CNFinance Holdings Limited (CNF) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Financial - Mortgages
EV/EBITDA
↑
N/A
—
5yr avg: 48.79
30Y Low8.0·High70.7
P/FCF
↓
0.09
+5% vs avg
5yr avg: 0.09
30Y Low0.0·High0.2
P/B Ratio
↓
0.00
↓-88% vs avg
5yr avg: 0.02
30Y Low0.0·High0.1
ROE
↓
-12.0%
↑-3460% vs avg
5yr avg: -0.3%
30Y Low-12%·High36%
Debt/EBITDA
↑
N/A
—
5yr avg: 67.69
30Y Low10.3·High45.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CNF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
CNFinance Holdings Limited currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 0.1x P/FCF, roughly in line with the 5-year average of 0.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1M | $2M | $33M | $80M | $65M | $156M | $161M | $147M | $191M | — | — |
| Enterprise Value | $574M | $3.9B | $4.2B | $6.5B | $5.8B | $5.9B | $4.3B | $5.9B | $12.2B | — | — |
| P/E Ratio → | -0.02 | — | 0.86 | 0.05 | 0.05 | 2.15 | 1.32 | 0.28 | 0.22 | — | — |
| P/S Ratio | 0.01 | 0.00 | 0.02 | 0.04 | 0.04 | 0.11 | 0.09 | 0.05 | 0.04 | — | — |
| P/B Ratio | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 | 0.04 | 0.04 | 0.04 | 0.06 | — | — |
| P/FCF | 0.09 | 0.03 | 0.04 | 0.05 | 0.08 | 0.23 | 0.14 | 0.11 | 0.15 | — | — |
| P/OCF | 0.09 | 0.03 | 0.04 | 0.05 | 0.07 | 0.23 | 0.14 | 0.11 | 0.14 | — | — |
P/E links to full P/E history page with 30-year chart
CNF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 6.20 | 2.64 | 3.53 | 3.13 | 4.28 | 2.32 | 1.89 | 2.84 | — | — |
| EV / EBITDA | — | — | 70.72 | 31.28 | 33.02 | 60.15 | 25.26 | 8.02 | 10.40 | — | — |
| EV / EBIT | — | — | 87.63 | 31.54 | 33.45 | 62.60 | 26.20 | 8.14 | 10.52 | — | — |
| EV / FCF | — | 49.33 | 5.65 | 4.08 | 6.96 | 8.56 | 3.82 | 4.53 | 9.24 | — | — |
CNF Profitability
Margins and return-on-capital ratios measuring operating efficiency
CNFinance Holdings Limited earns an operating margin of -11.2%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 11.2% to -11.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -12.0% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.0% | 87.0% | 51.8% | 54.2% | 45.7% | 65.6% | 55.9% | 46.1% | 44.5% | 49.8% | 57.6% |
| Operating Margin | -11.2% | -11.2% | 3.0% | 11.2% | 9.4% | 6.8% | 8.9% | 23.2% | 27.0% | 23.7% | 22.1% |
| Net Profit Margin | -73.1% | -73.1% | 2.4% | 9.0% | 7.3% | 4.8% | 6.3% | 17.2% | 20.1% | 15.6% | 18.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -12.0% | -12.0% | 0.9% | 4.1% | 3.5% | 1.7% | 3.1% | 16.1% | 35.3% | 36.1% | 21.0% |
| ROA | -3.6% | -3.6% | 0.2% | 1.1% | 0.9% | 0.5% | 0.9% | 3.3% | 4.6% | 4.1% | 3.0% |
| ROIC | -0.6% | -0.6% | 0.3% | 1.2% | 1.1% | 0.6% | 1.2% | 3.7% | 4.8% | 4.9% | 2.9% |
| ROCE | -0.9% | -0.9% | 0.6% | 1.7% | 1.2% | 0.7% | 1.4% | 5.3% | 7.8% | 7.3% | 3.8% |
CNF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $3.9B ($4.2B total debt minus $338M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.18 | 1.18 | 1.47 | 2.23 | 2.00 | 2.12 | 1.65 | 2.10 | 5.03 | 8.58 | 5.64 |
| Debt / EBITDA | — | — | 99.53 | 43.19 | 45.01 | 83.03 | 36.61 | 10.33 | 13.09 | 19.17 | 21.41 |
| Net Debt / Equity | — | 1.08 | 1.03 | 1.60 | 1.45 | 1.50 | 1.10 | 1.59 | 3.94 | 7.85 | 5.38 |
| Net Debt / EBITDA | — | — | 70.18 | 30.89 | 32.65 | 58.56 | 24.31 | 7.82 | 10.23 | 17.53 | 20.44 |
| Debt / FCF | — | 49.30 | 5.60 | 4.03 | 6.88 | 8.33 | 3.68 | 4.42 | 9.09 | 11.34 | 16.52 |
| Interest Coverage | -0.14 | -0.14 | 0.06 | 0.28 | 0.22 | 0.12 | 0.22 | 0.55 | 0.60 | 0.57 | 0.65 |
CNF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.46x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.46 | 0.46 | 0.25 | 0.50 | 16.52 | 41.39 | 4.49 | 2.63 | 0.95 | 0.49 | 1.81 |
| Quick Ratio | 0.46 | 0.46 | 0.25 | 0.50 | 16.52 | 41.39 | 4.49 | 2.63 | 0.95 | 0.49 | 1.81 |
| Cash Ratio | 0.10 | 0.10 | 0.25 | 0.36 | 12.83 | 26.14 | 3.68 | 1.88 | 0.78 | 0.37 | 1.30 |
| Asset Turnover | — | 0.06 | 0.11 | 0.11 | 0.13 | 0.10 | 0.15 | 0.24 | 0.22 | 0.19 | 0.17 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CNF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
CNFinance Holdings Limited returns 24.7% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 115.8% | 1982.0% | 2105.3% | 46.6% | 76.0% | 360.0% | 450.1% | — | — |
| FCF Yield | 100.0% | 3792.4% | 2300.1% | 1982.9% | 1270.4% | 440.7% | 695.4% | 882.1% | 688.6% | — | — |
| Buyback Yield | 24.7% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 24.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $342910 | $3M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M |
Peer Comparison
Compare CNF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CNFYou | $1M | -0.0 | — | 0.1 | 87.0% | -11.2% | -12.0% | -0.6% | — |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
 FINV | $1B | 3.4 | 1.0 | 4.5 | 78.6% | 21.8% | 15.3% | 12.8% | 0.4 |
 LX | $337M | 1.5 | 1.4 | 0.7 | 72.3% | 17.7% | 14.4% | 10.4% | 2.0 |
 UWMC | $345M | 18.5 | 7.6 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 PFSI | $4B | 8.9 | 17.9 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 RKT | $41B | -524.4 | 42.7 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 TREE | $541M | 3.6 | 8.6 | 8.9 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 BEKE | $17B | 40.0 | 29.7 | — | 21.4% | 3.0% | 4.3% | 2.8% | 4.8 |
 SOHO | $46M | -6.6 | 9.5 | 1.8 | 25.7% | 11.4% | 2.9% | 4.3% | 8.5 |
 FANG | $52B | 32.0 | 6.6 | 9.9 | 35.2% | 32.7% | 4.0% | 6.7% | 1.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
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CNF — Frequently Asked Questions
Quick answers to the most common questions about buying CNF stock.
What is CNFinance Holdings Limited's P/E ratio?
CNFinance Holdings Limited's current P/E ratio is -0.0x. The historical average is 0.7x.
What is CNFinance Holdings Limited's ROE?
CNFinance Holdings Limited's return on equity (ROE) is -12.0%. The historical average is 11.0%.
Is CNF stock overvalued?
Based on historical data, CNFinance Holdings Limited is trading at a P/E of -0.0x. Compare with industry peers and growth rates for a complete picture.
What are CNFinance Holdings Limited's profit margins?
CNFinance Holdings Limited has 87.0% gross margin and -11.2% operating margin.