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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 $2.72, about 22271.3% undervalued vs fair value, -64.2% 1Y return, ranked 752/1037 in sector.
$2.72
-7.80%
As of April 28, 2026
Previous close • Vol 90d: 94.9%
52-Week Range
Market Cap
$18.65M
Enterprise Value
$2.18B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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: $2.72 +22271% 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

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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
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
71
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing CNF's balance between Growth (16.0%), Profitability (42.5%), and Safety (41.5%). Growth 16% Safety 41% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

17th percentile vs peers
18
Key Signals
Equity Growth YoY 1.2% 46p NII Growth YoY -27.9% 20p Asset Growth YoY -8.2% 5p EPS Growth YoY -75.0% 6p
Strengths
  • Equity/Assets in top 20% of peers (27.0%, 83th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 17)
  • NII Growth YoY in bottom 20% of peers (-27.9%)
  • Asset Growth YoY in bottom 20% of peers (-8.2%)
  • EPS Growth YoY in bottom 20% of peers (-75.0%)

Profitability

47th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

46th 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
- - -
+22271.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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