CNFinance Holdings Ltd
Research CNFinance Holdings Ltd (CNF) on Bullrun: valuation model: 51.3% undervalued, market cap USD 37.09M, P/E 6.6. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCNF
- ExchangeNYSE
- CountryChina
- SectorFinancial Services
- IndustryMortgage Finance
- CurrencyUSD
- Valuation signal51.3% undervalued
- Market capUSD 37.09M
- P/E6.6
- Financial periodQ4 2025
- RevenueCNY 135.76M
- Net income-CNY 470.39M
- Free cash flowCNY 80.88M
Valuation Snapshot
Bullrun's latest valuation model marks CNFinance Holdings Ltd as 51.3% undervalued; latest market cap is USD 37.09M; P/E is 6.6.
Peer valuation comparison
Latest P/E is 6.58x versus a Financial Services sector median of 13.84x (52.5% below).
Latest P/E is 6.58x versus a China median of 10.67x (38.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2023 | CNY 1.11B | CNY 164.62M | n/a | n/a | 14.6 | CNY 2.55B | CNY 8.27B | CNY 4.01B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 37.09M | 6.6 | n/a | n/a |
| 2025 | 2025-12-31 | USD 41.49M | 18.3 | n/a | n/a |
| 2024 | 2024-12-31 | USD 65.15M | 28.8 | n/a | n/a |
| 2023 | 2023-12-29 | USD 152.25M | 63.4 | n/a | n/a |
| 2022 | 2022-12-30 | USD 117.28M | n/a | n/a | n/a |
| 2021 | 2021-12-31 | USD 279.81M | n/a | n/a | n/a |
About CNFinance Holdings Ltd
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. The company offers micro credit loan services for micro and small-enterprise owners; loan facilitation, post facilitation, and guarantee services for commercial banks; and loan lending agency services for financial institutions. It also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property.
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Frequently asked questions
Is CNFinance Holdings Ltd overvalued or undervalued?
Bullrun's valuation model currently marks CNFinance Holdings Ltd as 51.3% undervalued.
What is CNFinance Holdings Ltd's market cap?
CNFinance Holdings Ltd's market capitalization is USD 37.09M.
What is CNFinance Holdings Ltd's P/E ratio?
CNFinance Holdings Ltd's price-to-earnings (P/E) ratio is 6.6.
What does CNFinance Holdings Ltd do?
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. The company offers micro credit loan services for micro and small-enterprise owners; loan facilitation, post facilitation, and guarantee services for commercial banks; and loan lending agency services for financial institutions. It also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.