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CNF
Upturn stock ratingUpturn stock rating

CNFinance Holdings Ltd (CNF)

Upturn stock ratingUpturn stock rating
$0.77
Last Close (24-hour delay)
Profit since last BUY-2.53%
upturn advisory
Consider higher Upturn Star rating
BUY since 2 days
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

07/03/2025: CNF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

1 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $4.87

1 Year Target Price $4.87

Analysts Price Target For last 52 week
$4.87 Target price
52w Low $0.37
Current$0.77
52w High $2.84

Analysis of Past Performance

Type Stock
Historic Profit -53.15%
Avg. Invested days 37
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/03/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 52.81M USD
Price to earnings Ratio 9.62
1Y Target Price 4.87
Price to earnings Ratio 9.62
1Y Target Price 4.87
Volume (30-day avg) 1
Beta -0.2
52 Weeks Range 0.37 - 2.84
Updated Date 07/3/2025
52 Weeks Range 0.37 - 2.84
Updated Date 07/3/2025
Dividends yield (FY) -
Basic EPS (TTM) 0.08

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 6.04%
Operating Margin (TTM) -13.44%

Management Effectiveness

Return on Assets (TTM) 0.24%
Return on Equity (TTM) 0.94%

Valuation

Trailing PE 9.62
Forward PE 1.94
Enterprise Value 7345091072
Price to Sales(TTM) 0.08
Enterprise Value 7345091072
Price to Sales(TTM) 0.08
Enterprise Value to Revenue 7.87
Enterprise Value to EBITDA -
Shares Outstanding 68582200
Shares Floating 910661380
Shares Outstanding 68582200
Shares Floating 910661380
Percent Insiders 2.18
Percent Institutions 19.52

ai summary icon Upturn AI SWOT

CNFinance Holdings Ltd

stock logo

Company Overview

overview logo History and Background

CNFinance Holdings Ltd (CNF) is a Chinese microfinance company focusing on providing loans to small business owners. It was founded in 2006 and listed on the NASDAQ in 2017. The company primarily operates in China.

business area logo Core Business Areas

  • Microfinance Lending: Provides loans to micro and small business owners, entrepreneurs, and individuals in China.
  • Loan Facilitation: Connects borrowers with funding sources through its network of investors and financial institutions.

leadership logo Leadership and Structure

The leadership team consists of a board of directors and executive management. Details on specific individuals require current research.

Top Products and Market Share

overview logo Key Offerings

  • Micro Business Loans: Small, short-term loans designed for working capital and operational needs of small businesses. Market share data for CNF specifically is difficult to obtain, however, the fragmented microfinance market in China is highly competitive. Competitors include other microfinance institutions and online lending platforms.
  • Home Equity Loans: Loans secured by the borrowers home, used for small business owners. Market share data for CNF specifically is difficult to obtain, however, the fragmented microfinance market in China is highly competitive. Competitors include other microfinance institutions and online lending platforms.

Market Dynamics

industry overview logo Industry Overview

The Chinese microfinance industry is characterized by high demand for small loans, a fragmented market structure, and increasing regulatory scrutiny. The industry is also impacted by the growth of online lending platforms.

Positioning

CNFinance focuses on serving the underserved small business segment in China. Competitive advantages depend on local knowledge, risk management capabilities, and efficient loan origination processes.

Total Addressable Market (TAM)

TAM is substantial given the large number of small businesses in China and the limited access to traditional banking services. CNFinance is positioned to capture a portion of this market through its specialized lending products. Market size is estimated in hundreds of billions of USD but fluctuates based on regulatory and economic factors.

Upturn SWOT Analysis

Strengths

  • Focus on underserved market segment
  • Experience in microfinance lending
  • Established network in China
  • Access to capital markets through US listing

Weaknesses

  • High credit risk associated with microloans
  • Sensitivity to regulatory changes in China
  • Competition from online lending platforms
  • Limited geographic coverage within China

Opportunities

  • Expansion into new geographic areas within China
  • Development of new loan products and services
  • Partnerships with other financial institutions
  • Leveraging technology to improve efficiency

Threats

  • Increasing regulatory scrutiny
  • Economic slowdown in China
  • Rising interest rates
  • Increased competition

Competitors and Market Share

competitor logo Key Competitors

  • LFIN
  • QFIN
  • YRD

Competitive Landscape

CNFinance competes with other microfinance institutions, online lending platforms, and traditional banks. Its competitive advantage lies in its focus on small business lending and its established network in China. However, it faces challenges from increasing competition and regulatory changes.

Growth Trajectory and Initiatives

Historical Growth: Historical growth requires analysis of past financial performance.

Future Projections: Future projections require analyst estimates.

Recent Initiatives: Recent initiatives can be found in company press releases and investor presentations.

Summary

CNFinance Holdings Ltd focuses on providing microloans in China, facing both opportunities and challenges. Its focus on small businesses is a strength, but regulatory changes and competition pose threats. To thrive, CNFinance must navigate the evolving Chinese financial landscape and mitigate credit risks. Further, the market capitalization of CNF is very low, making it a very high risk play. Its market share is low and has numerous competitors

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings, financial news sources, industry reports

Disclaimers:

This analysis is based on available information and is not financial advice. Market share data is estimated and may not be precise. Invest at your own risk.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 691

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.