CNF:NYE-CNFinance Holdings Limited (USD)

COMMON STOCK | Mortgage Finance | NYE

Last Closing Price

USD 5.20

Change

0.00 (0.00)%

Market Cap

USD 0.36B

Volume

0.06M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

CNFinance Holdings Limited, together with its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates a network of 56 branches and sub-branches, which included 13 branches and sub-branches in the Pearl River Delta region, 6 branches and sub-branches in the Yangtze River Delta region, and 37 branches and sub-branches in other areas in approximately 40 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, China. Address: Tower G, Guangzhou, China, 510620

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-10-16 )

Largest Industry Peers for Mortgage Finance

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HTGC Hercules Capital Inc

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USD2.02B 6.01 N/A
EFC Ellington Financial Inc

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USD0.94B 4.44 N/A
GHLD Guild Holdings Company

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USD0.84B 1.92 N/A
OCN Ocwen Financial Corporation

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USD0.27B 175.75 98.82
IOR Income Opportunity Realty Inve..

N/A

USD0.05B 11.95 N/A
IMH Impac Mortgage Holdings Inc

N/A

USD0.03B 7.94 30.62
EFC-PA Ellington Financial Inc

N/A

N/A 6.30 N/A

ETFs Containing CNF

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Mortgage Finance)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 23.52% 91% A- 73% C
Dividend Return N/A N/A N/A N/A N/A
Total Return 23.52% 73% C 70% C-
Trailing 12 Months  
Capital Gain 61.49% 90% A- 80% B-
Dividend Return N/A N/A N/A N/A N/A
Total Return 61.49% 90% A- 79% C+
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -11.67% 20% F 5% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -11.67% 20% F 4% F
Risk Return Profile  
Volatility (Standard Deviation) 21.47% 80% B- 53% F
Risk Adjusted Return -54.34% 10% F 3% F
Market Capitalization 0.36B 40% F 33% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Mortgage Finance)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.20 45% F 80% B-
Price/Book Ratio 0.58 90% A- 95% A
Price / Cash Flow Ratio 0.32 60% D- 79% C+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.19% 27% F 47% F
Return on Invested Capital 1.17% 45% F 34% F
Return on Assets 2.31% 27% F 47% F
Debt to Equity Ratio 151.01% 38% F 23% F
Technical Ratios  
Short Ratio 0.67 90% A- 76% C
Short Percent 0.23% 90% A- 89% B+
Beta 0.41 90% A- 85% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector