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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 Framework: Banks & Lenders Micro Cap
CNFinance Holdings Limited (CNF), is a Micro Cap company, in the Mortgage Finance industry, last closed at $3.10, about 19529.0% undervalued vs fair value, -38.0% 1Y return, ranked 756/1037 in sector.
USD 3.10
0.00%
(Delayed)
• Vol 90d: 84.9%
52-Week Range
Market Cap
$52.26M
Enterprise Value
$2.22B
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

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$337
$609
$1140
Current: $3.10 +19529% 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
32
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
36
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For informational purposes only. Not investment advice.

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 (6.6%), Profitability (35.1%), and Safety (58.3%). Growth 7% Safety 58% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

7th percentile vs peers
7
Key Signals
Equity Growth YoY 1.2% 16p EPS Growth YoY -75.0% 9p Asset Growth YoY -8.2% 3p NII Growth YoY -27.9% 3p
Strengths
  • Efficiency Ratio in top 20% of peers (96.8%, 92th percentile)
  • Equity/Assets in top 20% of peers (27.0%, 93th percentile)
  • Debt/Assets in top 20% of peers (39.6%, 92th percentile)
  • D/E Ratio in top 20% of peers (1.47, 82th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 7)
  • Equity Growth YoY in bottom 20% of peers (1.2%)
  • EPS Growth YoY in bottom 20% of peers (-75.0%)
  • Asset Growth YoY in bottom 20% of peers (-8.2%)
  • NII Growth YoY in bottom 20% of peers (-27.9%)

Profitability

38th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
64
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CNFinance Holdings Limited.

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
- - -
+19529.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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