CNF

BEARISH

$2.85 Live

CNFinance Holdings Limited · NYSE

$2.36 52W Range $9.6

CNF CNFinance Holdings Limited - Fundamental Analysis

BEARISH

Console Chart News

CNF Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Mortgage Finance

Current Price Live

$2.85

52W High

$9.6

52W Low

$2.36

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$19.55M

P/E

N/A

ROE

-1.2%

Profit margin

-14.0%

Debt/Equity

1.32

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

95%

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.

Key Strengths

Extremely low Price-to-Book ratio (0.03)

Strong Current Ratio (3.59) indicating short-term liquidity

Healthy Quick Ratio (2.02)

Low Price-to-Sales ratio (0.05)

Positive Gross Margin (60.37%)

Key Risks

Catastrophic Revenue Growth decline (-75.10% YoY)

Severe negative Operating Margin (-60.60%)

Consistent earnings misses (0/4 beats in last 4 quarters)

Extreme price depreciation (-92.3% over 5 years)

Micro-cap volatility and lack of analyst coverage

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap / High Risk

Key drivers: Revenue collapse, Negative profitability, Technical freefall, Micro-cap status

Confidence

90%

Value

40/100

Ref P/E, P/B, P/S

Positives

P/B of 0.03 is mathematically deep value
P/S of 0.05 is extremely low

Watchpoints

Forward P/E of 280.73 suggests earnings are nearly non-existent
Assets may be impaired given the revenue crash

Future

5/100

Ref Growth rates and Earnings surprises

Positives

No standout positives identified.

Watchpoints

Revenue growth -75.10%
Negative profit margins
Poor earnings surprise track record

Past

10/100

Ref Historical price trends

Positives

No standout positives identified.

Watchpoints

5Y Change: -92.3%
1Y Change: -56.8%
Consistent downward trajectory

Health

50/100

Ref Piotroski F-Score and Liquidity Ratios

Positives

Current Ratio 3.59
Quick Ratio 2.02

Watchpoints

Piotroski F-Score 4/9 (Stable but weak)
Negative ROE and ROA

Dividend

0/100

Ref Yield, Payout

Positives

No standout positives identified.

Watchpoints

No dividend yield
0/100 Dividend Strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$2.85

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CNF and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
CNF CNFinance Holdings Limited Primary	-92.3%	-89.0%	-56.8%	-37.2%	-30.8%	-10.9%
GREE Greenidge Generation Holdings Inc. Peer	-99.5%	-79.0%	+100.0%	-40.6%	-13.0%	+14.3%
ZSTK ZeroStack Corp. Peer	-99.8%	-95.6%	-65.5%	-46.6%	-10.1%	+7.2%
PRHI Presurance Holdings, Inc. Peer	-82.5%	-59.7%	+7.1%	-54.3%	+9.1%	-1.8%
BHV BlackRock Virginia Municipal Bond Trust Peer	-20.3%	+1.4%	+2.7%	+3.0%	+0.3%	-1.0%

CNF

CNFinance Holdings Limited

Primary

-92.3%

-89.0%

-56.8%

-37.2%

-30.8%

-10.9%

GRE

Greenidge Generation Holdings Inc.

Peer

-99.5%

-79.0%

+100.0%

-40.6%

-13.0%

+14.3%

ZST

ZeroStack Corp.

Peer

-99.8%

-95.6%

-65.5%

-46.6%

-10.1%

+7.2%

PRH

Presurance Holdings, Inc.

Peer

-82.5%

-59.7%

+7.1%

-54.3%

+9.1%

-1.8%

BHV

BlackRock Virginia Municipal Bond Trust

Peer

-20.3%

+1.4%

+2.7%

+3.0%

+0.3%

-1.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

280.73

N/A

0.03

0.05

23.38

N/A

$19.55M

Profitability

Profit margins and return metrics

Profit Margin -14.04%

Operating Margin -60.6%

Gross Margin 60.37%

ROE -1.25%

ROA -0.34%

Growth

Revenue and earnings growth rates

Revenue Growth -75.1%

Earnings Growth N/A

Q/Q Revenue Growth N/A

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

1.32

Moderate

Current Ratio

3.59

Strong

Quick Ratio

2.02

Excellent

Cash/Share

$0.59

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q2 2025

Total Assets

$12.5B

Liabilities

$8.5B

Equity

$4.0B

Debt/Equity

2.11x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29

$N/A

2024-03-28

$0.1

-75.0% surprise

2023-11-29

$0.4

2023-08-29

$0.3

-25.0% surprise

Financial Services Sector Comparison

Comparing CNF against 653 companies in the Financial Services sector (117 bullish, 269 neutral, 267 bearish)

Return on Equity (ROE)

-1.25%

This Stock

-0.94%

Sector Avg

+33.4% (Excellent)

Profit Margin

-14.04%

This Stock

58.65%

Sector Avg

-123.9% (Weaker)

Debt to Equity

1.32

This Stock

1.52

Sector Avg

-13.0% (Lower)

Revenue Growth

-75.1%

This Stock

42.21%

Sector Avg

-277.9% (Slower)

Current Ratio

3.59

This Stock

3.58

Sector Avg

+0.1% (Better)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
CNF CNFinance Holdings Limited	BEARISH	$19.55M	-	-1.2%	-14.0%	$2.85
GREE Greenidge Generation Holdings Inc.	BEARISH	$19.47M	3.43	-%	9.0%	$1.2	Compare
ZSTK ZeroStack Corp.	BEARISH	$18.01M	-	-307.5%	-%	$7.41	Compare
PRHI Presurance Holdings, Inc.	BEARISH	$16.91M	-	-120.9%	-49.7%	$0.65	Compare
BHV BlackRock Virginia...	BEARISH	$16.69M	-	-8.0%	-106.1%	$10.51	Compare

CNF CNFinance...

BEARISH

Mkt Cap

$20M

P/E

ROE

-1.2%

Price

$2.85

Compare with CNF

Compare with CNF

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Compare with CNF

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F

ANNUAL REPORT

2025-04-30

CNF filed its 20-F annual report on April 30, 2025. This filing provides the comprehensive annual disclosure of the company's financial performance and operational risk factors.

20-F

ANNUAL REPORT

2024-04-26

CNF filed its annual report on Form 20-F on April 26, 2024. Specific financial highlights and risk factors were not provided in the available metadata.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning CNF from our newsroom.

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CNF

CNF CNFinance Holdings Limited - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

SEC Filings

Past News Coverage

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