CNFinance Holdings Limited (CNF)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | CNY m | 1,834 | 1,372 | 1,844 | 1,837 | 1,600 | 626 | -937 | 907 |
| Operating profit | CNY m | -70 | - | ||||||
| Net profit | CNY m | 115 | 65 | 135 | 165 | 38 | -458 | -830 | - |
| EPS reported | CNY | -1,334 | -1,311 | ||||||
| Operating cashflow per share | CNY | 239.6 | 0.00 | ||||||
| Capex per share | CNY | 10.11 | 0.00 | ||||||
| FCF per share | CNY | 229.4 | 0.00 | ||||||
| Free cash flow | CNY m | 79 | 0 | ||||||
| Net debt | CNY m | 3,385 | 2,694 | ||||||
| Book value equity | CNY m | 3,583 | 3,175 | ||||||
| Book value per share | CNY | 10,449 | 635.7 | ||||||
| Number of shares | m | 0.34 | 4.99 | ||||||
| DPS (TTM paid) | CNY | 0.00 | 0.00 |
Financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 0.00 | 0.00 | ||||||
| P/S LTM | x | 0.02 | -0.02 | ||||||
| P/FCF LTM | x | 0.18 | 0.00 | ||||||
| EV/EBITDA LTM | x | -62.86 | 0.00 | ||||||
| EV/Sales LTM | x | 5.50 | -0.21 | ||||||
| Earnings Yield LTM | % | -31.54% | -11.25% | ||||||
| FCF Yield | % | +542.35% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | -12.77% | -24.56% | ||||||
| ROIC | % | -0.55% | -11.15% | ||||||
| Operating margin | % | -11.23% | +1.09% | ||||||
| Gross margin | % | +86.95% | +100.00% | ||||||
| FCF/Sales | % | +12.57% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | -60.88% | - | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -89.50% | -100.00% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.02 | 0.00 | ||||||
| Net Debt/EBITDA | x | -62.60 | 0.00 | ||||||
| EBIT/Net interest | x | -0.14 | 0.00 | ||||||
| Net debt/market cap | % | +289.86% | +9.10% | ||||||
| Net debt/Equity | x | 0.94 | 0.85 | ||||||
| Gross debt/equity | x | 1.18 | 0.95 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions specifically designed for owners of micro and small enterprises, and functions as a loan origination agent for other financial entities. Additionally, it provides bridge financing, which consists of unsecured, short-term loans intended to help clients repay existing debts secured by real property. Established in 1999 and headquartered in Guangzhou, CNFinance maintains a significant operational presence, with a network of 63 branches and sub-branches spread across approximately 50 cities in China. This network includes 14 locations within the Pearl River Delta region, 7 in the Yangtze River Delta region, and an additional 42 facilities in other parts of the country.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
CNFinance Holdings Limited (CNF)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions specifically designed for owners of micro and small enterprises, and functions as a loan origination agent for other financial entities. Additionally, it provides bridge financing, which consists of unsecured, short-term loans intended to help clients repay existing debts secured by real property. Established in 1999 and headquartered in Guangzhou, CNFinance maintains a significant operational presence, with a network of 63 branches and sub-branches spread across approximately 50 cities in China. This network includes 14 locations within the Pearl River Delta region, 7 in the Yangtze River Delta region, and an additional 42 facilities in other parts of the country.
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