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CNF vs RCG

CNF
CNFinance Holdings Limited
BEARISH
Price
$2.72
Market Cap
$18.7M
Sector
Financial Services
AI Confidence
95%
RCG
RENN Fund, Inc.
BEARISH
Price
$2.78
Market Cap
$19.5M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CNF
--
RCG
25.27
Forward P/E
CNF
267.93
RCG
--
P/B Ratio
CNF
0.03
RCG
0.98
P/S Ratio
CNF
0.05
RCG
59.56
EV/EBITDA
CNF
--
RCG
--

Profitability

Gross Margin
CNF
60.37%
RCG
100.0%
Operating Margin
CNF
-60.6%
RCG
-39.89%
Profit Margin
CNF
-14.04%
RCG
242.44%
ROE
CNF
-1.25%
RCG
4.07%
ROA
CNF
-0.34%
RCG
0.05%

Growth

Revenue Growth
CNF
-75.1%
RCG
-46.2%
Earnings Growth
CNF
--
RCG
-79.4%

Financial Health

Debt/Equity
CNF
1.32
RCG
--
Current Ratio
CNF
3.59
RCG
0.4
Quick Ratio
CNF
2.02
RCG
0.2

Dividends

Dividend Yield
CNF
--
RCG
0.77%
Payout Ratio
CNF
0.0%
RCG
19.5%

AI Verdict

CNF BEARISH

CNF exhibits a fragile financial profile with a Piotroski F-Score of 4/9, placing it in the 'stable' but lower-tier health category. The company is experiencing a catastrophic collapse in fundamentals, highlighted by a -75.10% YoY revenue decline and a technical trend score of 0/100. While the Price-to-Book ratio of 0.03 suggests extreme undervaluation, this is likely a 'value trap' given the negative operating margins (-60.60%) and a consistent track record of missing earnings estimates. The combination of plummeting price action and evaporating revenue indicates a business in severe distress.

Strengths
Strong current ratio (3.59) indicating short-term liquidity
Healthy quick ratio (2.02) suggesting ability to cover immediate liabilities
Extremely low Price-to-Book ratio (0.03) if assets remain intact
Risks
Catastrophic revenue decline of -75.10% YoY
Severe operating inefficiency with -60.60% operating margin
Extreme negative price momentum (down 92.6% over 5 years)
RCG BEARISH

RCG exhibits significant financial instability characterized by a Piotroski F-Score of 4/9 and a critical liquidity shortage with a current ratio of 0.40. While the stock trades near its Graham Number ($2.65), it is priced substantially above its growth-based intrinsic value of $0.77. Severe contractions in both revenue (-46.20%) and earnings (-79.40%) suggest a deteriorating business model. The combination of a 0/100 technical trend and poor liquidity makes this a high-risk profile.

Strengths
Price/Book ratio of 0.98 indicates the stock is trading near its accounting book value
P/E ratio (25.27) is lower than the financial services sector average (35.18)
Low dividend payout ratio (19.50%) suggests the current small dividend is covered by earnings
Risks
Severe liquidity risk with a Current Ratio of 0.40 and Quick Ratio of 0.20
Catastrophic earnings collapse with YoY growth at -79.40%
Significant revenue decline of -46.20% YoY

Compare Another Pair

CNF vs RCG: Head-to-Head Comparison

This page compares CNFinance Holdings Limited (CNF) and RENN Fund, Inc. (RCG) 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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