Overview Dividends

(CNF) CNFinance Holdings - Ratings and Ratios

Exchange: NYSE • Country: China • Currency: USD • Type: Common Stock • ISIN: US18979T1051

Home Equity Loans, Micro Credit, Loan Facilitation, Bridge Loans, Loan Services

CNF EPS (Earnings per Share)

EPS Growth (3Y CAGR): 0.00%
EPS Trend (3Y Correlation): -59.1%

CNF Revenue

Revenue Growth (3Y CAGR): -29.39%
Revenue Trend (3Y Correlation): 34.4%

Description: CNF CNFinance Holdings

CNFinance Holdings Limited is a Chinese financial services company that specializes in providing home equity loans, microcredit services, and loan facilitation for commercial banks and financial institutions. The companys business model is centered around catering to the financial needs of micro and small-enterprise owners, as well as individuals seeking short-term bridge loans to refinance existing mortgages. With a presence in China since 1999, CNFinance has established itself as a key player in the countrys mortgage finance sector.

Analyzing the companys , we observe a downward trend in its stock price over the past year, with the current price of $0.66 being close to its 52-week low of $0.64. The stocks short-term moving averages (SMA20 and SMA50) are above the current price, indicating a potential resistance level. However, the Average True Range (ATR) of 0.07 (10.39% of the current price) suggests that the stocks volatility is relatively high, presenting opportunities for traders. Considering the , the companys market capitalization is approximately $48.69 million, with a relatively low P/E ratio of 8.88 and a forward P/E of 1.94, indicating potential undervaluation.

Using a combination of and , we can forecast a potential price movement for CNF. Given the current downward trend and the stocks proximity to its 52-week low, we can expect a potential bounce or consolidation in the near term. If the stock can break above its SMA20 ($0.72), it may attract buying interest and potentially drive the price towards $0.80. However, if the stock continues to decline, it may test its 52-week low of $0.64, potentially leading to a further decline. Our forecast suggests that CNF may experience a short-term price fluctuation between $0.64 and $0.80, with a potential longer-term target of $1.20, driven by potential improvements in the companys RoE (currently at 2.94%) and an increase in its market capitalization.

To validate this forecast, it is essential to monitor the companys future earnings reports, industry trends, and macroeconomic factors affecting the Chinese mortgage finance sector. A thorough analysis of these factors will provide a more comprehensive understanding of CNFs potential growth prospects and help refine our forecast.

CNF Stock Overview

Market Cap in USD	28m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	2018-11-07

CNF Stock Ratings

Growth Rating	-82.5%
Fundamental	54.8%
Dividend Rating	-
Return 12m vs S&P 500	-72.8%
Analyst Rating	5.0 of 5

CNF Dividends

Currently no dividends paid

CNF Growth Ratios

Growth Correlation 3m	15%
Growth Correlation 12m	-78.5%
Growth Correlation 5y	-85.5%
CAGR 5y	-33.58%
CAGR/Max DD 5y	-0.36
Sharpe Ratio 12m	-1.93
Alpha	-88.27
Beta	1.405
Volatility	108.30%
Current Volume	309.5k
Average Volume 20d	129.2k
Stop Loss	0.3 (-26.8%)
Signal	-1.18

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (119.4m TTM) > 0 and > 6% of Revenue (6% = 72.3m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA -4.75pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev)

CFO/TA 0.05 (>3.0%) and CFO 757.2m > Net Income 119.4m (YES >=105%, WARN >=100%)

Net Debt (4.20b) to EBITDA (151.9m) ratio: 27.64 <= 3.0 (WARN <= 3.5)

error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities)

Outstanding Shares last Quarter (NaN) change vs 12m ago NaN% (target <= -2.0% for YES)

Gross Margin 85.33% (prev -12.4m%; Δ 12.4mpp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.68% (prev 10.41%; Δ -2.72pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.15 (EBITDA TTM 151.9m / Interest Expense TTM 544.0m) >= 6 (WARN >= 3)

ValueRay F-Score (Strict, 0-100) 54.79

1. Piotroski 3.0pt = -2.0

2. FCF Yield 17.27% = 5.0

3. FCF Margin 62.16% = 7.50

4. Debt/Equity 1.46 = 1.52

5. Debt/Ebitda 39.06 = -2.50

6. ROIC - WACC -2.17% = -2.72

7. RoE 2.94% = 0.25

8. Rev. Trend 34.44% = 1.72

9. Rev. CAGR -29.39% = -2.50

10. EPS Trend -59.11% = -1.48

11. EPS CAGR 0.0% = 0.0

What is the price of CNF shares?

As of August 31, 2025, the stock is trading at USD 0.41 with a total of 309,483 shares traded.
Over the past week, the price has changed by -16.33%, over one month by -44.59%, over three months by -2.38% and over the past year by -68.22%.

Is CNFinance Holdings a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, CNFinance Holdings is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 54.79 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CNF is around 0.26 USD . This means that CNF is currently overvalued and has a potential downside of -36.59%.

Is CNF a buy, sell or hold?

CNFinance Holdings has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy CNF.

Strong Buy: 1
Buy: 0
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CNF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	4.9	1087.8%
Analysts Target Price	4.9	1087.8%
ValueRay Target Price	0.3	-34.1%

Last update: 2025-08-30 02:51

CNF Fundamental Data Overview

Market Cap CNY = 201.1m (28.1m USD * 7.1536 USD.CNY)
CCE Cash And Equivalents = 1.79b CNY (Cash And Short Term Investments, last quarter)
P/E Trailing = 5.125
P/E Forward = 1.9369
P/S = 0.045
P/B = 0.0604
Beta = 0.022
Revenue TTM = 1.21b CNY
EBIT TTM = 83.1m CNY
EBITDA TTM = 151.9m CNY
Long Term Debt = 578.4m CNY (from longTermDebt, last fiscal year)
Short Term Debt = 5.35b CNY (from shortTermDebt, last quarter)
Debt = 5.93b CNY (Calculated: Short Term 5.35b + Long Term 578.4m)
Net Debt = 4.20b CNY (from netDebt column, last quarter)
Enterprise Value = 4.34b CNY (201.1m + Debt 5.93b - CCE 1.79b)
Interest Coverage Ratio = 0.15 (Ebit TTM 83.1m / Interest Expense TTM 544.0m)
FCF Yield = 17.27% (FCF TTM 749.3m / Enterprise Value 4.34b)
FCF Margin = 62.16% (FCF TTM 749.3m / Revenue TTM 1.21b)
Net Margin = 9.91% (Net Income TTM 119.4m / Revenue TTM 1.21b)
Gross Margin = 85.33% ((Revenue TTM 1.21b - Cost of Revenue TTM 176.8m) / Revenue TTM)
Tobins Q-Ratio = 1.38 (Enterprise Value 4.34b / Book Value Of Equity 3.13b)
Interest Expense / Debt = 3.15% (Interest Expense 187.2m / Debt 5.93b)
Taxrate = 21.75% (from yearly Income Tax Expense: 10.5m / 48.3m)
NOPAT = 65.0m (EBIT 83.1m * (1 - 21.75%))
Current Ratio = unknown (Total Current Assets 1.79b / Total Current Liabilities none)
Debt / Equity = 1.46 (Debt 5.93b / last Quarter total Stockholder Equity 4.06b)
Debt / EBITDA = 39.06 (Net Debt 4.20b / EBITDA 151.9m)
Debt / FCF = 7.92 (Debt 5.93b / FCF TTM 749.3m)
Total Stockholder Equity = 4.06b (last 4 quarters mean)
RoA = 0.79% (Net Income 119.4m, Total Assets 15.03b )
RoE = 2.94% (Net Income TTM 119.4m / Total Stockholder Equity 4.06b)
RoCE = 1.79% (Ebit 83.1m / (Equity 4.06b + L.T.Debt 578.4m))
RoIC = 0.58% (NOPAT 65.0m / Invested Capital 11.18b)
WACC = 2.75% (E(201.1m)/V(6.13b) * Re(11.19%)) + (D(5.93b)/V(6.13b) * Rd(3.15%) * (1-Tc(0.22)))
Shares Correlation 5-Years: 90.0 | Cagr: 106.7%
Discount Rate = 11.19% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 57.73% ; FCFE base≈1.09b ; Y1≈713.1m ; Y5≈326.1m
Fair Price DCF = 60.95 (DCF Value 4.18b / Shares Outstanding 68.6m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 34.44 | Revenue CAGR: -29.39%
Rev Growth-of-Growth: -89.37
EPS Correlation: -59.11 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -90.26

Additional Sources for CNF Stock

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