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CNFinance Holdings Ltd (CNF)
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Upturn Advisory Summary
12/31/2025: 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 $20.43
1 Year Target Price $20.43
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -52.61% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 41.49M USD | Price to earnings Ratio - | 1Y Target Price 20.43 |
Price to earnings Ratio - | 1Y Target Price 20.43 | ||
Volume (30-day avg) 1 | Beta - | 52 Weeks Range 2.36 - 13.90 | Updated Date 01/1/2026 |
52 Weeks Range 2.36 - 13.90 | Updated Date 01/1/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.14 |
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 3.05 | Enterprise Value 12802711552 | Price to Sales(TTM) 0.12 |
Enterprise Value 12802711552 | Price to Sales(TTM) 0.12 | ||
Enterprise Value to Revenue 9.87 | Enterprise Value to EBITDA - | Shares Outstanding 6858216 | Shares Floating 978255930 |
Shares Outstanding 6858216 | Shares Floating 978255930 | ||
Percent Insiders 0.52 | Percent Institutions 20.47 |
Upturn AI SWOT
CNFinance Holdings Ltd
Company Overview
History and Background
CNFinance Holdings Ltd. (CNF) was established in 2004 and is a leading provider of financial information and value-added services for consumers and financial institutions in China. The company has undergone significant evolution, expanding its service offerings from basic financial data to more sophisticated analytical tools and integrated solutions. A key milestone was its listing on the NASDAQ stock exchange, which provided capital for further expansion and market penetration.
Core Business Areas
- Financial Information Services: Provides real-time and historical financial data, news, and analysis for various asset classes, including stocks, bonds, funds, and commodities. This segment caters to both individual investors and institutional clients.
- Value-Added Services: Offers a suite of services such as risk management tools, investment advisory services, and wealth management solutions. These services are designed to help clients make informed financial decisions and manage their portfolios effectively.
- Technology Solutions: Develops and licenses financial software and platforms for financial institutions, enabling them to enhance their trading, risk management, and customer relationship management capabilities.
Leadership and Structure
CNFinance Holdings Ltd. is led by a management team with extensive experience in the financial services and technology sectors. The organizational structure is designed to support its diverse business segments, with dedicated teams focusing on product development, sales and marketing, technology, and customer support. The specific details of the leadership team, including names and titles, can be found in the company's official filings.
Top Products and Market Share
Key Offerings
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Market Dynamics
Industry Overview
The financial information and technology services industry in China is rapidly growing, driven by increasing investor participation, the digitalization of financial services, and the demand for sophisticated data analytics and risk management tools. The regulatory environment is dynamic, with ongoing efforts to enhance market transparency and investor protection.
Positioning
CNFinance Holdings Ltd. is positioned as a leading independent provider of financial information and value-added services in China. Its competitive advantages include its deep understanding of the Chinese market, its established brand reputation, a broad customer base, and its ability to integrate various data sources and services into a cohesive platform. The company also benefits from its focus on technology innovation to develop new products and services.
Total Addressable Market (TAM)
The TAM for financial information and technology services in China is substantial and continues to expand. It is estimated to be in the tens of billions of US dollars, encompassing retail and institutional investors, as well as financial intermediaries. CNFinance Holdings Ltd. is well-positioned to capture a significant portion of this TAM, particularly in the segments of independent financial data and value-added services for retail investors, and increasingly for financial institutions seeking specialized technology solutions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and reputation in the Chinese financial information market.
- Extensive customer base, including both retail and institutional clients.
- Diversified product and service offerings.
- Proficient in integrating and analyzing large volumes of financial data.
- Experienced management team with deep industry knowledge.
Weaknesses
- Reliance on the Chinese market, which can be subject to regulatory changes and economic volatility.
- Competition from larger, more established global financial data providers.
- Potential challenges in adapting to rapidly evolving technological landscapes.
- The need for continuous investment in R&D to maintain a competitive edge.
Opportunities
- Growing number of retail investors in China.
- Increasing demand for digital financial services and wealth management solutions.
- Expansion into new asset classes and geographical markets.
- Strategic partnerships and collaborations with other financial institutions.
- Leveraging AI and big data for enhanced product development and personalization.
Threats
- Intensifying competition from both domestic and international players.
- Changes in government regulations and policies affecting the financial services industry.
- Cybersecurity risks and data privacy concerns.
- Economic downturns or market volatility impacting investor confidence.
- Rapid technological advancements by competitors.
Competitors and Market Share
Key Competitors
- Wind Information (stock symbol not directly listed as a US stock)
- East Money Information (300059.SZ)
- Sina Finance (part of SINA Corp, previously SGD)
Competitive Landscape
CNFinance Holdings Ltd. operates in a competitive landscape where established players and emerging fintech firms vie for market share. While CNFinance has a strong presence, competitors like Wind Information often command a larger market share due to their longer history and broader institutional client base. CNFinance's competitive advantage lies in its agility, customer-centric approach for retail investors, and its focus on integrated value-added services that differentiate it from pure data providers.
Growth Trajectory and Initiatives
Historical Growth: CNFinance Holdings Ltd. has shown a consistent historical growth trajectory, particularly in its revenue and customer acquisition, driven by the expanding Chinese financial market. The company has strategically invested in its technology infrastructure and service portfolio to capitalize on market opportunities. Growth has been characterized by both organic expansion and potential strategic acquisitions.
Future Projections: Future growth projections for CNFinance Holdings Ltd. are likely to be influenced by factors such as continued economic growth in China, further liberalization of financial markets, and the adoption of digital financial services. Analysts' estimates, if available, would provide quantitative projections for revenue and earnings growth. The company is expected to continue focusing on innovation and expanding its service offerings to cater to evolving client needs.
Recent Initiatives: Recent strategic initiatives may include the development of new AI-driven financial tools, expansion of its data analytics capabilities, partnerships with emerging fintech companies, and efforts to enhance its digital platform's user experience. The company might also be exploring opportunities to broaden its reach within the institutional financial sector.
Summary
CNFinance Holdings Ltd. is a well-established player in China's financial information and services sector, leveraging its strong brand and customer base. The company's diversified offerings and technological focus provide a solid foundation for growth, particularly as China's financial markets continue to develop. However, it faces intense competition and regulatory uncertainties. Continued innovation and strategic expansion will be crucial for sustaining its market position and overcoming potential threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's official filings (e.g., SEC filings)
- Financial news and analysis websites
- Industry reports on the Chinese financial technology sector
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data and competitive analyses are estimates and may vary. Financial performance and future projections are subject to change and market volatility. Investors should conduct their own due diligence before making any investment decisions.
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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