CNFinance Holdings Ltd (CNF)
NYSE:CNF
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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$2.36 - $8.80
Previous CloseN/A
Volume16.17K
Average Volume (3M)62.66K
Market Cap
$19.55M
Enterprise Value$4.45B
Total Cash (Recent Filing)$922.27M
Total Debt (Recent Filing)$5.31B
Price to Earnings (P/E)―
Beta1.04
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-146.40
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 Cap227.86
Enterprise Value/Revenue12.37
Enterprise Value/Gross Profit12.37
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
Partnership-driven Origination ModelCNFinance’s model leverages trust and commercial bank partnerships plus local sales/channel partners to originate and service home-equity loans. That structure provides durable funding flexibility and scalable distribution in lower-tier cities, reducing single-source risk and supporting steady loan flow over months.
Historically Strong Cash GenerationFrom 2021–2024 CNFinance produced strong operating and free cash flow, often tracking net income closely and generating sizable FCF in 2023–2024. This historical cash quality implies capacity to fund originations, service debt, and absorb shocks, offering a structural buffer if performance stabilizes.
Maintains U.S. Reporting And Listing ComplianceFiling the 20‑F sustains CNFinance’s compliance with U.S. disclosure requirements, preserving access to international capital and ADS investors. Consistent external reporting supports governance, investor scrutiny, and longer-term funding options critical for an originator reliant on third-party financing.
Bears Say
Sharp Profitability Deterioration In 2025A swing from modest profits to a sizeable 2025 loss indicates impaired core underwriting economics and revenue instability. Persistent negative operating profits erode capital, reduce reinvestment capacity, and raise the probability that underwriting, pricing, or credit controls need durable remediation to restore margins.
Weakened Operating Cash Flow And Lower LiquidityOperating cash swung to an outflow in early 2025 and available cash roughly halved, forcing reliance on loan sales and asset runoff. Reduced liquidity constrains origination capacity, increases refinancing risk for interest-bearing borrowings, and makes the firm more sensitive to funding-market stress over the coming months.
Elevated Leverage With Debt Rising In 2025Despite earlier ratio improvement, rising absolute debt alongside falling equity in 2025 leaves limited capital cushions. Elevated leverage increases vulnerability to funding cost hikes and credit losses, pressures net interest margins, and constrains strategic flexibility for balance-sheet dependent lenders over a multi-month horizon.
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 $2.35 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 $19.55M.
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 118 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, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates a network of 63 branches and sub-branches, which included 14 branches and sub-branches in the Pearl River Delta region, 7 branches and sub-branches in the Yangtze River Delta region, and 42 branches and sub-branches in other areas in approximately 50 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
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
5.75% Other Institutional Investors
93.54% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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