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
$21.26M
Enterprise Value$2.72B
Total Cash (Recent Filing)$922.27M
Total Debt (Recent Filing)$5.31B
Price to Earnings (P/E)―
Beta1.05
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 Cap128.01
Enterprise Value/Revenue7.56
Enterprise Value/Gross Profit7.56
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
Niche Home-equity Origination NetworkCNFinance’s business model leverages trust and commercial-bank partnerships plus local sales/channel partners to originate MSE home-equity loans. This asset-light origination and distribution network is a durable competitive advantage enabling scale, local reach, and lower capital intensity versus direct retail lenders.
Historically Strong Cash GenerationFrom 2021–2024 CNFinance generated strong operating and free cash flow that closely tracked earnings, providing internal funding for originations and losses. That historical cash-generation capacity supports resilience and funding flexibility if management can restore operating performance over the medium term.
Improving Leverage Trend Into 2024The reduction in debt-to-equity between 2023 and 2024 reflects prior deleveraging efforts that improved financial flexibility. While absolute debt remains meaningful, the improving trend demonstrates management capability to reduce leverage, which is a constructive foundation for balance-sheet repair if profitable operations resume.
Bears Say
Sharp Profitability Deterioration (2025 Loss)The large 2025 loss and substantial revenue decline represent a fundamental break. For a lending franchise, sustained profitability is needed to absorb credit losses, retain capital and fund growth. Prolonged losses can erode equity, limit lending capacity, and force dilutive capital actions or constraint on origination volumes.
Material Cash-flow Downshift In 2025Operating and free cash flow weakened materially in 2025 after several strong years. A sustained downshift reduces the firm’s ability to service debt, fund originations, and cover provisioning without external funding. That increases reliance on wholesale funding and heightens refinancing and liquidity risk over the medium term.
Concentrated Control After Share IssuanceThe May 2026 issuance concentrated control with Kylin (majority capital and ~96.8% voting power). Such concentration raises governance and minority-interest risks, and may shift strategic priorities or related-party dealings. That can affect transparency and minority protections over the medium term.
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 $21.26M.
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 82 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
10.20% Other Institutional Investors
89.09% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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