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Upturn AI SWOT - About
CNFinance Holdings Ltd (CNF)
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Upturn Advisory Summary
09/17/2025: CNF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20.09
1 Year Target Price $20.09
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -61.86% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 20.54M USD | Price to earnings Ratio - | 1Y Target Price 20.09 |
Price to earnings Ratio - | 1Y Target Price 20.09 | ||
Volume (30-day avg) 1 | Beta 0.04 | 52 Weeks Range 2.36 - 28.40 | Updated Date 09/17/2025 |
52 Weeks Range 2.36 - 28.40 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.12 |
Earnings Date
Report Date 2025-08-28 | When - | Estimate - | Actual -0.6 |
Profitability
Profit Margin -14.04% | Operating Margin (TTM) -60.61% |
Management Effectiveness
Return on Assets (TTM) -0.34% | Return on Equity (TTM) -1.25% |
Valuation
Trailing PE - | Forward PE 1.53 | Enterprise Value 8612341760 | Price to Sales(TTM) 0.06 |
Enterprise Value 8612341760 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 9.45 | Enterprise Value to EBITDA - | Shares Outstanding 6858220 | Shares Floating 910661353 |
Shares Outstanding 6858220 | Shares Floating 910661353 | ||
Percent Insiders 2.18 | Percent Institutions 20.5 |
Upturn AI SWOT
CNFinance Holdings Ltd
Company Overview
History and Background
CNFinance Holdings Limited was founded in 2006. The company primarily operates as a loan facilitation service provider in China, connecting borrowers with institutional funding partners. It has evolved from focusing on small and micro enterprises to serving a broader range of borrowers.
Core Business Areas
- Loan Facilitation: Connects borrowers, primarily micro and small business owners, with institutional funding partners. This includes credit assessment, loan matching, and post-loan monitoring.
Leadership and Structure
The leadership team includes key executives responsible for strategy, operations, and finance. The organizational structure is hierarchical, with departments overseeing various business functions.
Top Products and Market Share
Key Offerings
- Micro and Small Business Loans: CNFinance facilitates loans to micro and small business owners. Market share data is fragmented but competes with traditional banks and other online lending platforms. Competitors include LendingClub and various local Chinese lenders.
Market Dynamics
Industry Overview
The industry involves online loan facilitation in China, experiencing fluctuating regulatory environments. Growth potential exists but is subject to government policies and economic conditions.
Positioning
CNFinance focuses on serving a specific segment of borrowers, differentiating itself through its operational experience and risk management practices.
Total Addressable Market (TAM)
The TAM for SME lending in China is substantial, estimated in the trillions of USD. CNFinance's positioning allows it to capture a portion of this market, but its growth is capped by regulation and market conditions.
Upturn SWOT Analysis
Strengths
- Established platform in China
- Experience in risk management
- Partnerships with institutional lenders
Weaknesses
- Concentration in the Chinese market
- Dependence on regulatory environment
- Limited brand recognition outside China
Opportunities
- Expansion into new product offerings
- Strategic partnerships with other financial institutions
- Leveraging technology for improved efficiency
Threats
- Increased competition from other online lending platforms
- Changes in Chinese regulations
- Economic downturns impacting borrowers' ability to repay
Competitors and Market Share
Key Competitors
- LendingClub (LC)
- OPRT
- QFIN
Competitive Landscape
CNFinance Holdings faces significant competition in the Chinese online lending market, requiring ongoing innovation and adaptation to changing market conditions.
Growth Trajectory and Initiatives
Historical Growth: Requires access to financial databases to discuss growth trends over the past years.
Future Projections: Requires access to analyst reports to provide projections for future growth.
Recent Initiatives: Recent strategic initiatives would need to be gathered through company press releases and financial reports.
Summary
CNFinance Holdings faces challenges in the competitive Chinese market and fluctuating regulations. Strategic partnerships and technology adoption are essential for growth, while managing regulatory risks and economic downturns remains crucial for its long-term viability. Financials are not as strong as others. CNFinance is relatively weak.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company press releases, industry reports, competitor analysis, public filings.
Disclaimers:
This analysis is based on publicly available information and is subject to change. Financial data and market share figures may not be precise due to limited availability and reporting inconsistencies. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CNFinance Holdings Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2018-11-07 | Chairman & CEO Mr. Zhai Bin | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 691 | Website https://www.cashchina.cn |
Full time employees 691 | Website https://www.cashchina.cn | ||
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. The company offers micro credit loan services for micro and small-enterprise owners; loan facilitation, post-facilitation, and guarantee services for commercial banks; and loan lending agency services for financial institutions. It also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
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