNF) is a publicly traded company in the Financial Services — Financial - Mortgages industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions specifically designed for owners of micro and small enterprises, and functions as a loan origination agent for other financial entities.
Analysis Summary
CNFinance Holdings Limited reported revenue of $625.9M in the most recent fiscal year, growing at a 5-year CAGR of -19.3%.
Trailing-twelve-month margins: gross margin 100.0%, operating margin 108.8%, net margin 88.0%. Free cash flow grew at -41.2% CAGR over 5 years.
At the current price of $1.83, CNF has negative trailing earnings (P/E not meaningful) and an ROE of -24.56%. Market capitalisation stands at $5M.
Balance sheet quality for CNF: current ratio of 0.5, net debt of $3.40B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Price
| Price | $1.83 |
| Market Cap | $5M |
| Exchange | NYSE |
| Country | CN |
Valuation Ratios
| Price / Book | 0.02 |
| EV / EBITDA | 0.00 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | -24.56% |
| Return on Invested Capital | -8.67% |
| Return on Assets | -9.09% |
| Gross Margin | 100.00% |
| Operating Margin | 108.79% |
| Net Margin | 87.96% |
Financial Health
| Debt / Equity | 0.95 |
| Current Ratio | 0.00 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CNF | CNFinance Holdings Limited | $5M | 0.02 | -24.6% | |
| RKT | Rocket Companies, Inc. | $36.6B | 81.32 | 1.53 | 2.4% |
| FNMAP | Federal National Mortgage Association | $6.5B | 2.75 | 0.23 | 13.6% |
| FNMAL | Federal National Mortgage Association | $6.0B | |||
| PFSI | PennyMac Financial Services, Inc. | $3.4B | 8.44 | 0.76 | 9.1% |
Price Performance
| 1 month | -21.46% |
| 3 months | -40.78% |
| Year-to-date | -69.75% |
| 1 year | -39.60% |
| 3 years | -94.59% |
| 5 years | -96.62% |
52-Week Range
| 52-week High | $6.49 |
| 52-week Low | $1.76 |
| Avg Volume (90d) | 14K |
Related companies: ABTS · ATII · AURE · CARV · GSIW · LMFA · MEGL
Explore sector: Financial Services · Financial - Mortgages
More sections of CNF: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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