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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. 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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.16%

Capital & Financial Ratios $m

Market Cap 13.45
Revenue 261.96
Net Income (0.54)
Free Cash Flow 174.12
Net Debt 395.21
Current Ratio 1,057.43
Debt/Equity 0.95
P/E ratio 0.57
Fwd P/E 5.57
P/S ratio 0.05
P/B ratio 0.03
Past 5Y EPS Growth —
This Y EPS Growth (75.70%) (below 0%: weak)
Next Y EPS Growth 83.48% (at or above 15%: strong)
Next Y revenue growth 1,041.98% (at or above 10%: strong)
Next 5Y EPS Growth (14.33%) (below 0%: weak)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 12.23%
10-year low 10-year high
P/S against its own 10 years 0.87%
10-year low 10-year high
P/B against its own 10 years 0.82%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2022 Powerpack
2021 Powerpack
2020 Powerpack
special payouts not included in total or ratios

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%)

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.

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 0.60 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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 50.00 39.30 29.00 29.50 12.50 14.10 8.10 2.36

Analyst estimates 2026–2028

Powerpack
High — — 77.40 70.00 50.50 63.40 48.60 41.00 28.40 13.90
People
People Employees — 4,989 2,761 1,351 1,062 901 930 897 691 326
Revenue/emp, $m 0.00 0.10 0.23 0.33 0.26 0.32 0.30 0.29 0.32 0.28
Income, $m
Income, $m Revenue 195 500 647 448 273 287 282 262 224 92
Gross margin, % 0.00 0.00 54.61 57.73 61.20 58.04 58.68 61.00 50.57 22.96
EBT 43 120 175 104 24 15 26 29 7 (81)
EBT margin, % 22.18 23.94 27.04 23.27 8.63 5.07 9.09 11.09 3.00 (87.91)
Net income 35 0 130 77 17 10 20 23 5 (65)
Depreciation — — 2 2 1 1 0 0 2 2
Per share, $
Per share, $ Revenue 30.07 76.90 103.37 65.38 39.82 41.78 41.15 38.20 32.60 13.48
Earnings 0.27 0.61 20.00 11.20 2.60 1.50 2.90 3.40 0.80 (9.46)
Cash flow 8.80 29.29 32.18 27.41 23.65 15.59 19.92 35.14 15.36 1.71
Capex 0.00 0.00 (0.28) (0.08) (0.02) (0.07) (1.94) (2.36) (0.14) (0.06)
Free cash flow 8.80 29.29 31.89 27.33 23.63 15.51 17.98 32.79 15.21 1.65
Book value 24.77 43.23 73.54 75.92 79.05 86.30 85.32 82.60 82.30 72.63
Shares, m 7 7 6 7 7 7 7 7 7 7
Valuation, ×
Valuation, × P/E 0.00 0.00 5.57 3.54 16.84 29.14 5.00 6.47 2.79 1.78
P/S 0.00 0.00 0.00 0.61 1.06 0.98 0.38 0.58 0.25 0.16
P/B 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/FCF 0.00 0.00 0.00 0.00 0.00 1.77 2.52 2.44 2.49 3.75
Cash, $m
Cash, $m Operating cash flow 57 190 201 188 162 107 137 241 105 12
Capex (2) (3) (2) (1) 0 (1) (13) (16) (1) 0
Free cash flow 57 190 200 187 162 106 123 225 104 11
Balance, $m
Balance, $m Working capital — — 2,765 1,745 1,605 1,788 1,846 1,928 1,629 849
Total debt 896 539 2,316 1,089 892 1,254 1,165 1,262 1,058 478
Net debt 862 356 1,811 822 592 883 880 956 872 419
Shareholders’ equity 161 281 460 521 542 592 585 566 564 498
Returns, %
Returns, % 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)
ROE 16.04 35.66 35.10 15.77 3.13 1.78 3.42 4.04 0.93 (12.32)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Dec 2023

Charts ten years each

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
ONIT Onity Group Inc. $222.8M 1.5× 6.2× +14.72% (above 0%: growing) n/m −9.61% (below 0%: shrinking) 100.00% 25.95% Compare
BETR Better Home & Finance Holding Company $204.6M — (loss-making) — (loss-making) +25.81% (above 0%: growing) n/m +136.12% (above 0%: growing) 89.80% 0.00% Compare
LDI loanDepot, Inc. $191.7M — (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 $115.2M — (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. $74.4M 19.6× 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. $24.4M 0.4× 6.1× +56.62% (above 0%: growing) n/m +146.53% (above 0%: growing) 100.00% (171.05%) Compare
PAPL Pineapple Financial Inc. $23.0M — (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 $13.5M 0.6× 5.6× −28.23% (below 0%: shrinking) −42.86% (below 0%: shrinking) −137.50% (below 0%: shrinking) 57.90% 0.00%
AAMCF Accelitron Advanced Motor Controls, Inc. $3.2M — (loss-making) 1.0× −97.81% (below 0%: shrinking) n/m +107.17% (above 0%: growing) 100.00% (2,385.71%) Compare
Median of peers $94.8M 1.5× 6.1× +17.05% — +121.65% 96.83% 5.23%

All 14 Mortgage Finance stocks →

CNFinance Holdings Limited Sponsored ADR (CNF) key facts

  • Concern: CNFinance Holdings Limited Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $92.4 million, down 58.7% from fiscal 2024.
  • CNFinance Holdings Limited Sponsored ADR (CNF) is a Mortgage Finance company in the Financial sector, traded in the US as an ADR.
  • As of October 16, 2026, CNF traded at $1.94, a market capitalization of $13.5 million.
  • Return on equity was −12.3% and debt-to-equity 0.95.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

CNFinance Holdings Limited Sponsored ADR (CNF) Latest News

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stockrow.com/CNF · Data as of Dec 31, 2023 · For information only; not investment advice. · © 2026 stockrow.com