CNFinance Holdings Limited Sponsored ADR (CNF) vs Income Opportunity Realty Investors, Inc. (IOR)

CNFinance Holdings Limited Sponsored ADR and Income Opportunity Realty Investors, Inc. are both Mortgage Finance companies. Income Opportunity Realty Investors, Inc. is the larger, with a market value of $74.1M against $12.8M — 5.8× the size. CNFinance Holdings Limited Sponsored ADR trades at the lower P/E: 0.6× against 19.8×. CNFinance Holdings Limited Sponsored ADR has the higher net margin (8.88% vs 0.00%) and the higher return on invested capital (0.00% vs −0.19%). Across the 17 metrics below, CNFinance Holdings Limited Sponsored ADR leads on 12 and Income Opportunity Realty Investors, Inc. on 5.

Valuation

Metric CNF IOR Mortgage Finance median
P/E 0.58 19.82 7.11
P/S 0.05 116.00 1.54
P/B 0.03 0.58 0.53
Price to free cash flow 0.04 3.52 6.59
EV/EBITDA n/m n/m 22.03
EV/Sales 1.56 115.95 5.95
Earnings yield 172.59% 5.05% 2.09%
Free cash flow yield 2,281.46% 28.43% (16.97%)

Profitability

Metric CNF IOR Mortgage Finance median
Gross margin 61.00% 0.00% 84.40%
Operating margin 0.00% 0.00% 12.51%
Net margin 8.88% 0.00% (0.83%)
Free cash flow margin 0.00% 0.00% (45.06%)
Return on equity 0.00% 2.96% (1.16%)
Return on assets 0.00% 2.96% 0.38%
Return on invested capital 0.00% (0.19%) 0.36%

Growth

Metric CNF IOR Mortgage Finance median
Revenue growth (TTM) (7.19%) — 11.44%
EPS growth (last fiscal year) (1,282.50%) (14.04%) —
Revenue growth, 5-year CAGR (19.48%) — (11.16%)
Net income growth, 5-year CAGR 0.00% (1.09%) 0.00%

Health

Metric CNF IOR Mortgage Finance median
Debt to equity 0.95 0.00 1.22
Current ratio 1,057.43 31,909.00 1.38
Net debt to EBITDA 0.00 0.02 9.85

Dividend

Metric CNF IOR Mortgage Finance median
Dividend yield — — 5.81%
Payout ratio 0.00 0.00 0.00

Size

Metric CNF IOR Mortgage Finance median
Market cap 12.83m 74.05m 214.95m

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