CNFinance Holdings Financials

CNF Stock  USD 5.00  0.18  3.73%   
Based on the key indicators related to CNFinance Holdings' liquidity, profitability, solvency, and operating efficiency, CNFinance Holdings is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, CNFinance Holdings' Other Liabilities is most likely to increase significantly in the upcoming years. The CNFinance Holdings' current Property Plant And Equipment Net is estimated to increase to about 223.2 M, while Total Current Liabilities is projected to decrease to roughly 6.7 B. Key indicators impacting CNFinance Holdings' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.02240.0236
Notably Down
Slightly volatile
Return On Assets0.00240.0025
Notably Down
Slightly volatile
Return On Equity0.00880.0093
Notably Down
Slightly volatile
Debt Equity Ratio1.391.4676
Notably Down
Slightly volatile
Operating Income45.9 M48.3 M
Notably Down
Pretty Stable
Current Ratio0.240.2535
Notably Down
Pretty Stable
Investors should never underestimate CNFinance Holdings' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CNFinance Holdings' cash flow, debt, and profitability to make informed and accurate decisions about investing in CNFinance Holdings.

Cash And Equivalents

1.93 Billion

  
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Understanding current and past CNFinance Holdings Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CNFinance Holdings' financial statements are interrelated, with each one affecting the others. For example, an increase in CNFinance Holdings' assets may result in an increase in income on the income statement.

CNFinance Holdings Stock Summary

CNFinance Holdings competes with Oxbridge, Carver Bancorp, Roman DBDR, Mountain Lake, and Garden Stage. CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the Peoples Republic of China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the Peoples Republic of China. Cnfinance Holdings operates under Mortgage Finance classification in the United States and is traded on New York Stock Exchange. It employs 901 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS18979T1051
Business AddressSouth Finance Center,
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.cashchina.cn
Phone86 20 6231 6688
CurrencyUSD - US Dollar

CNFinance Holdings Key Financial Ratios

CNFinance Holdings Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets12.2B14.4B14.5B16.4B15.0B16.0B
Other Current Liab418.9M142.4M(184.5M)(201.6M)1.5B899.5M
Other Liab144.2M1.6B1.8B2.3B2.7B2.8B
Net Tangible Assets3.0B3.6B3.7B3.8B4.4B3.1B
Net Debt3.6B5.7B5.8B5.7B4.2B4.8B
Retained Earnings2.8B2.8B3.0B3.1B3.1B2.6B
Cash2.1B2.4B1.9B2.6B1.8B2.1B
Other Assets9.2B9.6B(16.4T)(1.0B)15.0B15.8B
Long Term Debt5.6B8.0B7.7B8.2B578.4M549.5M
Net Receivables37.6M272.1M282.6M572.2M1.0B1.1B
Good Will(338.0)(126.0)(372.0)267.0307.05322.4
Long Term Debt Total6.7B5.6B8.0B7.7B7.0B6.6B
Capital Surpluse937.6M999.7M1.0B1.0B1.2B920.4M
Other Current Assets9.2B10.9B(251.4M)(695.1M)(1.0B)(953.0M)
Total Liab5.9B8.3B7.9B12.4B11.0B8.1B
Total Current Assets2.5B3.7B16.4T2.6B1.8B1.7B
Cash And Equivalents1.7B2.0B2.2B1.8B2.0B1.9B
Short Term Debt508.6M45.3M112.6M7.1B5.4B5.6B
Intangible Assets3.2M4.0M3.5M3.0M3.1M2.8M
Net Invested Capital9.4B11.9B11.6B12.3B10.0B9.4B

CNFinance Holdings Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision47.8M28.8M34.8M45.9M10.5M10.0M
Net Interest Income1.1B1.0B1.0B1.0B744.1M1.0B
Interest Income1.8B1.8B1.8B1.8B1.5B1.8B
Interest Expense731.3M775.6M784.8M723.1M794.5M792.4M
Total Revenue1.0B887.1M1.8B1.8B1.6B1.7B
Gross Profit1.0B900.8M695.7M995.5M625.3M594.0M
Operating Income702.8M611.7M172.6M205.6M48.3M45.9M
Ebit162.7M93.8M172.6M205.6M48.3M45.9M
Research Development10.0M1.6M760.5K1.8M1.0M959.7K
Ebitda168.8M97.6M174.8M207.4M59.8M56.8M
Cost Of Revenue398.2M471.7M1.0B841.7M771.8M453.5M
Income Before Tax162.7M93.8M172.6M205.6M48.3M45.9M
Net Income114.9M65.2M135.4M164.6M37.8M35.9M
Income Tax Expense47.8M28.6M37.2M41.0M10.5M10.0M

CNFinance Holdings Key Cash Accounts

202020212022202320242025 (projected)
Investments236.0M(2.4B)(1.1B)(2.5B)(263.7M)(276.9M)
Change In Cash255.6M270.5M(459.3M)229.4M(831.2M)(789.7M)
Free Cash Flow1.1B685.9M829.4M1.6B749.3M1.1B
Depreciation6.0M3.8M2.2M1.8M11.5M6.0M
Other Non Cash Items618.9M729.4M1.2B1.5B1.1B711.5M
Capital Expenditures3.2M3.8M89.9M114.5M7.9M7.5M
Net Income114.9M65.2M135.4M164.6M37.8M35.9M
End Period Cash Flow2.0B2.2B1.8B2.0B1.2B1.9B

CNFinance Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CNFinance Holdings's current stock value. Our valuation model uses many indicators to compare CNFinance Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CNFinance Holdings competition to find correlations between indicators driving CNFinance Holdings's intrinsic value. More Info.
CNFinance Holdings is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers . At this time, CNFinance Holdings' Return On Equity is most likely to slightly decrease in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value CNFinance Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

CNFinance Holdings Systematic Risk

CNFinance Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CNFinance Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on CNFinance Holdings correlated with the market. If Beta is less than 0 CNFinance Holdings generally moves in the opposite direction as compared to the market. If CNFinance Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CNFinance Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CNFinance Holdings is generally in the same direction as the market. If Beta > 1 CNFinance Holdings moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CNFinance Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CNFinance Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CNFinance Holdings growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0676)

At this time, CNFinance Holdings' Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

CNFinance Holdings November 2, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CNFinance Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CNFinance Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of CNFinance Holdings based on widely used predictive technical indicators. In general, we focus on analyzing CNFinance Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CNFinance Holdings's daily price indicators and compare them against related drivers.

Complementary Tools for CNFinance Stock analysis

When running CNFinance Holdings' price analysis, check to measure CNFinance Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CNFinance Holdings is operating at the current time. Most of CNFinance Holdings' value examination focuses on studying past and present price action to predict the probability of CNFinance Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CNFinance Holdings' price. Additionally, you may evaluate how the addition of CNFinance Holdings to your portfolios can decrease your overall portfolio volatility.
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