CNFinance (CNF) Stock Price, News & Analysis

Company Overview

CNFinance Holdings Limited (NYSE: CNF) is a leading microfinance and small business lending platform headquartered in Shanghai, China. Since its establishment in 2008, the company has focused on providing credit solutions and financial services tailored to the needs of micro, small and medium-sized enterprises (MSMEs) as well as individual entrepreneurs. CNFinance operates through a network of licensed microfinance subsidiaries and cooperates with local partners to reach underserved markets across China.

The company’s core offerings include unsecured and secured microcredit products, working capital loans, fixed-asset financing and equipment leasing. In addition to lending activities, CNFinance provides wealth management services through proprietary investment products and advisory solutions aimed at individual investors. By leveraging a combination of proprietary underwriting models and localized risk management practices, the firm delivers customized financing options while maintaining prudent credit standards.

CNFinance’s geographic footprint spans over 20 provinces and municipalities, including key economic regions such as the Yangtze River Delta, the Pearl River Delta and the Bohai Economic Rim. Its branch offices and distribution partners enable the company to serve a diverse client base, from rural entrepreneurs and family-owned businesses to increasingly sophisticated small enterprises in urban centers. This expansive reach allows CNFinance to tap into varying market dynamics and growth opportunities across China’s rapidly evolving financial landscape.

Over its history, CNFinance has navigated regulatory shifts in the Chinese microfinance sector and has adapted by enhancing its compliance framework, digital capabilities and product diversification. The company’s management team, led by seasoned executives with deep expertise in Chinese banking and financial services, continues to prioritize sustainable growth and risk control. Looking ahead, CNFinance aims to further expand its digital lending platform and broaden its product suite to meet the evolving needs of China’s underserved business community.

Key Stats

• Today's Range: $0.70 to $0.74
• 50-Day Range: $0.40 to $0.84
• 52-Week Range: $0.37 to $2.84
• Volume: 9,675 shs
• Average Volume: 114,297 shs
• Market Capitalization: $50.34 million
• P/E Ratio: 2.37
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

CNFinance Stock Analysis - MarketRank™

CNFinance scored higher than 69% of companies evaluated by MarketBeat, and ranked 417th out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for CNFinance.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 82.14%

Earnings Growth

Earnings for CNFinance are expected to grow by 82.14% in the coming year, from $0.28 to $0.51 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CNFinance is 2.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.88.

Price to Earnings Ratio vs. Sector

The P/E ratio of CNFinance is 2.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

CNFinance has a P/B Ratio of 0.09. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.21% of the float of CNFinance has been sold short.

Short Interest Ratio / Days to Cover

CNFinance has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CNFinance has recently decreased by 16.45%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

CNFinance does not currently pay a dividend.

Dividend Growth

CNFinance does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.21% of the float of CNFinance has been sold short.

Short Interest Ratio / Days to Cover

CNFinance has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CNFinance has recently decreased by 16.45%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.7 / 5
• News Sentiment: N/A

News Sentiment

CNFinance has a news sentiment score of -0.71. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for CNFinance this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, CNFinance insiders have not sold or bought any company stock.

Percentage Held by Insiders

25.81% of the stock of CNFinance is held by insiders. A high percentage of insider ownership can be a sign of company health.

CNF Stock Analysis - Frequently Asked Questions

How have CNF shares performed this year?

CNFinance's stock was trading at $0.95 on January 1st, 2025. Since then, CNF shares have decreased by 23.1% and is now trading at $0.7305.

How were CNFinance's earnings last quarter?

CNFinance Holdings Limited Sponsored ADR (NYSE:CNF) issued its quarterly earnings data on Monday, November, 22nd. The company reported $0.25 EPS for the quarter, topping the consensus estimate of $0.03 by $0.22. The firm earned $38.96 million during the quarter, compared to analysts' expectations of $42.28 million.
Read the conference call transcript.

When did CNFinance IPO?

CNFinance (CNF) raised $52 million in an IPO on Wednesday, November 7th 2018. The company issued 6,500,000 shares at a price of $7.50-$8.50 per share. Roth Capital Partners and Shenwan Hongyuan Securities served as the underwriters for the IPO.

How do I buy shares of CNFinance?

Shares of CNF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of CNFinance own?

Based on aggregate information from My MarketBeat watchlists, some other companies that CNFinance investors own include Broadcom (AVGO), NVIDIA (NVDA), Adobe (ADBE), Arista Networks (ANET), Jabil (JBL), Novo Nordisk A/S (NVO) and e.l.f. Beauty (ELF).

Company Calendar

• Last Earnings: 11/22/2021
• Today: 7/08/2025
• Next Earnings (Estimated): 8/27/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MTG&REL SVS
• Sub-Industry: Banking
• Current Symbol: NYSE:CNF
• CIK: 1733868
• Web: www.cashchina.cn
• Phone: 8620162316688
• Fax: N/A
• Employees: 900
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 2.36
• Forward P/E Ratio: 2.61
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: 1.87
• Current Ratio: 764.91
• Quick Ratio: 534.73

Sales & Book Value

• Annual Sales: $205.99 million
• Price / Sales: 0.24
• Cash Flow: $0.09 per share
• Price / Cash Flow: 7.79
• Book Value: $8.23 per share
• Price / Book: 0.09

Miscellaneous

• Outstanding Shares: 68,580,000
• Free Float: 50,881,000
• Market Cap: $50.10 million
• Optionable: Not Optionable
• Beta: -0.01