| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| CNFCNFinance Holdings Limited | 30.66M | 4.47 | 0.41 | -12.9% | 2.36% | -1.25% | 100% | 1.47 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 800.88M | 2B | 2.35B | 1.66B | 1.12B | 1.03B | 945.91M | 1.03B | 744.1M |
| NII Growth % | - | 1.5% | 0.17% | -0.29% | -0.32% | -0.08% | -0.08% | 0.09% | -0.28% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 1.24B | 3.41B | 4.29B | 2.97B | 1.85B | 1.81B | 1.73B | 1.75B | 1.54B |
| Interest Expense | 442.66M | 1.41B | 1.94B | 1.31B | 731.32M | 775.57M | 784.78M | 723.08M | 794.52M |
| Loan Loss Provision | 111.36M | 306.75M | 433.75M | 362.74M | 77.35M | -303.87M | 217.55M | 118.65M | -22.72M |
| Non-Interest Income | 62.62M | 6.65M | -10.45M | 131.51M | -20.69M | -432.88M | 113.61M | 82.72M | 61.52M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 1.31B | 3.42B | 4.28B | 3.1B | 1.83B | 1.37B | 1.84B | 1.84B | 1.6B |
| Revenue Growth % | - | 1.62% | 0.25% | -0.28% | -0.41% | -0.25% | 0.34% | -0% | -0.13% |
| Non-Interest Expense | 464.1M | 891.77M | 747.66M | 708.09M | 862.77M | 806.99M | 669.38M | 789.82M | 780.05M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | 288.05M | 808.67M | 1.16B | 721.01M | 162.7M | 93.77M | 172.58M | 205.63M | 48.29M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 1.81% | 0.43% | -0.38% | -0.77% | -0.42% | 0.84% | 0.19% | -0.77% |
| Pretax Income | 288.05M | 808.67M | 1.16B | 721.01M | 162.7M | 93.77M | 172.58M | 205.63M | 48.29M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | 52.6M | 275.99M | 296.83M | 186.37M | 47.85M | 28.56M | 37.23M | 41.02M | 10.5M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | 235.44M | 532.67M | 860.91M | 534.64M | 114.85M | 65.21M | 135.35M | 164.62M | 37.78M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 1.26% | 0.62% | -0.38% | -0.79% | -0.43% | 1.08% | 0.22% | -0.77% |
| Net Income (Continuing) | 235.44M | 532.67M | 860.91M | 534.64M | 114.85M | 65.21M | 135.35M | 164.62M | 37.78M |
| EPS (Diluted) | 76.00 | 160.00 | 248.00 | 144.00 | 32.00 | 19.00 | 360.00 | 440.00 | 11.00 |
| EPS Growth % | - | 1.11% | 0.55% | -0.42% | -0.78% | -0.41% | 17.95% | 0.22% | -0.97% |
| EPS (Basic) | 76.60 | 173.20 | 275.20 | 156.00 | 32.00 | 19.00 | 39.40 | 480.00 | 11.00 |
| Diluted Shares Outstanding | 3.08M | 3.33M | 3.47M | 3.67M | 3.81M | 3.81M | 3.82M | 3.61M | 3.43M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 284.73M | 1.34B | 3.34B | 1.84B | 2.07B | 2.39B | 2.16B | 2.55B | 1.76B |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 7.4B | 16.66B | 15.72B | 10.95B | 9.48B | 10.64B | 11.1B | 11.96B | 318.8M |
| Investments Growth % | - | 1.25% | -0.06% | -0.3% | -0.13% | 0.12% | 0.04% | 0.08% | -0.97% |
| Long-Term Investments | 7.33B | 16.3B | 15.04B | 10.29B | 9.06B | 9.56B | 10.86B | 11.81B | 280.11M |
| Accounts Receivables | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3M | 3.34M | 4.18M | 3.74M | 3.23M | 4.01M | 3.49M | 3.01M | 3.08M |
| PP&E (Net) | 18.68M | 22.47M | 19.17M | 47.33M | 24.18M | 19.24M | 32.06M | 35.99M | 212.53M |
| Other Assets | 0 | 0 | 0 | 100.3M | 533.68M | 1B | 726.41M | 875.03M | 12.61B |
| Total Current Assets | 396.51M | 1.78B | 4.08B | 2.57B | 2.53B | 3.78B | 2.78B | 3.55B | 1.79B |
| Total Non-Current Assets | 7.41B | 16.44B | 15.28B | 10.46B | 9.7B | 10.6B | 11.7B | 12.82B | 13.23B |
| Total Assets | 7.81B | 18.22B | 19.35B | 13.03B | 12.23B | 14.39B | 14.48B | 16.36B | 15.03B |
| Asset Growth % | - | 1.33% | 0.06% | -0.33% | -0.06% | 0.18% | 0.01% | 0.13% | -0.08% |
| Return on Assets (ROA) | 0.03% | 0.04% | 0.05% | 0.03% | 0.01% | 0% | 0.01% | 0.01% | 0% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 6.31B | 15.71B | 15.32B | 7.56B | 6.18B | 8.1B | 7.87B | 8.96B | 5.95B |
| Net Debt | 6.02B | 14.37B | 11.98B | 5.72B | 4.1B | 5.71B | 5.71B | 6.41B | 4.2B |
| Long-Term Debt | 6.17B | 12.2B | 11.11B | 6.65B | 5.65B | 8.04B | 7.73B | 1.82B | 578.41M |
| Short-Term Debt | 141.68M | 3.51B | 4.21B | 870.78M | 508.58M | 45.25M | 112.64M | 7.11B | 5.35B |
| Other Liabilities | 294.08M | 562.92M | 847.34M | 1.28B | 1.74B | 2.21B | 2.51B | 3.24B | 3.19B |
| Total Current Liabilities | 219.49M | 3.62B | 4.31B | 976.17M | 564.57M | 91.39M | 168.42M | 7.16B | 7.08B |
| Total Non-Current Liabilities | 6.47B | 12.77B | 12B | 8.45B | 7.93B | 10.48B | 10.38B | 5.19B | 3.89B |
| Total Liabilities | 6.69B | 16.38B | 16.31B | 9.43B | 8.49B | 10.57B | 10.54B | 12.36B | 10.97B |
| Total Equity | 1.12B | 1.83B | 3.05B | 3.6B | 3.74B | 3.82B | 3.94B | 4.01B | 4.06B |
| Equity Growth % | - | 0.64% | 0.66% | 0.18% | 0.04% | 0.02% | 0.03% | 0.02% | 0.01% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.21% | 0.36% | 0.35% | 0.16% | 0.03% | 0.02% | 0.03% | 0.04% | 0.01% |
| Book Value per Share | 363.67 | 550.17 | 876.84 | 980.67 | 981.16 | 1000.93 | 1031.42 | 1109.05 | 1183.27 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 916.74K | 916.74K | 916.74K | 916.74K | 916.74K | 916.74K | 916.74K |
| Additional Paid-in Capital | 386.44M | 569.13M | 921.7M | 937.59M | 999.66M | 1.02B | 1.02B | 1.03B | 1.05B |
| Retained Earnings | 733.92M | 1.27B | 2.13B | 2.66B | 2.76B | 2.82B | 2.96B | 3.1B | 3.14B |
| Accumulated OCI | -1.67M | -4.47M | -4.57M | -2.12M | -18.46M | -25.39M | -10.21M | -9.34M | -8.82M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -87.63M | -118.32M | -122.9M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 379.88M | 1.29B | 1.33B | 1.3B | 1.12B | 689.69M | 919.25M | 1.71B | 757.23M |
| Operating CF Growth % | - | 2.39% | 0.04% | -0.03% | -0.14% | -0.38% | 0.33% | 0.86% | -0.56% |
| Net Income | 235.44M | 532.67M | 860.91M | 534.64M | 114.85M | 65.21M | 135.35M | 164.62M | 37.78M |
| Depreciation & Amortization | 6.6M | 10.8M | 13.3M | 10.92M | 6.05M | 3.82M | 2.24M | 1.75M | 11.54M |
| Deferred Taxes | -33.47M | -57.89M | -105.09M | 3.91M | -94.39M | -190.01M | -133.91M | -16.49M | -38.04M |
| Other Non-Cash Items | 37.96M | 315.35M | 449.56M | -154.3M | 618.9M | 729.37M | 1.24B | 1.47B | 1.11B |
| Working Capital Changes | 4.42M | 303.02M | 74.26M | 888.06M | 412.09M | 62.54M | -330.44M | 77.04M | -382.31M |
| Cash from Investing | -4.7B | -9.58B | 641.39M | 4.94B | 524.05M | -2.35B | -1.1B | -2.48B | -263.67M |
| Purchase of Investments | -116.62M | -360.05M | -710M | -2.63B | -6.95B | -9.5B | -8.59B | -2.87B | -922.1M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | -4.99B | 57.72M | 29.66M | 4.91B | 0 | 0 | 50M | 0 | 0 |
| Other Investing | 500K | -9.28B | 946.5M | 6M | 291.25M | -1.82B | -1.47B | -2.48B | -439.53M |
| Cash from Financing | 4.29B | 9.26B | -2.55M | -7.7B | -1.37B | 1.93B | -288.16M | 1.01B | -1.33B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -87.63M | -30.69M | -4.58M |
| Stock Issued | 0 | 0 | 313.78M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | 0 | 0 | 0 | 0 | 0 | 0 | 50.75M | -71.1M | 0 |
| Net Change in Cash | -26.94M | 957.22M | 1.97B | -1.46B | 255.57M | 270.51M | -459.25M | 229.42M | -831.22M |
| Exchange Rate Effect | 1000K | -1000K | -200.91K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 260.08M | 233.14M | 1.19B | 3.16B | 1.71B | 1.96B | 2.23B | 1.77B | 2B |
| Cash at End | 233.14M | 1.19B | 3.16B | 1.71B | 1.96B | 2.23B | 1.77B | 2B | 1.17B |
| Interest Paid | 416.08M | 1.3B | 2B | 1.41B | 728.85M | 832.74M | 792.79M | 726.29M | 776.33M |
| Income Taxes Paid | 25.67M | 45.6M | 95.84M | 179.19M | 46.38M | 153.49M | 139.21M | 63.46M | 27.7M |
| Free Cash Flow | 364.66M | 1.27B | 1.32B | 1.29B | 1.12B | 685.89M | 829.36M | 1.59B | 749.28M |
| FCF Growth % | - | 2.47% | 0.04% | -0.02% | -0.14% | -0.39% | 0.21% | 0.92% | -0.53% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 21.05% | 36.11% | 35.31% | 16.09% | 3.13% | 1.73% | 3.49% | 4.14% | 0.94% |
| Return on Assets (ROA) | 3.02% | 4.09% | 4.58% | 3.3% | 0.91% | 0.49% | 0.94% | 1.07% | 0.24% |
| Net Interest Margin | 10.26% | 10.98% | 12.14% | 12.75% | 9.18% | 7.16% | 6.53% | 6.3% | 4.95% |
| Efficiency Ratio | 35.53% | 26.1% | 17.46% | 22.83% | 47.04% | 58.8% | 36.29% | 42.99% | 48.75% |
| Equity / Assets | 14.33% | 10.05% | 15.74% | 27.63% | 30.58% | 26.54% | 27.19% | 24.5% | 27% |
| Book Value / Share | 363.67 | 550.17 | 876.84 | 980.67 | 981.16 | 1K | 1.03K | 1.11K | 1.18K |
| NII Growth | - | 149.79% | 17.45% | -29.34% | -32.33% | -8.34% | -8.14% | 9.04% | -27.85% |
CNFinance Holdings Limited (CNF) has a price-to-earnings (P/E) ratio of 0.4x. This may indicate the stock is undervalued or faces growth challenges.
CNFinance Holdings Limited (CNF) saw revenue decline by 12.9% over the past year.
CNFinance Holdings Limited (CNF) reported a net loss of $50.5M for fiscal year 2024.
CNFinance Holdings Limited (CNF) has a return on equity (ROE) of 0.9%. This is below average, suggesting room for improvement.
CNFinance Holdings Limited (CNF) has a net interest margin (NIM) of 5.0%. This indicates healthy earnings from lending activities.
CNFinance Holdings Limited (CNF) has an efficiency ratio of 48.7%. This is excellent, indicating strong cost control.