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Company Analysis

CNFinance Holdings Limited CNF

A comprehensive view of key metrics, scores, and financial health for CNFinance Holdings Limited

Overview of CNFinance Holdings Limited

CNF NYQ
Financial Services Mortgage Finance Micro Cap
CNFinance Holdings Limited (CNF), is a Micro Cap company, in the Mortgage Finance industry, last closed at $4.80, about 12577.1% undervalued vs fair value, -45.5% 1Y return, ranked 753/1004 in sector.
$4.80
0.00%
As of March 13, 2026
Previous close • Vol 90d: 75.0%
52-Week Range
Market Cap
$33.42M
Enterprise Value
$2.20B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.cashchina.cn
HQ Guangzhou
Employees 691
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$337
$609
$1140
Current: $4.80 +12577% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.5B
-12.3%%
Interest Expense
$794.5M
Net Interest Income
$744.1M
-27.9%%
Total Revenue
$805.6M
-27.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
0.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.6M
12.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating CNFinance Holdings Limited's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CNF's balance between Growth (25.3%), Profitability (41.3%), and Safety (33.4%). Growth 25% Safety 33% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

34th percentile vs peers
35
Key Signals
Revenue CAGR 3Y 10.5% 86p EPS CAGR 3Y -16.6% 31p Rev Growth YoY -27.7% 13p EPS Growth YoY -75.0% 3p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (10.5%, 86th percentile)
  • Fcf Margin in top 20% of peers (93.0%, 97th percentile)
  • Gross Profit Margin in top 20% of peers (1.03, 96th percentile)
  • Consistently strong margins across 3 metrics
Risks
  • Rev Growth Yoy in bottom 20% of peers (-27.7%)
  • Eps Growth Yoy in bottom 20% of peers (-75.0%)

Profitability

56th percentile vs peers
56
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CNFinance Holdings Limited.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$608.50
- - -
+12577.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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