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CNF vs MA

CNF
CNFinance Holdings Limited
BEARISH
Price
$2.85
Market Cap
$19.5M
Sector
Financial Services
AI Confidence
95%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CNF
--
MA
30.28
Forward P/E
CNF
280.73
MA
22.05
P/B Ratio
CNF
0.03
MA
57.74
P/S Ratio
CNF
0.05
MA
13.6
EV/EBITDA
CNF
--
MA
22.13

Profitability

Gross Margin
CNF
60.37%
MA
100.0%
Operating Margin
CNF
-60.6%
MA
57.73%
Profit Margin
CNF
-14.04%
MA
45.65%
ROE
CNF
-1.25%
MA
209.91%
ROA
CNF
-0.34%
MA
23.72%

Growth

Revenue Growth
CNF
-75.1%
MA
17.6%
Earnings Growth
CNF
--
MA
24.2%

Financial Health

Debt/Equity
CNF
1.32
MA
2.56
Current Ratio
CNF
3.59
MA
1.03
Quick Ratio
CNF
2.02
MA
0.68

Dividends

Dividend Yield
CNF
--
MA
0.7%
Payout Ratio
CNF
0.0%
MA
18.4%

AI Verdict

CNF BEARISH

CNF exhibits a precarious financial profile characterized by a Piotroski F-Score of 4/9, indicating only marginal stability amidst a severe operational collapse. The company is experiencing a catastrophic revenue decline of 75.10% YoY and negative profit margins, suggesting a failing business model in the mortgage finance sector. While the Price-to-Book ratio of 0.03 suggests extreme undervaluation, the technical trend is 0/100 (strongly bearish) and the stock has lost over 92% of its value over five years. The combination of crashing revenues and a Forward P/E of 280.73 indicates that the market expects minimal to no earnings recovery.

Strengths
Extremely low Price-to-Book ratio (0.03)
Strong Current Ratio (3.59) indicating short-term liquidity
Healthy Quick Ratio (2.02)
Risks
Catastrophic Revenue Growth decline (-75.10% YoY)
Severe negative Operating Margin (-60.60%)
Consistent earnings misses (0/4 beats in last 4 quarters)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CNF vs MA: Head-to-Head Comparison

This page compares CNFinance Holdings Limited (CNF) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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