CNFinance Holdings Ltd (CNF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
CNFinance Holdings Ltd stock (CNF) is currently trading at $4.12. CNFinance Holdings Ltd PS ratio (Price-to-Sales) is 0.08. Analyst consensus price target for CNF is $20.73. WallStSmart rates CNF as Sell.
- CNF PE ratio analysis and historical PE chart
- CNF PS ratio (Price-to-Sales) history and trend
- CNF intrinsic value — DCF, Graham Number, EPV models
- CNF stock price prediction 2025 2026 2027 2028 2029 2030
- CNF fair value vs current price
- CNF insider transactions and insider buying
- Is CNF undervalued or overvalued?
- CNFinance Holdings Ltd financial analysis — revenue, earnings, cash flow
- CNF Piotroski F-Score and Altman Z-Score
- CNF analyst price target and Smart Rating
CNFinance Holdings
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Smart Analysis
CNFinance Holdings Ltd (CNF) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
CNFinance Holdings Ltd (CNF) Key Strengths (2)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
CNFinance Holdings Ltd (CNF) Areas to Watch (7)
Company is destroying shareholder value
Losing money on operations
Revenue declining -75.10%, a shrinking business
Earnings declining -33.30%, profits shrinking
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Low institutional interest, mostly retail-driven
Supporting Valuation Data
CNFinance Holdings Ltd (CNF) Detailed Analysis Report
Overall Assessment
This company scores 30/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 2 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 1.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.08), Price/Book (0.05) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Revenue Growth. Growth concerns include Revenue Growth at -75.10%, EPS Growth at -33.30%, which may limit upside. Profitability pressure is visible in Return on Equity at -1.25%, Operating Margin at -60.60%, Profit Margin at -14.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -1.25% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -75.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CNF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CNF's Price-to-Sales ratio of 0.08x trades 323% above its historical average of 0.02x (93th percentile), historically expensive. The current valuation is 15% below its historical high of 0.1x set in Feb 2026, and Infinity% above its historical low of 0x in May 2025. Over the past 12 months, the PS ratio has expanded from ~0.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for CNFinance Holdings Ltd (CNF) · FINANCIAL SERVICES › MORTGAGE FINANCE
The Big Picture
CNFinance Holdings Ltd is in a turnaround phase, with management focused on restoring profitability. Revenue reached 360M with 75% decline year-over-year. The company is currently unprofitable, posting a -14.0% profit margin.
Key Findings
Revenue contracted 75% YoY. Worth determining whether this is cyclical or structural.
The company is unprofitable with a -14.0% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Debt management: total debt of 5.3B is significantly higher than cash (922M). Monitor refinancing risk.
Sector dynamics: monitor MORTGAGE FINANCE industry trends, competitive moves, and regulatory changes that could impact CNFinance Holdings Ltd.
Bottom Line
CNFinance Holdings Ltd is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About CNFinance Holdings Ltd(CNF)
NYSE
FINANCIAL SERVICES
MORTGAGE FINANCE
China
CNFinance Holdings Limited, offers home equity loan services in the People's Republic of China. The company is headquartered in Guangzhou, China.