CNFinance Holdings Ltd (CNF)
NYSE:CNF
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 - $9.60
Previous CloseN/A
Volume16.17K
Average Volume (3M)62.66K
Market Cap
$21.53M
Enterprise Value$4.46B
Total Cash (Recent Filing)$922.27M
Total Debt (Recent Filing)$5.31B
Price to Earnings (P/E)―
Beta1.08
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
Shares Outstanding6,858,216
10 Day Avg. Volume34,987
30 Day Avg. Volume62,661
Financial Highlights & Ratios
PEG Ratio-0.06
Price to Book (P/B)0.06
Price to Sales (P/S)0.15
P/FCF Ratio0.32
Enterprise Value/Market Cap206.91
Enterprise Value/Revenue12.38
Enterprise Value/Gross Profit12.38
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
Strong Revenue GrowthSustained 83.7% top-line growth indicates rapidly expanding originations and market share in underserved home equity lending. Over 2-6 months this supports scale advantages in origination, strengthens fee income trajectory, and underpins longer-term revenue momentum.
High Cash ConversionNearly 99% FCF-to-net-income conversion shows the business reliably turns accounting profits into cash, enhancing reinvestment capacity, servicing ability, and resilience to credit stress. Durable cash generation lowers refinancing risks and supports sustainable operations.
Asset-light, Partner-funded ModelA fee-centric origination and servicing model with external funding partners reduces capital intensity and credit exposure on the balance sheet. This structural approach supports scalable origination, predictable fee revenue, and flexibility to grow without large increases in funded assets.
Bears Say
Elevated LeverageA 1.47 debt-to-equity ratio signals material leverage that raises refinancing and liquidity risk. Over months, elevated leverage can constrain strategic flexibility, increase funding costs, and amplify earnings volatility if credit or funding conditions tighten.
Weak Profitability MetricsLow net margins and sub-1% ROE show limited ability to convert strong revenue into lasting shareholder returns. Persistently weak profitability curtails retained earnings for growth, limits buffer against credit losses, and challenges long-term capital allocation efficiency.
Governance Risk From Dual-class AdoptionAdoption of a dual-class shareholding structure is a structural governance change that can entrench insiders and weaken minority shareholder protections. Long-term, this may reduce accountability over capital allocation and strategic decisions, affecting investor confidence and oversight.
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 $9.60 in the past 12 months.
What is CNFinance Holdings Ltd’s market cap?
CNFinance Holdings Ltd’s market cap is $21.53M.
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 141 days.
How were CNFinance Holdings Ltd’s earnings last quarter?
Currently, no data Available
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?
Currently, no data Available
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
―
Security National Financial
―
Income Opportunity Realty Investors
―
Velocity Financial
―
Pineapple Financial
―
Ownership Overview
―
Insiders
0.73% Mutual Funds
10.25% Other Institutional Investors
89.02% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---