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. Dividend growth for five consecutive years.

1.94 0.02 −1.02%
Market cap
$13.5M
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
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
Piotroski F-Score
— — — — 6 5 7 7 6 5
P/E ratio
0.00 0.00 5.57 3.54 16.84 29.14 5.00 6.47 2.79 1.78
P/S ratio
0.00 0.00 0.00 0.61 1.06 0.98 0.38 0.58 0.25 0.16
P/FCF ratio
0.00 0.00 0.00 0.00 0.00 0.43 0.27 0.33 0.14 0.24
P/Operating CF
0.00 0.00 1.92 1.46 1.78 2.62 95.30 135.27 58.41 (1.05)
P/B ratio
0.00 0.00 0.84 0.53 0.53 0.47 0.18 0.27 0.12 0.07
Price to Tangible BV
0.00 0.00 0.84 0.53 0.53 0.47 0.18 0.27 0.12 0.07
EV/Sales
0.00 0.00 0.00 2.45 3.22 4.06 3.50 4.23 4.31 2.49
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
0.00 0.00 0.00 0.00 0.00 1.77 2.43 2.28 2.33 3.20
EV/FCF
0.00 0.00 0.00 0.00 0.00 1.77 2.52 2.44 2.49 3.75
Quick Ratio
0.00 0.00 79.18 49.33 70.04 98.60 60.59 84.35 86.88 54.24
Current Ratio
— — 434.77 324.52 374.80 477.18 393.57 532.67 764.76 771.81
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
79.79% 0.00% 79.18% 57.75% 50.34% 56.21% 54.14% 54.57% 50.59% 33.56%
Debt/Equity
5.57 1.92 5.03 2.09 1.65 2.12 1.99 2.23 1.87 0.96
Asset Turnover
0.10 0.89 0.32 0.19 0.15 0.14 0.13 0.12 0.10 0.05
Operating CF/Net income
1.61 2.42 1.55 2.43 9.75 10.58 6.79 10.36 20.04 (0.18)
Capex/Depreciation
— — (0.89) (0.33) (0.18) (0.85) (39.91) (65.30) (0.62) (0.20)
ROE
16.04% 35.66% 35.10% 15.77% 3.13% 1.78% 3.42% 4.04% 0.93% (12.32%)
ROA
1.81% 14.04% 6.43% 3.22% 0.91% 0.51% 0.92% 1.04% 0.24% (3.72%)
ROIC
0.00% 0.00% 4.81% 4.85% 1.30% 0.62% 1.09% 1.19% 0.29% (5.54%)
Return on Tangible Assets
1,181.30% 2,627.28% 4.70% 4.43% 1.04% 0.57% 1.09% 1.21% 0.32% (7.49%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
0.00% 0.00% 27.57% 34.46% 52.57% 52.97% 49.60% 49.91% 47.56% 110.87%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.00% 0.00% 0.93% 0.51% 3.29% 1.02% 0.30% 0.41% 0.93% 0.00%
Graham Net Nets
0.00 0.00 0.79 1.41 1.31 0.55 2.67 1.23 2.52 1.15
Graham Number
0.00 0.00 0.00 138.94 66.68 52.14 77.14 79.49 0.00 0.00
Earnings Yield
23,695.65% 76,434.78% 17.97% 28.25% 5.94% 3.43% 20.00% 15.45% 35.79% 56.20%
Free Cash Flow Yield
0.00% 0.00% 0.00% 0.00% 0.00% 234.27% 368.54% 301.26% 697.65% 419.64%
Revenue per Share
30.07 76.90 103.37 65.38 39.82 41.78 41.15 38.20 32.60 13.48
Operating CF per Share
8.80 29.29 32.18 27.41 23.65 15.59 19.92 35.14 15.36 1.71
Capex per Share
0.00 0.00 (0.28) (0.08) (0.02) (0.07) (1.94) (2.36) (0.14) (0.06)
Free Cash Flow per Share
8.80 29.29 31.89 27.33 23.63 15.51 17.98 32.79 15.21 1.65
Cash per Share
5.23 28.15 80.64 38.80 43.84 53.98 41.54 44.60 27.02 8.71
Shareholders Equity per Share
24.77 43.23 73.54 75.92 79.05 86.30 85.32 82.60 82.30 72.63
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
24.77 43.23 73.54 75.92 79.05 86.30 85.32 82.60 82.30 72.63
Free Cash Flow
57.18 190.38 199.58 187.47 162.07 106.40 123.29 224.85 104.34 11.31
Working Capital
— — 2,764.52 1,745.03 1,604.74 1,787.93 1,846.04 1,927.96 1,629.41 848.97
Capital Expenditures
(2.29) (2.92) (1.78) (0.51) (0.15) (0.50) (13.31) (16.17) (0.99) (0.43)
Net Current Asset Value
(962.00) (2,516.00) 306.58 386.23 378.51 153.66 283.87 185.76 105.68 (77.51)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.06 0.00 0.00
Price to Operating Income
0.00 0.00 0.00 2.63 12.25 19.25 4.15 5.19 2.24 1.43
Other line items
Depreciation/Fixed assets
0.00 0.00 0.69 1.19 1.28 1.26 0.98 0.21 0.06 0.09
Cash ROIC
5.24% 18.98% 6.08% 10.00% 9.34% 4.80% 6.06% 10.54% 5.77% 1.09%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days of Inventory on Hand
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Assets
1,960.00 561.50 2,023.75 2,404.70 1,828.77 2,001.25 2,190.93 2,232.15 2,201.28 1,757.96
Average Common Equity
221.00 221.00 370.59 490.45 531.41 566.97 588.49 575.80 565.43 531.24

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Columns are period end dates