CNFINANCE HOLDINGS LTD (CNF)
US18979T1051 - ADR
Taking everything into account, CNF scores 3 out of 10 in our fundamental rating. CNF was compared to 99 industry peers in the Financial Services industry. CNF has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, CNF is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
CNF had positive earnings in the past year.
CNF had positive earnings in each of the past 5 years.
CNF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CNF has a Return On Assets of 0.75%. This is in the lower half of the industry: CNF underperforms 62.63% of its industry peers.
With a Return On Equity value of 3.06%, CNF is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.73%, CNF is doing worse than 62.63% of the companies in the same industry.
CNF had an Average Return On Invested Capital over the past 3 years of 0.86%. This is significantly below the industry average of 7.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 3.06% | ||
| ROIC | 0.73% |
ROA(3y)0.8%
ROA(5y)1.49%
ROE(3y)3.12%
ROE(5y)5.44%
ROIC(3y)0.86%
ROIC(5y)1.68%
1.3 Margins
CNF has a Profit Margin (8.66%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CNF has declined.
Looking at the Operating Margin, with a value of 10.49%, CNF is in line with its industry, outperforming 44.44% of the companies in the same industry.
In the last couple of years the Operating Margin of CNF has declined.
CNF's Gross Margin of 40.77% is fine compared to the rest of the industry. CNF outperforms 63.64% of its industry peers.
In the last couple of years the Gross Margin of CNF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.49% | ||
| PM (TTM) | 8.66% | ||
| GM | 40.77% |
OM growth 3Y6.66%
OM growth 5Y-16.17%
PM growth 3Y16.76%
PM growth 5Y-14.93%
GM growth 3Y-1.34%
GM growth 5Y-5.15%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CNF is destroying value.
Compared to 1 year ago, CNF has a worse debt to assets ratio.
2.2 Solvency
CNF has an Altman-Z score of 0.48. This is a bad value and indicates that CNF is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.48, CNF is in line with its industry, outperforming 48.48% of the companies in the same industry.
CNF has a Debt/Equity ratio of 2.22. This is a high value indicating a heavy dependency on external financing.
CNF's Debt to Equity ratio of 2.22 is on the low side compared to the rest of the industry. CNF is outperformed by 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.22 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.48 |
ROIC/WACC0.15
WACC4.78%
2.3 Liquidity
CNF has a Current Ratio of 2.18. This indicates that CNF is financially healthy and has no problem in meeting its short term obligations.
With a decent Current ratio value of 2.18, CNF is doing good in the industry, outperforming 75.76% of the companies in the same industry.
A Quick Ratio of 2.18 indicates that CNF has no problem at all paying its short term obligations.
The Quick ratio of CNF (2.18) is better than 76.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.18 | ||
| Quick Ratio | 2.18 |
3. Growth
3.1 Past
CNF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1000.00%, which is quite impressive.
The Earnings Per Share has been growing slightly by 4.10% on average over the past years.
The Revenue has grown by 412.79% in the past year. This is a very strong growth!
Measured over the past years, CNF shows a very strong growth in Revenue. The Revenue has been growing by 23.19% on average per year.
EPS 1Y (TTM)1000%
EPS 3Y122.4%
EPS 5Y4.1%
EPS Q2Q%N/A
Revenue 1Y (TTM)412.79%
Revenue growth 3Y84.01%
Revenue growth 5Y23.19%
Sales Q2Q%560.48%
3.2 Future
The Earnings Per Share is expected to decrease by -69.63% on average over the next years. This is quite bad
CNF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.63% yearly.
EPS Next Y-95.39%
EPS Next 2Y-69.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.22%
Revenue Next 2Y10.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 3.07, the valuation of CNF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CNF indicates a rather cheap valuation: CNF is cheaper than 100.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.73. CNF is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 66.47, which means the current valuation is very expensive for CNF.
Based on the Price/Forward Earnings ratio, CNF is valued a bit more expensive than 78.79% of the companies in the same industry.
CNF is valuated expensively when we compare the Price/Forward Earnings ratio to 22.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.07 | ||
| Fwd PE | 66.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CNF's earnings are expected to decrease with -69.63% in the coming years.
PEG (NY)N/A
PEG (5Y)0.75
EPS Next 2Y-69.63%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CNF does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CNFINANCE HOLDINGS LTD
NYSE:CNF (12/20/2024, 8:04:00 PM)
0.92
+0.03 (+3.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners8.63%
Inst Owner Change2.12%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap63.10M
Analysts80
Price Target5.1 (454.35%)
Short Float %0.14%
Short Ratio1.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)807.59%
Min EPS beat(2)543.56%
Max EPS beat(2)1071.62%
EPS beat(4)4
Avg EPS beat(4)1242.82%
Min EPS beat(4)543.56%
Max EPS beat(4)2045.21%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-12.75%
Min Revenue beat(2)-18.7%
Max Revenue beat(2)-6.8%
Revenue beat(4)0
Avg Revenue beat(4)-8.55%
Min Revenue beat(4)-18.7%
Max Revenue beat(4)-2.7%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-44.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.07 | ||
| Fwd PE | 66.47 | ||
| P/S | 0.33 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.11 | ||
| P/tB | 0.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.3
EY32.61%
EPS(NY)0.01
Fwd EY1.5%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.83
BVpS8.01
TBVpS8
PEG (NY)N/A
PEG (5Y)0.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 3.06% | ||
| ROCE | 0.96% | ||
| ROIC | 0.73% | ||
| ROICexc | 0.83% | ||
| ROICexgc | 0.98% | ||
| OM | 10.49% | ||
| PM (TTM) | 8.66% | ||
| GM | 40.77% | ||
| FCFM | N/A |
ROA(3y)0.8%
ROA(5y)1.49%
ROE(3y)3.12%
ROE(5y)5.44%
ROIC(3y)0.86%
ROIC(5y)1.68%
ROICexc(3y)0.99%
ROICexc(5y)1.95%
ROICexgc(3y)1.14%
ROICexgc(5y)2.08%
ROCE(3y)1.11%
ROCE(5y)2.23%
ROICexcg growth 3Y-2.92%
ROICexcg growth 5Y-26.18%
ROICexc growth 3Y-6.15%
ROICexc growth 5Y-28.47%
OM growth 3Y6.66%
OM growth 5Y-16.17%
PM growth 3Y16.76%
PM growth 5Y-14.93%
GM growth 3Y-1.34%
GM growth 5Y-5.15%
F-ScoreN/A
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.22 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.18 | ||
| Quick Ratio | 2.18 | ||
| Altman-Z | 0.48 |
F-ScoreN/A
WACC4.78%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1000%
EPS 3Y122.4%
EPS 5Y4.1%
EPS Q2Q%N/A
EPS Next Y-95.39%
EPS Next 2Y-69.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)412.79%
Revenue growth 3Y84.01%
Revenue growth 5Y23.19%
Sales Q2Q%560.48%
Revenue Next Year8.22%
Revenue Next 2Y10.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y475.57%
EBIT growth 3Y96.26%
EBIT growth 5Y3.28%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A