Last 31 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
EV/EBITDA has expanded 366.5% YoY to 70.7x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -0.02 | — | — | — | — | 0.51 | 0.65 | 1.39 | 0.59 | 0.61 | 0.51 | 0.58 | 0.53 |
| — | — | — | — | — | -16.8% | +25.7% | +140.2% | +12.5% | -54.2% | -23.3% | — | -85.8% | |
| P/S Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.07 | 0.09 | 0.06 | 0.07 | 0.06 | 0.05 | 0.03 | 0.05 |
| — | -81.9% | -83.0% | -88.6% | -87.5% | +20.9% | +70.6% | +70.2% | +37.0% | +3.7% | -27.9% | -99.2% | -57.1% | |
| P/B Ratio | 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 |
| — | -95.5% | -95.7% | -96.5% | -96.1% | -54.3% | -39.4% | +54.5% | +21.0% | +3.4% | -15.8% | -52.7% | -57.1% | |
| P/FCF | 0.09 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| 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 |
| — | +366.5% | +178.1% | -88.0% | -108.1% | -37.6% | -33.9% | +121.6% | -12.5% | -62.4% | -19.0% | — | -62.6% | |
| EV / EBIT | — | — | — | — | — | 7.58 | 6.56 | 105.04 | 21.63 | 24.28 | 19.86 | 48.11 | 24.73 |
| — | — | — | — | — | -68.8% | -66.9% | +118.3% | -12.5% | -62.4% | -19.0% | — | -62.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
CNFinance Holdings Limited's operating margin was 35.3% in Q2 2025, down 0.0 pp QoQ and down 37.6 pp YoY. The trailing four-quarter average of 48.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 87.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 62.0% | 59.0% | 50.4% | 46.6% | 41.4% | 49.4% |
| — | 0.0% | 0.0% | +61.4% | +69.6% | +98.2% | +114.4% | +49.7% | +19.2% | +18.6% | -13.3% | -97.0% | +6.0% | |
| Operating Margin | -11.2% | 35.3% | 35.3% | 61.3% | 61.3% | 72.9% | 72.9% | 3.6% | 15.4% | 11.8% | 13.6% | 6.4% | 13.4% |
| — | -51.6% | -51.6% | +1612.5% | +298.9% | +517.4% | +437.8% | -44.1% | +14.3% | +145.7% | -6.0% | +100.4% | +147.7% | |
| Net Margin | -73.1% | -45.8% | -45.8% | -3.7% | -3.7% | 13.6% | 13.6% | 4.3% | 12.0% | 9.3% | 10.0% | 6.0% | 9.9% |
| — | -438.0% | -438.0% | -187.4% | -131.1% | +45.4% | +35.7% | -28.9% | +21.8% | +129.3% | -6.0% | +100.5% | +144.5% |
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -12.0% | -0.5% | -0.5% | -0.1% | -0.1% | 0.6% | 0.6% | 0.5% | 1.3% | 1.1% | 1.2% | 0.7% | 1.2% |
| — | -184.8% | -184.0% | -127.6% | -109.7% | -45.4% | -52.0% | -37.1% | +8.3% | +130.2% | +10.4% | +126.6% | +144.6% | |
| ROA | -3.6% | -0.2% | -0.1% | -0.0% | -0.0% | 0.1% | 0.1% | 0.1% | 0.4% | 0.3% | 0.3% | 0.2% | 0.3% |
| — | -216.2% | -202.9% | -128.9% | -108.8% | -54.2% | -58.2% | -40.9% | +4.9% | +122.9% | +10.6% | +127.7% | +162.1% | |
| ROIC | -0.6% | 0.1% | 0.1% | 0.9% | 0.7% | 0.7% | 0.8% | 0.1% | 0.4% | 0.4% | 0.4% | 0.2% | 0.4% |
| — | -81.0% | -82.2% | +811.2% | +56.5% | +105.5% | +77.7% | -51.5% | +4.0% | +150.3% | +13.8% | +126.2% | +168.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
CNFinance Holdings Limited's Debt/EBITDA ratio is 342.0x, up from 198.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 71.9% YoY to 0.41x, tightening the short-term liquidity position.
| Metric | TTM | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.18 | 1.32 | 0.76 | 1.47 | 0.14 | 2.35 | 2.05 | 2.23 | 1.85 | 1.79 | 1.88 | 2.00 | 1.96 |
| — | -44.0% | -62.8% | -34.3% | -92.3% | +31.2% | +9.2% | +11.8% | -5.5% | -1.3% | -3.0% | -5.8% | -11.2% | |
| 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 |
| — | +361.5% | +206.8% | -87.6% | -93.9% | -43.8% | -42.8% | +123.7% | -6.4% | -59.7% | -11.6% | — | -64.1% | |
| Current Ratio | 0.46 | 0.41 | — | 0.25 | — | 1.48 | — | 0.50 | 3.86 | 4.31 | 7.33 | 16.52 | 252.85 |
| — | -71.9% | — | -48.8% | — | -65.8% | — | -97.0% | -98.5% | — | -92.7% | -60.1% | +3481.5% | |
| Quick Ratio | 0.46 | 0.41 | — | 0.25 | — | 1.48 | — | 0.50 | 3.86 | 4.31 | 7.33 | 16.52 | 252.85 |
| — | -71.9% | — | -48.8% | — | -65.8% | — | -97.0% | -98.5% | — | -92.7% | -60.1% | +3481.5% | |
| Interest Coverage | -0.14 | — | — | — | — | — | — | 0.08 | 0.40 | 0.30 | 0.36 | 0.15 | 0.32 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 31 years · Updated daily
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CNFinance Holdings Limited's current P/E is -0.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CNFinance Holdings Limited's current operating margin is -11.2%. 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.