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Financial Services - Financial - Mortgages - NYSE - CN
$ 0.717
0.986 %
$ 2.46 M
Market Cap
2.87
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CNF stock under the worst case scenario is HIDDEN Compared to the current market price of 0.717 USD, CNFinance Holdings Limited is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CNF stock under the base case scenario is HIDDEN Compared to the current market price of 0.717 USD, CNFinance Holdings Limited is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CNF stock under the best case scenario is HIDDEN Compared to the current market price of 0.717 USD, CNFinance Holdings Limited is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CNF

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$1.7$1.7$1.6$1.6$1.5$1.5$1.4$1.4$1.3$1.3$1.2$1.2$1.1$1.1$1.0$1.0$0.9$0.9$0.8$0.8$0.7$0.715 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
845 M REVENUE
-21.07%
564 M OPERATING INCOME
-41.04%
165 M NET INCOME
21.62%
1.71 B OPERATING CASH FLOW
85.56%
-2.48 B INVESTING CASH FLOW
-126.18%
1.01 B FINANCING CASH FLOW
448.96%
177 M REVENUE
0.00%
129 M OPERATING INCOME
0.00%
24 M NET INCOME
0.00%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
0.00%
0 FINANCING CASH FLOW
0.00%
Balance Sheet CNFinance Holdings Limited
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Current Assets 2 B
Cash & Short-Term Investments 2 B
Receivables 572 M
Other Current Assets -572 M
Non-Current Assets 14.8 B
Long-Term Investments 452 M
PP&E 36 M
Other Non-Current Assets 14.3 B
11.90 %3.40 %85.19 %Total Assets$16.8b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 18.8 B
Long-Term Debt 8.27 B
Other Non-Current Liabilities 10.5 B
43.96 %56.04 %Total Liabilities$18.8b
EFFICIENCY
Earnings Waterfall CNFinance Holdings Limited
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Revenue 845 M
Cost Of Revenue 0
Gross Profit 845 M
Operating Expenses 280 M
Operating Income 564 M
Other Expenses 400 M
Net Income 165 M
900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m00845m0845m(280m)564m(400m)165mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
66.84% OPERATING MARGIN
66.84%
19.49% NET MARGIN
19.49%
4.11% ROE
4.11%
1.01% ROA
1.01%
2.69% ROIC
2.69%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CNFinance Holdings Limited
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2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002017201720182018201920192020202020212021202220222023202320242024
Net Income 165 M
Depreciation & Amortization 1.75 M
Capital Expenditures -115 M
Stock-Based Compensation 7.52 M
Change in Working Capital 77 M
Others 1.55 B
Free Cash Flow 1.59 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets CNFinance Holdings Limited
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CNF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership CNFinance Holdings Limited
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Sold
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9-12 MONTHS
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Bought
0 USD 0
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0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Statement from CNFinance Holdings Limited ‌‌GUANGZHOU, China , March 19, 2025 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced the following statements to address recent market news involving "Fanhua (泛華)": In November 2024, the Company's name changed from "CNFinance Holdings Limited 泛華金融控股有限公司"  to "CNFinance Holdings Limited 深泛联控股有限公司." Entities currently operating under the name "Fanhua (泛華)" are not the Company's affiliates, nor do they have an operational relationship with the Company. prnewswire.com - 1 month ago
CNFinance Announces Change of Auditor GUANGZHOU, China , Dec. 6, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced the dismissal of KPMG Huazhen LLP ("KPMG"), the Company's independent registered public accounting firm, and appointment of HTL International, LLC ("HTL") as the Company's independent registered public accounting firm for the fiscal year ended December 31, 2024, effective December 6, 2024. The appointment of HTL was made after a careful and thorough evaluation process and has been approved by the audit committee of the Company's board of directors. prnewswire.com - 4 months ago
CNFinance Announces Change of Name and the Results of its Extraordinary General Meeting GUANGZHOU, China , Nov. 29, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced the results of its extraordinary general meeting of shareholders held at 44/F, Tower G, NO. 16 Zhujiang Dong Road, Tianhe District, Guangzhou City, Guangdong Province, People's Republic of China, at 10:00 AM (Hong Kong time) on November 29, 2024. prnewswire.com - 4 months ago
CNFinance to Hold an Extraordinary General Meeting on November 29, 2024 GUANGZHOU, China , Oct. 30, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced that it will hold an Extraordinary General Meeting of Shareholders (the "EGM") at 44/F, Tower G, NO. 16 Zhujiang Dong Road, Tianhe District, Guangzhou City, Guangdong Province, People's Republic of China, at 10:00 AM ( Hong Kong Time) on November 29, 2024. prnewswire.com - 5 months ago
“IDEMITSU IFG Plantech Racing” was adopted for use in the “MAZDA SPIRIT RACING ROADSTER CNF concept” racing car that competed in the “SUZUKA S Endurance Race” and completed the course TOKYO--(BUSINESS WIRE)--A new engine oil, “IDEMITSU IFG Plantech Racing” developed by Idemitsu Kosan Co., Ltd. (Head Office: Chiyoda-ku, Tokyo; Representative Director, President and Chief Executive Officer: Shunichi Kito; hereinafter referred to as “Idemitsu”) was adopted for use in the “MAZDA SPIRIT RACING ROADSTER CNF concept” racing car that participated in the ST-Q Class*1 of the SUZUKA Super Taikyu race (held on September 28-29). IDEMITSU IFG Plantech Racing was adopted as an oil with rac. businesswire.com - 6 months ago
CNFinance Announces First Half of 2024 Unaudited Financial Results GUANGZHOU, China , Aug. 27, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced its unaudited financial results for the first half of 2024 ended June 30, 2024. First Half of 2024 Operational and Financial Highlights Total outstanding loan principal[1] was RMB16.0 billion (US$2.2 billion) as of June 30, 2024, representing an increase of 9.6% from RMB14.6 billion as of June 30, 2023. prnewswire.com - 7 months ago
CNFinance to Report the First Half of 2024 Financial Results on Tuesday, August 27, 2024 GUANGZHOU, China , Aug. 21, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced that it will report its unaudited financial results for the first half of 2024, before U.S. markets open on Tuesday, August 27, 2024. CNFinance's management will host an earnings conference call at 8:00 AM U.S. Eastern Time on Tuesday, August 27, 2024 (8:00 PM Beijing/ Hong Kong Time on Tuesday, August 27, 2024). prnewswire.com - 7 months ago
CNFinance Announces Expansion of Share Repurchase Program GUANGZHOU, China , May 27, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced its board of directors has increased its share repurchase authorization to US$30.0 million, expanding the USD$20.0 million share repurchase authorization granted in March 2022, commencing on May 27, 2024. In March 2022, the Company's board of directors authorized a share repurchase program under which the Company may repurchase up to US$20.0 million of its ordinary shares in the form of American depositary shares ("ADSs") during a period of up to 12 months. prnewswire.com - 10 months ago
CNFinance to Hold Annual General Meeting on June 7, 2024 GUANGZHOU, China , May 24, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced that it will hold its annual general meeting of shareholders (the "AGM") at 44/F, Tower G, No. 16 Zhujiang Dong Road, Tianhe District, Guangzhou City, Guangdong Province 510620, People's Republic of China on June 7, 2024 at 9:30 a.m. prnewswire.com - 10 months ago
CNFinance Files Annual Report on Form 20-F for Fiscal Year 2023 GUANGZHOU, China , April 26, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced that it filed its annual report on Form 20-F for the fiscal year ended December 31, 2023 with the U.S. Securities and Exchange Commission ("SEC") on April 26, 2024. The annual report can be accessed on the Company's investor relations website at http://ir.cashchina.cn as well as the SEC's website at http://www.sec.gov. prnewswire.com - 11 months ago
CNFinance Holdings Limited (CNF) Q4 2023 Earnings Call Transcript CNFinance Holdings Limited (CNF) Q4 2023 Earnings Call Transcript seekingalpha.com - 1 year ago
CNFinance Announces Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results GUANGZHOU, China , March 28, 2024 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2023. Fourth Quarter 2023 Operational and Financial Highlights Total outstanding loan principal[1] was RMB16.0 billion (US$2.2 billion) as of December 31, 2023, representing an increase of 17.6% from RMB13.6 billion as of December 31, 2022. prnewswire.com - 1 year ago
8. Profile Summary

CNFinance Holdings Limited CNF

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COUNTRY CN
INDUSTRY Financial - Mortgages
MARKET CAP $ 2.46 M
Dividend Yield 0.00%
Description 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.
Contact Tower G, Guangzhou, 510620 https://www.cashchina.cn
IPO Date Nov. 7, 2018
Employees 897
Officers Ms. Jing Li Acting Chief Financial Officer, Assistant President and Head of Department of Finance & Internal Control Mr. Zhai Bin Chairman & Chief Executive Officer Mr. Jun Qian Vice President & Director Mr. Christian Arnell Investor Relations Officer, Christensen IR