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CNFinance Holdings Limited Sponsored ADR

CNF Financial Mortgage Finance

CNFinance Holdings Limited Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $92.4 million, down 58.7% from fiscal 2024.

2.00 0.01 +0.50%
Market cap
$13.7M
P/E
0.6×
Fwd P/E
5.6×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.16%

Capital & Financial Ratios $m

Size
Market Cap 13.65
Revenue ttm 261.96
Net income ttm (0.54)
Free cash flow ttm 174.12
Net debt Q 395.21
Valuation
P/E 0.59
Forward P/E 5.57
Price / sales 0.05
Forward P/S Powerpack
Price / FCF 0.08
Price / book 0.03
Financial health
Current ratio Q 1,057.43
Debt / equity Q 0.95
Interest coverage Q —
Growth
Revenue growth Q −28.23% (below 0%: shrinking)
Operating income growth Q −46.11% (below 0%: shrinking)
EPS, this year −75.70% (below 0%: weak)
EPS, next year A +83.48% (at or above 15%: strong)
Revenue, next year A +1,041.98% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A −14.33% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 13.23%
10-year low 10-year high
P/S against its own 10 years 2.11%
10-year low 10-year high
P/B against its own 10 years 2.03%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 306 185 60 50
Receivables — — — —
Inventory — — — —
Other — — — —
1,932 1,632 850 768
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt — — — —
Other — — — —
4 2 1 1

Compound Annual Growth %

10y 5y 3y
Sales — (19.48%) (31.07%)
Cash Flow — (40.85%) (55.86%)
Earnings — 0.00% 0.00%
Book Value — (1.68%) (5.23%)

Earnings Trends EPS, adjusted, against the consensus

Dec 2023 Estimate 1.10 Actual 0.40

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Mar 2023 0.90 0.90 Met by 0.00
Jun 2023 1.20 0.80 Miss by 0.40
Sep 2023 1.10 1.00 Miss by 0.10
Dec 2023 1.10 0.40 Miss by 0.70

EPS $

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — (9.46)
’24 — — — — 0.80
’23 0.90 0.80 1.00 0.40 3.20
’22 1.00 0.40 0.90 0.42 2.60
’21 1.80 1.50 0.40 (2.40) 1.40
’20 (1.40) 0.50 1.00 2.20 2.40
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 92
’24 — — — — 224
’23 72 65 61 64 262
’22 70 65 58 89 282
’21 66 72 73 75 287
’20 75 71 76 50 273
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — (40) — — 12
’24 — — — — 105
’23 — — — — 241
’22 — — 135 1 137
’21 — — — 107 107
’20 — — — 162 162
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — (40) — — 11
’24 — — — — 104
’23 — — — (16) 225
’22 — — 135 (12) 123
’21 — — — 106 106
’20 — — — 162 162
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 195 500 647 448 273 287 282 262 224 92 262 (8.0%) 1,055 — — +1,042.0%
Gross margin, % 0.00 0.00 54.61 57.73 61.20 58.04 58.68 61.00 50.57 22.96 61.00 +23.0 pt
EBT 43 120 175 104 24 15 26 29 7 (81) 29 n/m
EBT margin, % 22.18 23.94 27.04 23.27 8.63 5.07 9.09 11.09 3.00 (87.91) 11.09 (110.1) pt
Net income 35 0 130 77 17 10 20 23 5 (65) (1) n/m
Per share, $
Per share, $ Revenue 31.77 81.25 103.37 65.38 39.82 41.78 41.15 38.20 32.60 13.48 38.20 (9.1%)
Earnings 5.76 12.81 20.00 11.20 2.60 1.50 2.90 3.40 0.80 (9.46) 3.40 n/m
Cash flow 9.29 30.95 32.18 27.41 23.65 15.59 19.92 35.14 15.36 1.71 0.00 (17.1%)
Capex 0.00 0.00 (0.28) (0.08) (0.02) (0.07) (1.94) (2.36) (0.14) (0.06) 0.00 n/m
Free cash flow 9.29 30.95 31.89 27.33 23.63 15.51 17.98 32.79 15.21 1.65 0.00 (17.5%)
Book value 26.17 45.67 73.54 75.92 79.05 86.30 85.32 82.60 82.30 72.63 0.00 +12.0%
Shares, m 6 6 6 7 7 7 7 7 7 7 7 +1.2%
Valuation, ×
Valuation, × P/E 0.00 0.00 5.57 3.54 16.84 29.14 5.24 6.47 2.79 1.78 0.59 7.1
P/S 0.00 0.00 0.00 0.61 1.06 0.98 0.38 0.58 0.25 0.16 0.05 0.4
P/B 0.00 0.00 0.84 0.53 0.53 0.47 0.18 0.27 0.12 0.07 0.03 0.3
EV/Sales 0.00 0.00 0.00 2.45 3.22 4.06 3.50 4.23 4.31 2.49 — 2.4
EV/FCF 0.00 0.00 0.00 0.00 0.00 1.77 2.52 2.44 2.49 3.75 — 1.3
Cash, $m
Cash, $m Operating cash flow 57 190 201 188 162 107 137 241 105 12 204 (16.1%)
Capex (2) (3) (2) (1) 0 (1) (13) (16) (1) 0 (30) (16.9%)
Free cash flow 57 190 200 187 162 106 123 225 104 11 174 (16.5%)
Balance, $m
Balance, $m Working capital — — 2,765 1,745 1,605 1,788 1,846 1,928 1,629 849 767 (15.5%)
Net debt 862 356 1,811 822 592 883 880 956 872 419 395 (7.7%)
Shareholders’ equity 161 281 460 521 542 592 585 566 564 498 468 +13.4%
Returns, %
Returns, % ROA 1.81 14.04 6.43 3.22 0.91 0.51 0.92 1.04 0.24 (3.72) 0.00 (5.5) pt
ROIC 0.00 0.00 4.81 4.85 1.30 0.62 1.09 1.19 0.29 (5.54) 0.00 (5.5) pt
ROE 16.04 35.66 35.10 15.77 3.13 1.78 3.42 4.04 0.93 (12.32) 0.00 (28.4) pt
People
People Employees — 4,989 2,761 1,351 1,062 901 930 897 691 326 — (28.9%)
Revenue/emp, $m 0.00 0.10 0.23 0.33 0.26 0.32 0.30 0.29 0.32 0.28 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Dec 2023 · fundamentals updated 26 Oct 2026

CNFinance Holdings Limited Sponsored ADR vs peers in Mortgage Finance (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
VEL Velocity Financial, Inc. $689.0M 6.3× 12.1× +34.05% (above 0%: growing) +3.03% (above 0%: growing) −152.77% (below 0%: shrinking) 0.00% 0.00% Compare
BETR Better Home & Finance Holding Company $360.6M — (loss-making) — (loss-making) +25.81% (above 0%: growing) n/m +136.12% (above 0%: growing) 89.80% 0.00% Compare
ONIT Onity Group Inc. $269.2M 2.0× 13.2× −0.78% (below 0%: shrinking) −80.82% (below 0%: shrinking) +306.19% (above 0%: growing) 100.00% 0.00% Compare
LDI loanDepot, Inc. $211.5M — (loss-making) — (loss-making) +19.39% (above 0%: growing) n/m +589.11% (above 0%: growing) 87.77% 10.45% Compare
GHI Greystone Housing Impact Investors LP $103.1M — (loss-making) 3.2× −7.10% (below 0%: shrinking) n/m −92.85% (below 0%: shrinking) 93.66% 60.90% Compare
IOR Income Opportunity Realty Investors, Inc. $72.7M 20.1× 13.8× +534.29% (above 0%: growing) −29.17% (below 0%: shrinking) +155.56% (above 0%: growing) 0.00% 0.00% Compare
BLNE Beeline Holdings, Inc. $21.2M — (loss-making) 6.1× +56.62% (above 0%: growing) n/m +146.53% (above 0%: growing) 100.00% (171.05%) Compare
PTIV Pineapple Financial Inc. $19.2M — (loss-making) — (loss-making) −16.66% (below 0%: shrinking) n/m −914.00% (below 0%: shrinking) 100.00% 4,077.43% Compare
CNF CNFinance Holdings Limited Sponsored ADR $13.7M 0.6× 5.6× −28.23% (below 0%: shrinking) −28.49% (below 0%: shrinking) −137.50% (below 0%: shrinking) 57.90% 0.00%
Median of peers $157.3M 6.3× 12.1× +22.60% −29.17% +141.33% 91.73% 0.00%

All 13 Mortgage Finance stocks →

CNFinance Holdings Limited Sponsored ADR (CNF) Latest News

28 Aug

Impact 3 ·
Impact 3 ·

21 Jan

Impact 3 · · MT Newswires

22 Dec

Impact 3 · · MT Newswires

10 Dec

Impact 3 · · PR NewswireMT NewswiresGuruFocus.comSimply Wall St.Motley FoolMotley FoolGuruFocus.comSimply Wall St.

17 Oct

Impact 3 · · MT NewswiresMT NewswiresMT NewswiresMT NewswiresMT NewswiresMT NewswiresMT NewswiresMT Newswires

14 Oct

Impact 3 · · PR NewswireInsider MonkeyMT NewswiresMT NewswiresMT NewswiresMT NewswiresMT NewswiresTipRanks

3 Oct

Impact 3 · · MT Newswires

27 Sep

Impact 3 · · Insider Monkey

23 Sep

Impact 3 · · MT Newswires

5 Sep

Impact 4 ·

29 Aug

Impact 3 · transcript

15 Aug

Impact 3 ·

13 Aug

Impact 3 · · MT Newswires

2 May

Impact 3 ·

30 Apr

Impact 3 · · PR Newswire

19 Mar

Impact 3 ·

9 Oct

Impact 3 · · GuruFocus.com

27 Aug

Impact 3 · · PR Newswire

21 Aug

Impact 3 · · PR Newswire

7 Jul

Impact 4 · · Simply Wall St.

27 May

Impact 4 · · Simply Wall St.
Impact 3 · · PR Newswire

26 Apr

Impact 3 · · PR Newswire

2 Apr

Impact 3 · · Insider Monkey

28 Mar

Impact 3 · · PR Newswire

22 Mar

Impact 3 · · PR Newswire

28 Feb

Impact 4 · · InvestorPlace

23 Dec

Impact 3 · · Simply Wall St.

1 Dec

Impact 3 · · Insider Monkey
stockrow.com/CNF · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com