XNYSCNF
Market cap2mUSD
Dec 23, Last price
0.86USD
1D
-6.52%
1Q
-12.24%
IPO
-88.38%
Name
CNFinance Holdings Ltd
Chart & Performance
P/E
2.61
P/S
0.51
EPS
2.40
Div Yield, %
0.00%
Shrs. gr., 5y
0.80%
Rev. gr., 5y
-18.43%
Revenues
845m
-21.07%
Net income
165m
+21.62%
CFO
1.71b
+85.56%
Earnings
Jun 05, 2025
Profile
CNFinance Holdings Limited, through 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 63 branches and sub-branches, which included 14 branches and sub-branches in the Pearl River Delta region, 7 branches and sub-branches in the Yangtze River Delta region, and 42 branches and sub-branches in other areas in approximately 50 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
Valuation
Title CNY in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||
Revenues | 844,572 -21.07% | 1,070,053 71.97% | 622,240 -52.25% | |||||
Cost of revenue | 558,324 | 211,003,353,364 | 415,105,100,037 | |||||
Unusual Expense (Income) | ||||||||
NOPBT | 286,248 | (211,002,283,311) | (415,104,477,797) | |||||
NOPBT Margin | 33.89% | |||||||
Operating Taxes | 41,017 | 34,838 | 28,834 | |||||
Tax Rate | 14.33% | |||||||
NOPAT | 245,231 | (211,002,318,149) | (415,104,506,631) | |||||
Net income | 164,618 21.62% | 135,351 107.57% | 65,207 -43.23% | |||||
Dividends | ||||||||
Dividend yield | ||||||||
Proceeds from repurchase of equity | (30,691) | (87,631) | ||||||
BB yield | 382.46% | 1,342.32% | ||||||
| Debt | ||||||||
Debt current | ||||||||
Long-term debt | 8,295,762 | 7,784,725 | 8,072,934 | |||||
Deferred revenue | 39,640 | 35,645 | 53,125 | |||||
Other long-term liabilities | 10,427,935 | (7,865,566) | (8,300,362) | |||||
Net debt | 5,842,073 | (16,393,765,920) | 3,508,455 | |||||
| Cash flow | ||||||||
Cash from operating activities | 1,705,761 | 919,253 | 689,692 | |||||
CAPEX | (114,503) | (89,889) | (3,806) | |||||
Cash from investing activities | (2,483,914) | (1,098,198) | (2,350,564) | |||||
Cash from financing activities | 1,005,541 | (288,156) | 1,932,580 | |||||
FCF | (296,391) | (211,002,341,459) | (415,104,736,163) | |||||
| Balance | ||||||||
Cash | 2,001,602 | 16,401,032,000 | 3,476,435 | |||||
Long term investments | 452,086 | 518,645 | 1,088,044 | |||||
Excess cash | 2,411,460 | 16,401,497,142 | 4,533,367 | |||||
Stockholders' equity | 3,095,528 | 3,004,506 | 2,799,582 | |||||
Invested Capital | 13,880,307 | 11,219,155 | 11,279,527 | |||||
ROIC | 1.95% | |||||||
ROCE | 1.75% | |||||||
| EV | ||||||||
Common stock shares outstanding | 72,295 | 76,355 | 76,295 | |||||
Price | 0.11 29.82% | 0.09 -58.09% | 0.20 -3.09% | |||||
Market cap | 8,025 22.92% | 6,528 -58.06% | 15,564 -3.05% | |||||
EV | 5,850,098 | (16,393,707,671) | 3,524,019 | |||||
EBITDA | 288,001 | (211,002,281,067) | (415,104,473,975) | |||||
EV/EBITDA | 20.31 | 0.08 | ||||||
Interest | 723,081 | 784,777 | 775,566 | |||||
Interest/NOPBT | 252.61% | |||||||