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CNF
Upturn stock ratingUpturn stock rating

CNFinance Holdings Ltd (CNF)

Upturn stock ratingUpturn stock rating
$1.1
Delayed price
Profit since last BUY-4.35%
upturn advisory
WEAK BUY
BUY since 24 days
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Upturn Advisory Summary

02/18/2025: CNF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

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Not Recommended Performance

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

AI Based Fundamental Rating

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Not Recommended Performance

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

Analysis of Past Performance

Type Stock
Historic Profit -63.62%
Avg. Invested days 37
Today’s Advisory WEAK BUY
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 02/18/2025

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
Full time employees 897

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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