
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.
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