CNFinance Holdings Limited Sponsored ADR (CNF) vs Pineapple Financial Inc. (PAPL)

CNFinance Holdings Limited Sponsored ADR and Pineapple Financial Inc. are both Mortgage Finance companies. Pineapple Financial Inc. is the larger, with a market value of $25.5M against $12.8M — 2.0× the size. Pineapple Financial Inc. has negative trailing earnings, so its P/E is not meaningful; CNFinance Holdings Limited Sponsored ADR trades at 0.6×. Pineapple Financial Inc. grew revenue faster over the last twelve months: −2.54% against −7.19%. CNFinance Holdings Limited Sponsored ADR has the higher net margin (8.88% vs −90.2%) and the higher return on invested capital (0.00% vs −0.40%). Across the 18 metrics below, CNFinance Holdings Limited Sponsored ADR leads on 12 and Pineapple Financial Inc. on 6.

Valuation

Metric CNF PAPL Mortgage Finance median
P/E 0.58 n/m 7.11
P/S 0.05 9.18 1.54
P/B 0.03 0.49 0.53
Price to free cash flow 0.04 n/m 6.59
EV/EBITDA n/m 22.03 22.03
EV/Sales 1.56 13.27 5.95
Earnings yield 172.59% (643.78%) 2.09%
Free cash flow yield 2,281.46% (22.79%) (16.97%)

Profitability

Metric CNF PAPL Mortgage Finance median
Gross margin 61.00% 100.00% 84.40%
Operating margin 0.00% 25.36% 12.51%
Net margin 8.88% (90.19%) (0.83%)
Free cash flow margin 0.00% (209.14%) (45.06%)
Return on equity 0.00% (9.57%) (1.16%)
Return on assets 0.00% (6.23%) 0.38%
Return on invested capital 0.00% (0.40%) 0.36%

Growth

Metric CNF PAPL Mortgage Finance median
Revenue growth (TTM) (7.19%) (2.54%) 11.44%
EPS growth (last fiscal year) (1,282.50%) 53.42% —
Revenue growth, 5-year CAGR (19.48%) 2.13% (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CNF PAPL Mortgage Finance median
Debt to equity 0.95 0.42 1.22
Current ratio 1,057.43 1.00 1.38
Net debt to EBITDA 0.00 0.53 9.85

Dividend

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

Size

Metric CNF PAPL Mortgage Finance median
Market cap 12.83m 25.52m 214.95m

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