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
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
Health
Dividend
Size
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