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CNFinance Holdings Ltd (CNF)
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Upturn Advisory Summary
12/02/2025: 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 $20.18
1 Year Target Price $20.18
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -53.24% | Avg. Invested days 35 | 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 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 39.78M USD | Price to earnings Ratio - | 1Y Target Price 20.18 |
Price to earnings Ratio - | 1Y Target Price 20.18 | ||
Volume (30-day avg) 1 | Beta 0.01 | 52 Weeks Range 2.36 - 13.90 | Updated Date 12/2/2025 |
52 Weeks Range 2.36 - 13.90 | Updated Date 12/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.13 |
Earnings Date
Report Date 2025-12-02 | 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 2.78 | Enterprise Value 12459800576 | Price to Sales(TTM) 0.11 |
Enterprise Value 12459800576 | Price to Sales(TTM) 0.11 | ||
Enterprise Value to Revenue 9.8 | 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, founded in 2006, operates as a loan facilitation service provider connecting borrowers with lenders in China. It went public on the NASDAQ in 2017. Initially focused on facilitating microloans, it has adapted to regulatory changes and market demands.
Core Business Areas
- Loan Facilitation Services: CNFinance connects borrowers, primarily small business owners, with third-party funding sources, assessing credit risk and providing loan management services.
- Investment Management Services: CNFinance offers investment management services including providing financing for investment opportunities.
Leadership and Structure
The leadership team consists of senior executives experienced in finance and technology. The company has a board of directors overseeing strategic direction and corporate governance.
Top Products and Market Share
Key Offerings
- Micro and Small Business Loans: CNFinance facilitates loans to small business owners in China. Market share data is not publicly available. Competitors include online lending platforms and traditional banks.
- Consumption Loans: CNFinance facilitates consumption loans. Market share data is not publicly available. Competitors include online lending platforms and traditional banks.
Market Dynamics
Industry Overview
China's consumer finance market is large and rapidly growing, driven by increasing disposable income and demand for credit. The industry faces increasing regulation from the government.
Positioning
CNFinance occupies a niche position as a loan facilitator, connecting borrowers and lenders. Its competitive advantage lies in its proprietary risk assessment technology and established network.
Total Addressable Market (TAM)
The TAM for consumer lending in China is estimated to be in the trillions of USD. CNFinance is positioned to capture a share of this market through its online platform and partnerships.
Upturn SWOT Analysis
Strengths
- Proprietary risk assessment technology
- Established network of borrowers and lenders
- Focus on underserved small business segment
Weaknesses
- Dependence on third-party funding sources
- Exposure to regulatory changes in China
- Relatively small market share
Opportunities
- Expansion into new geographic markets within China
- Development of new financial products and services
- Partnerships with larger financial institutions
Threats
- Increased competition from larger players
- Changes in government regulations
- Economic slowdown in China
Competitors and Market Share
Key Competitors
- LX
- 360 DigiTech (QFIN)
- OPPO
Competitive Landscape
CNFinance faces competition from larger online lending platforms and traditional banks. Its competitive advantage lies in niche market focus and potentially better customer service; Disadvantage is brand recognition and available funding.
Growth Trajectory and Initiatives
Historical Growth: Details on historical growth rates (revenue, profit, etc.) will be added once financials are available.
Future Projections: Future projections will be provided based on analyst estimates and company guidance when available.
Recent Initiatives: Examples will be added here when available.
Summary
CNFinance operates in a challenging regulatory environment in China. Its niche focus is a strength, but its small size is a weakness. Regulatory changes in China's lending market are a risk, but successful adaptation could present significant growth opportunity. More financial data is needed.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
- Various financial news outlets
Disclaimers:
The data provided is based on publicly available information and should not be considered investment advice. Market share data is estimated and may not be precise.
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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