Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
CNFinance Holdings Ltd (CNF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: CNF (1-star) is currently NOT-A-BUY. Pass it for now.
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 $4.87
1 Year Target Price $4.87
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -61.86% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 28.12M USD | Price to earnings Ratio 5.12 | 1Y Target Price 4.87 |
Price to earnings Ratio 5.12 | 1Y Target Price 4.87 | ||
Volume (30-day avg) 1 | Beta 0.02 | 52 Weeks Range 0.37 - 2.84 | Updated Date 08/28/2025 |
52 Weeks Range 0.37 - 2.84 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.08 |
Earnings Date
Report Date 2025-08-29 | 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 5.12 | Forward PE 1.94 | Enterprise Value 7138521600 | Price to Sales(TTM) 0.04 |
Enterprise Value 7138521600 | Price to Sales(TTM) 0.04 | ||
Enterprise Value to Revenue 7.7 | Enterprise Value to EBITDA - | Shares Outstanding 68582200 | Shares Floating 910661380 |
Shares Outstanding 68582200 | Shares Floating 910661380 | ||
Percent Insiders 2.18 | Percent Institutions 20.5 |
Upturn AI SWOT
CNFinance Holdings Ltd
Company Overview
History and Background
CNFinance Holdings Limited was founded in 2006. It operates as a loan facilitation service provider in China, focusing on providing loan products designed to address the needs of micro and small business owners.
Core Business Areas
- Loan Facilitation: CNFinance facilitates loans, connecting borrowers with funding sources. The company earns fees from these services.
Leadership and Structure
Information regarding the specific leadership team and detailed organizational structure is not readily available in public sources. Typical leadership structure would include CEO, CFO and board of directors.
Top Products and Market Share
Key Offerings
- Micro and Small Business Loans: CNFinance focuses on loans for micro and small businesses. Market share data is difficult to obtain specifically for CNFinance due to the fragmented nature of the Chinese lending market. Competitors include other peer-to-peer lending platforms and traditional banks offering similar services.
Market Dynamics
Industry Overview
The industry involves loan facilitation services for micro and small businesses in China. It is characterized by a mix of traditional banking institutions, online lending platforms, and peer-to-peer lenders.
Positioning
CNFinance aims to fill a gap by serving micro and small businesses that may not have easy access to loans from traditional banks. Limited publicly available data hinders precise assessment of their competitive advantages.
Total Addressable Market (TAM)
The TAM for small business lending in China is substantial, estimated in the trillions of USD. CNFinance is positioned to capture a portion of this market, but precise figures are unavailable.
Upturn SWOT Analysis
Strengths
- Focus on micro and small business loans
- Established network within China
Weaknesses
- Regulatory risks in the Chinese lending market
- Limited financial information transparency
- Relatively small market capitalization
Opportunities
- Expanding its loan products and service offerings
- Leveraging technology to improve efficiency and reach more customers
- Capitalizing on government initiatives supporting small businesses
Threats
- Increased competition from other lending platforms and banks
- Changes in government regulations
- Economic downturn in China
Competitors and Market Share
Key Competitors
- JD
- 360 Finance
- LexinFintech Holdings Ltd.
Competitive Landscape
CNFinance competes with other loan facilitation platforms and financial institutions in China. Its competitive advantage depends on its ability to effectively reach and serve its target market of micro and small businesses.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires access to historical financial data. Limited publicly available data hinders detailed analysis.
Future Projections: Future growth projections require analyst estimates, which are limited for this company. Consider macro-economic forecasts for the Chinese economy.
Recent Initiatives: Recent strategic initiatives are difficult to ascertain without updated press releases and reports from the company.
Summary
CNFinance Holdings operates in the Chinese lending market, specifically targeting small businesses. The company faces risks associated with regulations and competition. More data is needed to have an in-depth analysis of how strong the company is. It would have to be able to adapt to changes to sustain itself.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings, Company website, Market research reports
Disclaimers:
The information provided is based on limited publicly available data. Financial data may be outdated. This analysis is not financial advice.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.