Last 35 quarters of trend data · Financial Services · Mortgage Lenders & Servicers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -0.08 | — | — | — | — | — | — | — | — | 0.51 | 0.65 | 1.39 | 0.59 | 0.61 | 0.51 | 0.58 | 0.53 | 1.33 | 0.67 | — | 3.69 |
| — | — | — | — | — | — | — | — | — | -16.8% | +25.7% | +140.2% | +12.5% | -54.2% | -23.3% | — | -85.8% | +185.6% | +66.8% | — | +463.0% | |
| P/S Ratio | — | — | — | — | — | 0.01 | 0.01 | 0.01 | 0.01 | 0.07 | 0.09 | 0.10 | 0.12 | 0.09 | 0.08 | 0.06 | 0.09 | 0.09 | 0.14 | 4.10 | 0.23 |
| — | — | — | — | — | -81.9% | -83.0% | -93.5% | -92.3% | -25.9% | +6.8% | +71.0% | +29.4% | -2.0% | -41.9% | -98.5% | -60.5% | -12.0% | +19.1% | +3193.9% | +130.6% | |
| P/B Ratio | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.04 | 0.06 |
| — | +703.2% | +844.8% | -34.7% | -65.6% | -95.5% | -95.7% | -96.5% | -96.1% | -54.3% | -39.4% | +54.5% | +21.0% | +3.4% | -15.8% | -52.7% | -57.1% | -18.7% | -16.5% | -17.2% | +60.5% | |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 2.06 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | +5795209.9% | — | |
| EV / EBITDA | — | — | — | — | — | 70.70 | 36.52 | 12.61 | -1.76 | 15.16 | 13.13 | 105.04 | 21.63 | 24.28 | 19.86 | 47.41 | 24.73 | 64.58 | 24.51 | — | 66.13 |
| — | — | — | — | — | +366.5% | +178.1% | -88.0% | -108.1% | -37.6% | -33.9% | +121.6% | -12.5% | -62.4% | -19.0% | — | -62.6% | +197.8% | +131.5% | — | +348.1% | |
| EV / EBIT | — | — | — | — | — | — | — | — | — | 7.58 | 6.56 | 105.04 | 21.63 | 24.28 | 19.86 | 48.11 | 24.73 | 64.58 | 24.51 | — | 66.13 |
| — | — | — | — | — | — | — | — | — | -68.8% | -66.9% | +118.3% | -12.5% | -62.4% | -19.0% | — | -62.6% | +197.8% | +131.5% | — | +348.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 425.1% | 100.9% | 100.9% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 109.1% | 95.8% | 82.3% | 74.5% | 72.6% | 85.1% | 73.5% | 106.6% | 1363.1% | 87.1% |
| — | +0.9% | +0.9% | 0.0% | 0.0% | 0.0% | 0.0% | -8.4% | +4.4% | +21.5% | +34.2% | +50.4% | +12.6% | +12.1% | -30.1% | -94.7% | -2.4% | -22.5% | +0.7% | +1142.4% | -4.0% | |
| Operating Margin | -54.9% | 108.0% | 107.8% | 110.6% | 110.6% | 35.3% | 35.3% | 61.3% | 61.3% | 72.9% | 72.9% | 6.3% | 24.9% | 19.3% | 21.7% | 11.2% | 23.1% | 8.3% | 28.6% | -1474.6% | 10.1% |
| — | +206.1% | +205.4% | +80.5% | +80.5% | -51.6% | -51.6% | +872.2% | +145.6% | +278.3% | +236.7% | -43.9% | +7.9% | +132.3% | -24.3% | +100.8% | +128.2% | -68.2% | -27.8% | -3722.1% | -54.5% | |
| Net Margin | -357.4% | 91.5% | 88.9% | 87.8% | 87.8% | -45.8% | -45.8% | -3.7% | -3.7% | 13.6% | 13.6% | 7.5% | 19.5% | 15.2% | 16.0% | 10.5% | 17.0% | 7.0% | 21.1% | -1282.7% | 7.5% |
| — | +299.6% | +293.9% | +2450.2% | +2450.2% | -438.0% | -438.0% | -149.6% | -119.2% | -10.9% | -15.0% | -28.5% | +15.0% | +116.7% | -24.2% | +100.8% | +125.2% | -69.6% | -28.6% | -3974.2% | -49.5% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -12.0% | -6.3% | -5.9% | -6.0% | -5.6% | -0.5% | -0.5% | -0.1% | -0.1% | 0.6% | 0.6% | 0.5% | 1.3% | 1.1% | 1.2% | 0.7% | 1.2% | 0.5% | 1.1% | -2.7% | 0.5% |
| — | -1156.6% | -1084.9% | -4700.0% | -4415.9% | -184.8% | -184.0% | -127.6% | -109.7% | -45.4% | -52.0% | -37.1% | +8.3% | +130.2% | +10.4% | +126.6% | +144.6% | -72.2% | -50.3% | -194.7% | -65.0% | |
| ROA | -3.6% | -2.2% | -2.1% | -2.1% | -1.9% | -0.2% | -0.1% | -0.0% | -0.0% | 0.1% | 0.1% | 0.1% | 0.4% | 0.3% | 0.3% | 0.2% | 0.3% | 0.1% | 0.3% | -0.7% | 0.1% |
| — | -1258.6% | -1306.8% | -6106.5% | -5914.6% | -216.2% | -202.9% | -128.9% | -108.8% | -54.2% | -58.2% | -40.9% | +4.9% | +122.9% | +10.6% | +127.7% | +162.1% | -71.2% | -54.1% | -181.9% | -69.0% | |
| ROIC | -0.6% | -3.6% | -3.4% | -3.8% | -3.1% | 0.1% | 0.1% | 0.9% | 0.7% | 0.7% | 0.8% | 0.1% | 0.4% | 0.4% | 0.4% | 0.2% | 0.4% | 0.1% | 0.4% | -0.7% | 0.2% |
| — | -2653.0% | -2615.5% | -539.7% | -551.3% | -81.0% | -82.2% | +811.2% | +56.5% | +105.5% | +77.7% | -51.5% | +4.0% | +150.3% | +13.8% | +126.2% | +168.7% | -70.1% | -54.4% | -174.5% | -72.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.18 | 0.95 | 0.13 | 0.96 | 0.06 | 1.32 | 0.76 | 1.47 | 0.14 | 2.35 | 2.05 | 2.23 | 1.85 | 1.79 | 1.88 | 2.00 | 1.96 | 1.82 | 1.93 | 2.12 | 2.21 |
| — | -27.6% | -83.4% | -34.3% | -57.2% | -44.0% | -62.8% | -34.3% | -92.3% | +31.2% | +9.2% | +11.8% | -5.5% | -1.3% | -3.0% | -5.8% | -11.2% | -11.8% | +4.9% | +28.5% | +31.8% | |
| Debt / EBITDA | — | — | — | — | — | 342.03 | 198.01 | 71.50 | 6.94 | 74.11 | 64.55 | 578.14 | 113.64 | 131.91 | 112.83 | 258.45 | 121.42 | 327.50 | 127.64 | — | 338.52 |
| — | — | — | — | — | +361.5% | +206.8% | -87.6% | -93.9% | -43.8% | -42.8% | +123.7% | -6.4% | -59.7% | -11.6% | — | -64.1% | +200.3% | +107.3% | — | +316.0% | |
| Current Ratio | 0.46 | — | — | 0.27 | — | 0.41 | — | 0.25 | — | 1.48 | — | 0.50 | 3.86 | 4.31 | 7.33 | 16.52 | 252.85 | — | 100.42 | 41.39 | 7.06 |
| — | — | — | +8.4% | — | -71.9% | — | -48.8% | — | -65.8% | — | -97.0% | -98.5% | — | -92.7% | -60.1% | +3481.5% | — | +1423.1% | +822.5% | +116.9% | |
| Quick Ratio | 0.46 | — | — | 0.27 | — | 0.41 | — | 0.25 | — | 1.48 | — | 0.50 | 3.86 | 4.31 | 7.33 | 16.52 | 252.85 | — | 100.42 | 41.39 | 7.06 |
| — | — | — | +8.4% | — | -71.9% | — | -48.8% | — | -65.8% | — | -97.0% | -98.5% | — | -92.7% | -60.1% | +3481.5% | — | +1423.1% | +822.5% | +116.9% | |
| Interest Coverage | -0.14 | — | — | — | — | — | — | — | — | — | — | 0.08 | 0.40 | 0.30 | 0.36 | 0.15 | 0.32 | 0.11 | 0.29 | -0.59 | 0.12 |
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Includes 30+ ratios · 35 years · Updated daily
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Quick answers to the most common questions about buying CNF stock.
CNFinance Holdings Limited's current P/E is -0.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CNFinance Holdings Limited's current operating margin is -54.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CNFinance Holdings Limited's business trajectory between earnings reports.