NYSE:CNF

Stock Analysis Report

Executive Summary

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in China.

Snowflake

Fundamentals

Undervalued with poor track record.

Risks

  • CNFinance Holdings is not covered by any analysts.

Similar Companies

Share Price & News

How has CNFinance Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.6%

NYSE:CNF

0.9%

US Mortgage

0.2%

US Market


1 Year Return

n/a

NYSE:CNF

-2.0%

US Mortgage

-0.7%

US Market

No trading data on CNF.

No trading data on CNF.


Share holder returns

CNFIndustryMarket
7 Day0.6%0.9%0.2%
30 Day-3.9%-1.9%-2.7%
90 Day-0.4%-0.4%1.6%
1 Yearn/a0.05%-2.0%1.6%-0.7%
3 Yearn/a32.3%23.5%40.0%30.9%
5 Yearn/a56.8%40.3%53.8%36.8%

Price Volatility Vs. Market

How volatile is CNFinance Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is CNFinance Holdings undervalued based on future cash flows and its price relative to the stock market?

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

CNFinance Holdings's share price is below the future cash flow value, and at a moderate discount (> 20%).

CNFinance Holdings's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

CNFinance Holdings is good value based on earnings compared to the US Mortgage industry average.

CNFinance Holdings is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for CNFinance Holdings, we can't assess if its growth is good value.


Price Based on Value of Assets

CNFinance Holdings is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is CNFinance Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-6.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if CNFinance Holdings is high growth as no revenue estimate data is available.

CNFinance Holdings's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare CNFinance Holdings's revenue growth to the United States of America market average as no estimate data is available.

CNFinance Holdings's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

CNFinance Holdings's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if CNFinance Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has CNFinance Holdings performed over the past 5 years?

29.5%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if CNFinance Holdings's year on year earnings growth rate was positive over the past 5 years.

Unable to compare CNFinance Holdings's 1-year earnings growth to the 5-year average due to insufficient past data.

CNFinance Holdings's earnings growth has not exceeded the US Mortgage industry average in the past year (29.5% vs 32.9%).


Return on Equity

Whilst CNFinance Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.


Return on Assets

CNFinance Holdings used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if CNFinance Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is CNFinance Holdings's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Unable to establish if CNFinance Holdings has an acceptable proportion of non-loan assets without balance sheet data.

Unable to establish if CNFinance Holdings has a sufficient allowance for bad loans without relevant financial data.

Unable to establish if CNFinance Holdings's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.

CNFinance Holdings's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

CNFinance Holdings reports no customer deposits, loans are made up entirely of borrowed funds.

Unable to establish if CNFinance Holdings has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is CNFinance Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate CNFinance Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate CNFinance Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as CNFinance Holdings has not reported any payouts.

Unable to verify if CNFinance Holdings's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as CNFinance Holdings has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of CNFinance Holdings's salary, the management and board of directors tenure and is there insider trading?

2.6yrs

Average board tenure


CEO

Bin Zhai (49yo)

9.6yrs

Tenure

0

Mr. Bin Zhai has been Chairman of CNFinance Holdings Limited since 2017 and also has been its Chief Executive Officer since 2010. Mr. Zhai joined CNFinance Holdings Limited in 2006, as executive director o ...


Board Age and Tenure

2.6yrs

Average Tenure

48.5yo

Average Age

The average tenure for the CNFinance Holdings board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Bin Zhai (49yo)

    Chairman & CEO

    • Tenure: 9.6yrs
  • Ning Li (46yo)

    CFO & Executive Director

    • Tenure: 2.6yrs
  • Christian Arnell

    Investor Relations Officer

    • Tenure: 0.0yrs

Board Members

  • Paul Wolansky (63yo)

    Director

    • Tenure: 18.6yrs
  • Peng Ge (48yo)

    Director

    • Tenure: 2.6yrs
  • Bin Zhai (49yo)

    Chairman & CEO

    • Tenure: 9.6yrs
  • Ning Li (46yo)

    CFO & Executive Director

    • Tenure: 2.6yrs
  • Fengyong Gao (48yo)

    Independent Director

    • Tenure: 0.8yrs
  • Lin Xu (56yo)

    Independent Director

    • Tenure: 0.8yrs
  • Xi Wang

    Independent Director

    • Tenure: 0.4yrs

Company Information

CNFinance Holdings Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CNFinance Holdings Limited
  • Ticker: CNF
  • Exchange: NYSE
  • Founded: 1999
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$372.401m
  • Shares outstanding: 68.58m
  • Website: https://www.cashchina.cn

Number of Employees


Location

  • CNFinance Holdings Limited
  • Tower G
  • 44th Floor
  • Guangzhou
  • Guangdong Province
  • 510620
  • China

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CNFNYSE (New York Stock Exchange)YesSPON ADSUSUSDNov 2018

Biography

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in China. It offers micro credit loan services for micro and small-enterprise owners, and loan lending agency servic ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 01:09
End of Day Share Price2019/08/20 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.