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CNF

CNF

CNFinance Holdings Limited

$6.01
-0.33
 (-5.21%)
Exchange:  
Market Cap:  18.007M
Shares Outstanding:  3.589M
Delayed data
Calculate CNF Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Financial – MortgagesView industry performance
   
CEO:  Zhai Bin
Full Time Employees:  691
Address: 
Tower G
Guangzhou
510620
CN
Website:  https://www.cashchina.cn
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.

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
CNCNF logoCNFCNFinance Holdings Limited18.0M—57.51.9%
GHGHI logoGHIGreystone Housing Impact Investors LP140.4M—12.7-0.2%
BEBETR logoBETRBetter Home & Finance Holding Company190.5M——-7.9%
LDLDI logoLDIloanDepot, Inc.225.4M—4.543.2%
ONONIT logoONITOnity Group Inc.265.4M1.92.92.6%
VEVEL logoVELVelocity Financial, Inc.621.0M5.85.6114.2%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/08/28 — Q2 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue1,887,807.6401,842,400.3751,623,366.652
Gross Profit1,559,062.4711,497,185.8451,355,197.449
EBITDA174,828.33300
Operating Income172,584.054564,494.10148,288.519
Net Income135,351.411164,617.56137,784.446

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets14,481,92016,364,345.82415,027,114.542
Total Liabilities7,865,566.38412,355,419.10110,969,556.041
Total Stockholders Equity3,889,3584,008,926.7234,057,558.501
Total Debt7,756,1428,269,688.8545,954,676.655
Cash and Cash Equivalents1,917,2772,550,188.9941,755,866.973

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow919,253.1121,705,760.744757,230.274
Capital Expenditure-89,889.341-114,503.257-7,945.839
Free Cash Flow829,363.7711,591,257.487749,284.435
Net Income135,351.411164,617.56137,784.446
Net Change in Cash-459,253.216229,418.275-831,216.344

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2026Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)907,678.854Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)907,678.854Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)907,678.854Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)74,098.620Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)74,098.620Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)74,098.620Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)2,400.410Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)2,400.410Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)2,400.410Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)334,391.641Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)334,391.641Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)334,391.641Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)0.700Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)0.700Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)0.700Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
0.36
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
-0.29
?Enterprise Value
 (TTM)
: 
4.522B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
-1.25%  ?ROIC
 (TTM)
: 
1.87%
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
1.32
?P/B
 (TTM)
: 
0  ?Current Ratio
 (TTM)
: 
0.41

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
57.54Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about CNF valuation

Is CNFinance Holdings Limited (CNF) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for CNFinance Holdings Limited (CNF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CNF a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CNF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CNF’s P/E ratio?

You can see CNF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CNF?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CNF a good long-term investment?

Whether CNF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CNF

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-5.21
MARKETSnap

Trading Metrics:

Open: 6.3   Previous Close: 6.34
Day Low: 6   Day High: 6.4
Year Low: 2.36   Year High: 13.9
Price Avg 50: 5.4   Price Avg 200: 5.82
Volume: 21410   Average Volume: 16058

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See in Nexus

Relevant news

CNFinance Announces First Half of 2026 Unaudited Financial Results
28-08-2026 16:05
CNFinance Announces First Half of 2026 Unaudited Financial Results
CNFinance Files Annual Report on Form 20-F for Fiscal Year 2025
30-04-2026 16:35
CNFinance Files Annual Report on Form 20-F for Fiscal Year 2025

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