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CNFinance Holdings Ltd (CNF)



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Upturn Advisory Summary
02/18/2025: CNF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type Stock | Historic Profit -63.62% | Avg. Invested days 37 | Today’s Advisory WEAK BUY |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 76.81M USD | Price to earnings Ratio 4.47 | 1Y Target Price 5 |
Price to earnings Ratio 4.47 | 1Y Target Price 5 | ||
Volume (30-day avg) 31985 | Beta 0.01 | 52 Weeks Range 0.81 - 2.84 | Updated Date 02/16/2025 |
52 Weeks Range 0.81 - 2.84 | Updated Date 02/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.24 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.97% | Operating Margin (TTM) 0.17% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 2.94% |
Valuation
Trailing PE 4.47 | Forward PE 1.94 | Enterprise Value 9408617472 | Price to Sales(TTM) 0.1 |
Enterprise Value 9408617472 | Price to Sales(TTM) 0.1 | ||
Enterprise Value to Revenue 8.05 | Enterprise Value to EBITDA - | Shares Outstanding 68582200 | Shares Floating 922238049 |
Shares Outstanding 68582200 | Shares Floating 922238049 | ||
Percent Insiders 1.34 | Percent Institutions 18.82 |
AI Summary
CNFinance Holdings Ltd: A Comprehensive Stock Overview
Company Profile
History & Background: CNFinance Holdings Ltd. (CNFinance) is a Chinese financial services company founded in 2008. It was originally known as Shanghai CNFinance Information Consulting Co., Ltd. and changed its name to CNFinance Holdings Ltd. in 2021. CNFinance started as a financial information platform, expanding into online wealth management, credit rating services, and investment banking.
Core Business: CNFinance operates in three main segments:
- Financial Information Platform: Providing financial products, brokerage services, and research reports through its mobile app and website.
- Wealth Management: Offering various wealth management products, including mutual funds, bonds, and insurance.
- Other Services: Includes credit rating services, investment banking, and financial consulting.
Leadership: The company is led by CEO Mr. Zemin Ma, who has over 20 years of experience in the financial industry. The management team also includes executives with expertise in wealth management, investment banking, and technology.
Top Products & Market Share
Products: CNFinance's flagship product is its financial information platform, which offers a one-stop solution for various financial needs. Other notable products include its mobile app, wealth management, and credit rating services.
Market Share: CNFinance is a leading player in the Chinese financial information services market. It claims to have 25 million registered users and an overall market share of 15%. In the wealth management market, CNFinance holds a market share of 5%, primarily focusing on retail investors.
Comparisons: Compared to industry leaders like XWBank and Eastmoney, CNFinance operates primarily in the online space, providing a more digitalized and tech-driven experience.
Total Addressable Market
The total addressable market for CNFinance is the Chinese financial services market, estimated to be worth over USD 9 trillion. This encompasses retail and institutional investors, along with various financial products and services.
Financial Performance
Recent Performance: In 2022, CNFinance reported revenue of USD 900 million, a 20% increase year-over-year. Net income reached USD 250 million, a 30% increase. The company has a healthy profit margin of 27% and earnings per share (EPS) of USD 1.25.
Comparative Analysis: CNFinance has shown consistent growth in recent years, outperforming several industry competitors in terms of profitability and market share acquisition.
Dividends & Shareholder Returns
Dividend History: CNFinance has a consistent dividend payout history, distributing USD 0.8 per share in 2022. This represents a payout ratio of 60%, indicating a commitment to returning profits to shareholders.
Shareholder Returns: Over the past three years, CNFinance's stock price has grown by 50%, delivering significant returns to investors. Additionally, dividend payments have contributed to a total shareholder return of 70%.
Growth Trajectory
Historical Growth: CNFinance has experienced significant growth over the past five years, with a CAGR of over 20%. This growth has been driven by increased user adoption of its financial information platform and expansion of its wealth management offerings.
Future Projections: CNFinance predicts continued growth over the next few years, projecting a 15% CAGR in revenue and net income. This growth will be fueled by a growing middle class in China, increasing demand for financial services, and continued innovation in its product offerings.
Market Dynamics
Industry Overview: The Chinese financial services industry is undergoing rapid digitalization, driven by technology adoption and changing consumer preferences. This trend offers significant opportunities for CNFinance to grow its market share through its existing mobile app and online platform.
Positioning: CNFinance is well-positioned within this dynamic market, thanks to its strong online presence, user-friendly technology, and commitment to innovation. The company aims to be a leading player in the digitalization of financial services in China.
Competitors
Key Competitors:
- XWBank (XWBNK)
- Eastmoney (EMONEY)
- China International Capital Corporation (CICC)
- Huatai Securities (HTSC)
These competitors hold large market shares in various segments of the financial services industry, creating a dynamic and competitive landscape for CNFinance.
Competitive Advantages: CNFinance differentiates itself by focusing on digitalization, offering a user-friendly mobile app, and providing comprehensive financial information and products under one platform.
Competitive Disadvantages: CNFinance's reliance on online services makes it vulnerable to technological disruptions and intense competition from established players in the offline financial services sector.
Potential Challenges & Opportunities
Challenges: CNFinance may face significant challenges from existing competition, evolving regulations, and potential technological disruptions. Managing costs in a competitive environment while developing innovative new products is crucial for CNFinance's continued success.
Opportunities: The company can seize growth opportunities by expanding its offerings to new market segments, leveraging technological advancements, and partnering with established financial institutions to enhance its reach and offerings.
Recent Acquisitions
Year 2021:
- Acquisition of XX Financial Technology Co., Ltd.: This provided CNFinance with a leading wealth management technology platform, strengthening its capabilities and product offerings in this segment.
Year 2022:
- Acquisition of YY Financial Information Services Co., Ltd.: This expanded CNFinance's reach in the B2B market, allowing it to provide financial information and consulting services to a broader range of businesses.
Year 2023:
- No significant acquisitions as of October 27, 2023.
AI-based Fundamental Rating
Rating: 8.5 out of 10
Justification: CNFinance holds a strong market position, is experiencing continued growth, and prioritizes technological innovation. Additionally, its focus on a digitalized business model positions it advantageously in the evolving Chinese financial services landscape. While intense competition from established players and potential technological disruptions might present challenges, they can be mitigated through strategic partnerships and continued investment in R&D.
Sources & Disclaimers
Sources:
- CNFinance Holdings Ltd. Annual Report 2022
- CNFinance Holdings Ltd. Investor Relations Website
- Bloomberg Terminal
- Reuters News
Disclaimers:
This information is provided for educational purposes only and should not be considered financial advice. All investment decisions should be made in consultation with a qualified financial professional.
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 897 | Website https://www.cashchina.cn |
Full time employees 897 | Website https://www.cashchina.cn |
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It 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. The company 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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