CNFinance Holdings Limited

CNF

NYSE · Mortgage Lenders & Servicers

$2.00

At close - Nov 6, 4:00 PM EST - USD

Market Cap$10M

P/E-0.1x

52W High$6.49

Volume12.28K

VCP Research Verdict2025Q2

Severe Revenue Contraction Signals Structural Business Erosion

CNFinance faces a precarious outlook as its core mortgage-backed lending model struggles with a 91% revenue decline from $493.6 million in 2023Q1 to $44.0 million in 2025Q2.

GrowthContracting

ProfitabilityNegative

ValuationAttractive

TechnicalsWeak

Explore valuation models

MARKET ACTION

CNF price & volume

Price trend, volume and key moving averages

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Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return

CNF-65.67%

S&P 500 (^GSPC)+7.63%

1-Year Return

CNF-58.63%

S&P 500 (^GSPC)+9.69%

3-Year Return

CNF-91.42%

S&P 500 (^GSPC)+69.07%

5-Year Return

CNF-96.01%

S&P 500 (^GSPC)+57.17%

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis

Trailing P/E5Y Low

-0.1x

Forward P/E

2.9x

EV/EBITDA

N/A

FCF YieldCash Flow

N/A

Valuation vs 5-Year History

Multiple Range

Metric

Current

5Y Median

Historical Range

Percentile

P/E

-0.1x

0.9x

0th· Low

EV/EBITDA

N/A

60.2x

N/A

Price/FCF

N/A

0.1x

N/A

Current Multiple

5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection

No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend

Revenue FY25

$128M-84.1% YoY

Net income FY25

-$458M-1311.0% YoY

Free cash flow FY25

$79M-89.5% YoY

Operating margin FY25

-54.9%-60.9 pts YoY

ROIC (FY25)-0.6%

Avg ROIC 5Y0.5%

ROE (TTM)-24.6%

Piotroski Score5 / 9

Financial Statements →

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

MARKET COVERAGE

Latest News

1 Story

PRNewsWire·Aug 28, 2026

CNFinance Announces First Half of 2026 Unaudited Financial Results

GUANGZHOU, China, Aug. 28, 2026 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced its unaudited financial results for the first half of 2026 ended June 30, 2026. "During the first half of 2026, we continued to execute our strategy of optimizing our existing portfolio, strengthening asset recovery and improving the quality and efficiency of our business.

Filtered for CNFinance Holdings LimitedMore Headlines

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Benchmark CNF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for CNFinance Holdings Limited (CNF)

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Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
CNFCNFinance Holdings LimitedCurrent	$2.00	$9.99M	-0.08	-84.11%	-357.41%	-24.56%	—
QFINQfin Holdings, Inc.	$5.58	$726.43M	1.42	-6.31%	23.45%	15.33%	27.23%
FINVFinVolution Group	$2.94	$730.29M	2.59	1.03%	14.53%	4.49%	9.76%
LXLexinFintech Holdings Ltd.	$0.66	$111.49M	0.71	-11.61%	8.07%	8.64%	48.98%
UWMCUWM Holdings Corporation	$1.52	$236.43M	26.57	85.84%	0.67%	1.12%	100%
PFSIPennyMac Financial Services, Inc.	$65.59	$3.41B	14.52	55.29%	5.44%	5.54%	1.77%

Compare CNF vs Peers

CNFinance Holdings Limited (CNF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs QFIN

Most directly comparable listed peer for CNF.

Scale Benchmark

vs FANG

Larger-name benchmark to compare CNF against a more recognizable public peer.

Peer Set

Compare Top 5

vs QFIN, FINV, LX, UWMC

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CNF Frequently Asked Questions

CNFinance Holdings Limited (CNF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is CNFinance Holdings Limited growing?

CNFinance Holdings Limited (CNF) revenue fell by 359.2% over the trailing twelve months, compared with the twelve months before.

Is CNF profitable?

No. CNFinance Holdings Limited (CNF) reported a net loss of $829.5M over the trailing twelve months.

Dividend & Returns

What is CNF's return on equity?

CNFinance Holdings Limited (CNF) had a return on equity (ROE) of -24.6% over the trailing twelve months. A negative ROE means the company lost money over the period.

Industry Metrics

What is CNFinance Holdings Limited's net interest margin?

CNFinance Holdings Limited (CNF) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.

What is CNFinance Holdings Limited's efficiency ratio?

CNFinance Holdings Limited (CNF) has an efficiency ratio of 480.0%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in CNF back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

CNFCNFinance Holdings LimitedCurrent

$2.00

$9.99M

-0.08

-84.11%

-357.41%

-24.56%

—

QFINQfin Holdings, Inc.

$5.58

$726.43M

1.42

-6.31%

23.45%

15.33%

27.23%

FINVFinVolution Group

$2.94

$730.29M

2.59

1.03%

14.53%

4.49%

9.76%

LXLexinFintech Holdings Ltd.

$0.66

$111.49M

0.71

-11.61%

8.07%

8.64%

48.98%

UWMCUWM Holdings Corporation

$1.52

$236.43M

26.57

85.84%

0.67%

1.12%

100%

PFSIPennyMac Financial Services, Inc.

$65.59

$3.41B

14.52

55.29%

5.44%

5.54%

1.77%