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CNF Stock Chart & Stats
$5.25
$0.05(5.34%)
At close: 4:00 PM EST
$5.25
$0.05(5.34%)
Day’s Range― - ―
52-Week Range$2.20 - $8.80
Previous CloseN/A
Volume16.17K
Average Volume (3M)62.66K
Market Cap
$16.12M
Enterprise Value$596.19
Total Cash (Recent Filing)$820.25M
Total Debt (Recent Filing)$3.45B
Price to Earnings (P/E)―
Beta0.89
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-1350.80
Shares Outstanding6,858,216
10 Day Avg. Volume34,987
30 Day Avg. Volume62,661
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)<0.01
Price to Sales (P/S)0.02
P/FCF Ratio0.18
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.7
Revenue Forecast (FY)$907.67M
Bulls Say, Bears Say
Bulls Say
Asset-light Partnership Origination ModelCNFinance’s model leverages third-party funding (trusts/banks) and local sales/service partners to originate and service home-equity loans. This reduces capital intensity and distributes credit decisioning, supporting scalable origination and limiting direct credit concentration risk over the medium term.
Historically Strong Cash GenerationFrom 2021–2024 CNFinance converted earnings into operating and free cash flow at near 1x, showing high cash quality and operational cash conversion. That track record indicates the business can generate internal funding for operations and debt service in normal cycles, enhancing resilience.
Leverage Improved Into 2024The reduction in debt-to-equity into 2024 reflects prior de-risking momentum and management focus on balance-sheet repair. Sustained deleveraging can improve funding flexibility and lower interest burden, making the business structurally more capable of withstanding stress.
Bears Say
2025 Earnings And Cash-flow DeteriorationThe 2025 swing to a large loss and materially weaker operating and free cash flow is a structural red flag: it depletes equity, strains liquidity, likely increases funding costs and partner scrutiny, and reduces the firm’s capacity to originate loans without external capital support.
Rising Absolute Debt And Falling Equity In 2025Higher absolute debt combined with falling equity raises solvency and refinancing risks. Elevated leverage limits strategic flexibility, increases default vulnerability under stress, and can force asset reductions or tightened origination, undermining long-term growth prospects.
Control Concentration Via Recent Share IssuanceThe issuance that concentrated voting power with Kylin materially alters governance and minority protections. High control concentration can enable rapid strategic shifts or related-party decisions that may not align with minority holders, potentially complicating capital access and transparency.
CNFinance Holdings News
CNF FAQ
What was CNFinance Holdings Ltd’s price range in the past 12 months?
CNFinance Holdings Ltd lowest stock price was $2.20 and its highest was $8.80 in the past 12 months.
What is CNFinance Holdings Ltd’s market cap?
CNFinance Holdings Ltd’s market cap is $16.12M.
When is CNFinance Holdings Ltd’s upcoming earnings report date?
CNFinance Holdings Ltd’s upcoming earnings report date is Sep 01, 2026 which is in 38 days.
How were CNFinance Holdings Ltd’s earnings last quarter?
CNFinance Holdings Ltd released its earnings results on Mar 24, 2026. The company reported -$8.801 earnings per share for the quarter, missing the consensus estimate of $0 by -$8.801.
Is CNFinance Holdings Ltd overvalued?
According to Wall Street analysts CNFinance Holdings Ltd’s price is currently Overvalued.
Does CNFinance Holdings Ltd pay dividends?
CNFinance Holdings Ltd does not currently pay dividends.
What is CNFinance Holdings Ltd’s EPS estimate?
CNFinance Holdings Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does CNFinance Holdings Ltd have?
CNFinance Holdings Ltd has 6,858,216 shares outstanding.
What happened to CNFinance Holdings Ltd’s price movement after its last earnings report?
CNFinance Holdings Ltd reported an EPS of -$8.801 in its last earnings report, missing expectations of $0. Following the earnings report the stock price went down -9.137%.
Which hedge fund is a major shareholder of CNFinance Holdings Ltd?
Currently, no hedge funds are holding shares in CNF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
CNFinance Holdings Ltd
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. Additionally, it provides bridge financing, which consists of unsecured, short-term loans intended to help clients repay existing debts secured by real property. Established in 1999 and headquartered in Guangzhou, CNFinance maintains a significant operational presence, with a network of 63 branches and sub-branches spread across approximately 50 cities in China. This network includes 14 locations within the Pearl River Delta region, 7 in the Yangtze River Delta region, and an additional 42 facilities in other parts of the country.
Technical Analysis
Greystone Housing Impact Investors
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Security National Financial
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Income Opportunity Realty Investors
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Velocity Financial
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Pineapple Financial
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Ownership Overview
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Insiders
0.71% Mutual Funds
<0.01% Other Institutional Investors
99.29% Public Companies and
Individual Investors