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

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Columns are period end dates