CNFinance Holdings Limited logo
CNFinance Holdings Limited CNF
$ 2.39 0.21%
report update icon

Quarterly report 2025-Q4
added 05-06-2026

CNFinance Holdings Limited Financial Ratios 2025-2011 | CNF

Brief overview of CNFinance Holdings Limited's valuation and returns

Current figures are compared with the company's own five-year history for 2020–2024.

Key multiples at the end of the period are P/E 25.77x (median 35.06x), P/B 1.65x (median 1.18x), P/CF 69.84x (median 5.16x). The combined multiple level is about 39.8% above the company's historical norm, leaving less valuation cushion.

Earnings yield calculated as 1/P/E is about 3.9%, showing current profit per unit of share price.

Returns on assets and capital are represented by ROE -13.1%, ROA -4.6%, ROCE -5.1%. Returns below zero mean resources are not producing positive profit. Recovery in operating results is the main reference point.

High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.

Valuation takeaway

CNFinance Holdings Limited combines weak profitability with valuation above its historical norm, leaving limited cushion.

Annual Financial Ratios CNFinance Holdings Limited

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

-12.5 25.8 15.6 35.1 69.0 36.5 10.9 8.6 8.0 0.1 - - - - -

P/S

- - - - - 3.2 1.9 1.7 2.1 0.0 - - - - -

EPS

- - 0.1 0.1 0.1 0.1 0.4 0.7 0.4 0.2 - - - - -

EV (Enterprise Value)

12.2 B 10.8 B 12.9 B 13.5 B 15.1 B 10.7 B 13.6 B 20.5 B 19.5 B 6.48 B - - - - -

EBITDA per Share

-0.12 -0.28 -0.28 -0.25 -0.27 - 0.01 0.01 0.01 - - - - - -

EV/EBITDA

-73.3 -27.7 -34.0 -40.2 1076.7 - 15.7 13.6 13.5 20.3 - - - - -

PEG

- - - - - -3.3 -1.96 -0.68 0.08 0.18 - - - - -

P/B

1.6 0.2 0.6 1.2 1.2 1.1 1.6 2.4 2.3 0.0 - - - - -

P/CF

69.8 1.3 1.5 5.2 6.5 3.7 4.5 5.6 3.3 0.1 - - - - -

ROE %

-13.14 0.93 4.11 3.48 1.71 3.07 14.86 28.27 29.09 21.05 - - - - -

ROA %

-4.59 0.25 1.01 0.93 0.45 0.94 4.10 4.45 2.92 3.02 - - - - -

ROCE %

-5.10 -9.85 -9.51 -8.71 -9.98 - - - - 3.94 - - - - -

Current Ratio

1.5 1.4 1.3 1.4 1.4 1.4 1.4 1.2 1.1 - - - - - -

DSO

- - - - - - - - - 4.5 - - - - -

DIO

- 2056.1 3109.8 3285.4 3172.3 1778.1 - - - - - - - - -

Operating Cycle

- 2056.1 3109.8 3285.4 3172.3 1778.1 - - - 4.5 - - - - -

Cash Conversion Cycle

- 2056.1 3109.8 3285.4 3172.3 1778.1 - - - 4.5 - - - - -

All numbers in CNY currency

Quarterly Financial Ratios CNFinance Holdings Limited

2025-Q4 2024-Q4 2023-Q4 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EBITDA per Share

-0.12 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

-13.14 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

-4.59 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROCE %

-5.10 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.5 1.4 1.3 1.4 - - - 1.4 - - - 1.4 - - - 1.4 - - - 1.2 - - - 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in CNY currency

Multiples are an important financial analysis tool for the company CNFinance Holdings Limited, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Mortgage finance industry

Issuer Price % 24h Market Cap Country
PennyMac Financial Services PennyMac Financial Services
PFSI
$ 84.35 2.21 % $ 4.36 B usaUSA
Hercules Capital, Inc. Hercules Capital, Inc.
HTGC
$ 15.73 0.58 % $ 1.75 B usaUSA
LendingTree LendingTree
TREE
$ 39.0 -1.14 % $ 530 M usaUSA
Guild Holdings Company Guild Holdings Company
GHLD
- - $ 1.23 B usaUSA
Impac Mortgage Holdings Impac Mortgage Holdings
IMH
- -2.22 % $ 8.37 M usaUSA
Encore Capital Group Encore Capital Group
ECPG
$ 90.16 5.28 % $ 2.09 B usaUSA
Mr. Cooper Group Mr. Cooper Group
COOP
- - $ 13.6 B usaUSA
Altisource Portfolio Solutions S.A. Altisource Portfolio Solutions S.A.
ASPS
$ 5.8 - $ 58.4 M luxembourgLuxembourg
Ocwen Financial Corporation Ocwen Financial Corporation
OCN
- -0.75 % $ 192 M usaUSA
loanDepot loanDepot
LDI
$ 1.01 4.39 % $ 340 M usaUSA
Essent Group Ltd. Essent Group Ltd.
ESNT
$ 65.75 2.06 % $ 6.51 B bermudaBermuda
Income Opportunity Realty Investors Income Opportunity Realty Investors
IOR
$ 21.3 -0.95 % $ 86.6 M usaUSA
Monroe Capital Corporation Monroe Capital Corporation
MRCC
- - $ 105 M usaUSA
Ellington Financial Ellington Financial
EFC
$ 13.37 0.68 % $ 1.34 B usaUSA
Rocket Companies Rocket Companies
RKT
$ 13.05 2.11 % $ 17.3 B usaUSA
Velocity Financial Velocity Financial
VEL
$ 17.41 1.52 % $ 642 M usaUSA
Walker & Dunlop Walker & Dunlop
WD
$ 48.2 2.97 % $ 1.61 B usaUSA