US · CNF
CNFinance Holdings Limited
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- Guangzhou 510620
- Website
- cashchina.cn
Price · as of 2024-12-31
$2.78
Market cap 15.67M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $41.00 | +1,374.82% |
| Intrinsic Value(DCF) | $71.20 | +2,461.15% |
| Graham-Dodd Method(GD) | $173.60 | +6,144.6% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $189.30 | $3,650.00 | |||
| 2018 | $62.10 | $576.79 | $3,322.43 | $296.90 | $1,127.50 |
| 2019 | $43.60 | $318.31 | $312.35 | $236.80 | $0.00 |
| 2020 | $35.80 | $247.43 | $89.47 | $168.60 | $0.00 |
| 2021 | $36.60 | $327.01 | $96.92 | $169.50 | $0.00 |
| 2022 | $22.50 | $251.77 | $84.15 | $170.20 | $207.10 |
| 2023 | $20.30 | $408.29 | $140.96 | $181.10 | $47.80 |
| 2024 | $9.90 | $292.62 | $124.84 | $173.60 | $0.00 |
AI valuation
Our deep-learning model estimates CNFinance Holdings Limited's (CNF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $41.00
- Current price
- $2.78
- AI upside
- +1,374.82%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$71.20
+2,461.15% upside
Graham-Dodd
$173.60
+6,144.6% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CNF | CNFinance Holdings Limite… | $2.78 | 15.67M | +10,426% | +2,461% | +6,145% | — | 6.41 | 0.06 | 0.15 | 73.58 | — | 0.06 | 51.77% | 3.02% | 2.36% | 0.94% | 0.41% | 0.24% | 1.47 | 0.06 | 0.25 | 0.40 | 70.18 | -9750.00% | -1290.00% | -5291.00% | 309.46% | 0.11 | 8.11% | 0.00% | 0.00% | 913.50% | 91.17 | 5.88 | 2.75 | 0.00 |
| ABTS | Abits Group Inc. | $2.55 | 6.04M | +3,806% | +15,707,010% | -5% | — | -0.66 | 0.06 | 0.09 | -0.28 | — | 0.06 | 50.29% | 50.29% | -13.88% | -8.39% | 34.28% | -7.68% | 0.00 | 106.16 | 1.69 | 1.13 | -0.60 | -9267.00% | 29911.00% | -9093.00% | -113.79% | 1.94 | -6.90% | 0.00% | 0.00% | 39.30% | -0.15 | 0.77 | -0.08 | -7.70 |
| ATII | Archimedes Tech SPAC Part… | $10.53 | 311.58M | — | — | — | — | — | — | — | — | — | — | 0.00% | — | — | — | — | — | -3.58 | — | 0.00 | 0.00 | — | — | — | — | — | 0.00 | — | — | 0.00% | — | — | — | — | — |
| AURE | Aurelion Inc. | $1.62 | 512.6K | +204,833% | +280% | — | — | -0.18 | 0.42 | 1.99 | -0.25 | -0.03 | 0.42 | 100.00% | -1101.23% | -1074.65% | -149.12% | -150.82% | -104.26% | 0.06 | — | 1.12 | 0.25 | -0.03 | 53846.00% | 8360.00% | 6608.00% | -130.20% | -0.50 | -35.44% | 0.00% | 0.00% | 0.00% | -0.20 | -0.87 | 2.25 | -3.98 |
| CARV | Carver Bancorp, Inc. | $1.38 | 7.3M | +1,575% | +291% | — | +102% | -0.53 | 0.25 | 0.20 | -2.75 | -0.16 | 0.25 | 55.72% | -37.50% | -37.29% | -38.24% | -55.01% | -3.39% | 0.98 | -0.91 | 0.15 | 0.67 | 0.06 | 33443.00% | -952.00% | 8670.00% | -177.07% | -2.20 | -51.49% | 0.00% | 0.00% | 0.00% | -2.57 | -2.75 | 0.97 | -1.78 |
| GSIW | Garden Stage Limited Ordi… | $0.11 | 24M | +90,909% | +5,166,191% | — | — | -4.16 | 2.68 | 3.33 | -4.22 | — | 2.71 | 4.72% | -80.00% | -79.91% | -54.01% | -65.56% | -26.58% | 0.03 | — | 1.51 | 0.26 | 0.10 | -345.00% | 29595.00% | -8073.00% | -7.61% | -0.13 | -20.73% | 0.00% | 0.00% | 0.00% | -4.06 | -12.84 | 3.25 | 0.18 |
| LMFA | LM Funding America, Inc. | $0.37 | 4.53M | +19,404% | +177,209% | -57% | — | -0.50 | 0.10 | 0.35 | -25.05 | — | 0.12 | 36.44% | -58.74% | -66.51% | -20.91% | -17.84% | -18.73% | 0.21 | -14.56 | 2.18 | 2.33 | -13.30 | -6261.00% | 7773.00% | 17194.00% | -355.56% | -7.64 | -37.77% | 0.00% | 0.00% | 0.00% | -1.26 | -0.60 | 0.74 | -2.01 |
| MEGL | Magic Empire Global Limit… | $0.93 | 7.5M | +179,509% | +143% | +190% | — | -11.66 | 0.43 | 4.31 | 26.51 | -1.33 | 0.43 | -26.27% | -79.99% | -37.00% | -3.59% | -40.99% | -3.45% | 0.03 | -167.00 | 36.88 | 36.63 | 47.97 | 87382.00% | -731.00% | 15684.00% | -8.43% | -1.31 | -18.64% | 0.00% | 0.00% | 59.08% | 6.66 | 14.64 | -5.33 | 5.88 |
| OXBR | Oxbridge Re Holdings Limi… | $1.07 | 8.21M | +4,139% | +8,794% | — | — | -7.27 | 5.02 | 36.30 | -11.07 | — | 5.02 | 53.48% | -297.62% | -323.08% | -58.75% | -46.15% | -34.69% | 0.07 | — | — | — | 1.15 | -7337.00% | -10775.00% | -261.00% | -6.22% | — | -34.99% | 0.00% | 0.00% | 7.57% | -11.05 | -14.57 | 32.88 | -2.76 |
| PRHI | Presurance Holdings, Inc. | $0.72 | 8.79M | +3,527% | -49% | +1,455% | — | -0.33 | 0.53 | 0.17 | 4.44 | — | 0.53 | -30.68% | -54.42% | 36.72% | -280.49% | 27.76% | -11.54% | 0.55 | -7.39 | — | — | 0.53 | -19104.00% | -2631.00% | 14402.00% | -287.79% | — | 26.50% | 3.87% | -1.30% | 265.05% | 3.64 | 4.01 | -1.98 | -0.48 |
About CNFinance Holdings Limited
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.
- CEO
- Zhai Bin
- Employees
- 691
- Beta
- -0.13
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($71.20 ÷ $2.78) − 1 = +2,461.15% (DCF, example).