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Upturn AI SWOT - About
CNFinance Holdings Ltd (CNF)
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Upturn Advisory Summary
10/28/2025: CNF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $20.1
1 Year Target Price $20.1
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -63.03% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 31.48M USD | Price to earnings Ratio - | 1Y Target Price 20.1 |
Price to earnings Ratio - | 1Y Target Price 20.1 | ||
Volume (30-day avg) 1 | Beta 0.06 | 52 Weeks Range 2.36 - 15.40 | Updated Date 10/27/2025 |
52 Weeks Range 2.36 - 15.40 | Updated Date 10/27/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.13 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 2.18 | Enterprise Value 10800112640 | Price to Sales(TTM) 0.09 |
Enterprise Value 10800112640 | Price to Sales(TTM) 0.09 | ||
Enterprise Value to Revenue 9.64 | Enterprise Value to EBITDA - | Shares Outstanding 6858216 | Shares Floating 976925436 |
Shares Outstanding 6858216 | Shares Floating 976925436 | ||
Percent Insiders 0.84 | Percent Institutions 20.41 |
Upturn AI SWOT
CNFinance Holdings Ltd
Company Overview
History and Background
CNFinance Holdings Ltd, founded in 2006, is a loan service provider in China focusing on facilitating loans to micro and small business owners.
Core Business Areas
- Loan Facilitation Services: Connects borrowers with lenders through its network. Services include loan origination, credit assessment, and loan management.
Leadership and Structure
The leadership team consists of experienced executives in the finance and technology sectors. The organizational structure is hierarchical with clearly defined roles and responsibilities.
Top Products and Market Share
Key Offerings
- Micro and Small Business Loans: Facilitates loans to micro and small business owners in China. No market share available due to fragmentation of the market. Competitors include local finance companies and online lending platforms. Revenue is based on fees from both borrowers and lenders.
Market Dynamics
Industry Overview
The microfinance industry in China is growing but faces increasing regulation and competition. Demand for financing from SMEs remains strong.
Positioning
CNFinance positions itself as a technology-driven platform connecting borrowers and lenders efficiently. Its competitive advantage lies in its extensive network and risk management capabilities.
Total Addressable Market (TAM)
The TAM for SME lending in China is estimated to be in the trillions of USD. CNFinance is positioned to capture a small but significant portion of this market.
Upturn SWOT Analysis
Strengths
- Extensive network of borrowers and lenders
- Technology-driven platform
- Experienced management team
- Strong risk management capabilities
Weaknesses
- Reliance on the Chinese regulatory environment
- Exposure to credit risk
- Relatively small market capitalization
- Concentration of business in China
Opportunities
- Expansion into new geographic markets within China
- Development of new financial products and services
- Increased adoption of online lending platforms
- Partnerships with other financial institutions
Threats
- Increased competition from other lending platforms
- Changes in Chinese regulations
- Economic slowdown in China
- Increased credit risk due to borrower defaults
Competitors and Market Share
Key Competitors
- Lufax Holding Ltd (LU)
Competitive Landscape
CNFinance faces strong competition from larger and more established lending platforms in China.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been impacted by regulatory changes and economic conditions in China.
Future Projections: Future growth projections are uncertain due to the dynamic nature of the Chinese financial market.
Recent Initiatives: Recent initiatives focus on improving risk management and expanding the network of borrowers and lenders.
Summary
CNFinance is a small loan service provider operating in a challenging regulatory environment in China. The company has some strengths in its network and technology platform, but faces significant competition and regulatory risks. Due to limited financial data, a comprehensive assessment is difficult. Investors should carefully consider these risks before investing.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
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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