---
title: "CNFinance Holdings Limited (CNF.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/CNF.US.md"
symbol: "CNF.US"
name: "CNFinance Holdings Limited"
industry: "Commercial and Residential Mortgage Finance"
datetime: "2026-05-20T06:50:23.936Z"
locales:
  - [en](https://longbridge.com/en/quote/CNF.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/CNF.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/CNF.US.md)
---

# CNFinance Holdings Limited (CNF.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Commercial and Residential Mortgage Finance |
| Exchange | US Market |
| Website | [www.cashchina.cn](https://www.cashchina.cn) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: E
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:15.000Z

**Overall: E (0.81)**

**Industry**: Commercial and Residential Mortgage Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 32 / 32 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: E

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -159.60% |  |
| Net Profit YoY | -1356.29% |  |
| P/B Ratio | 0.04 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 20848976.64 |  |
| Revenue | -51760053.57 |  |

#### Multi Score Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -12.32% | D |
| Profit Margin | 127.38% | A |
| Gross Margin | 114.08% | A |
| Revenue YoY | -159.60% | E |
| Net Profit YoY | -1356.29% | E |
| Total Assets YoY | -28.84% | E |
| Net Assets YoY | -7.93% | D |
| Cash Flow Margin | -17.95% | D |
| OCF YoY | -159.60% | E |
| Turnover | -0.03 | E |
| Gearing Ratio | 65.06% | D |

```chart-data:radar
{
  "title": "Longbridge Financial Score - CNFinance Holdings Limited",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-159.60%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-1356.29%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.04",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "20848976.64",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "-51760053.57",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "E",
      "indicators": [
        {
          "name": "ROE",
          "value": "-12.32%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "127.38%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "114.08%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "-159.60%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "-1356.29%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-28.84%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "-7.93%",
          "rating": "D"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-17.95%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "-159.60%",
          "rating": "E"
        },
        {
          "name": "Turnover",
          "value": "-0.03",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "65.06%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -0.32 | 21/32 | 9.80 | 7.97 | 6.21 |
| PB | 0.04 | 1/32 | 0.07 | 0.06 | 0.05 |
| PS (TTM) | -0.40 | 26/32 | 0.77 | 0.61 | 0.43 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Mag Mile Capital, Inc. (MMCP.US) | D | A | A | E | A | B |
| 02 | Guild (GHLD.US) | B | A | D | E | A | B |
| 03 | FG (FGO.US) | A | A | B | B | A | B |
| 04 | Rocket (RKT.US) | C | A | D | D | C | C |
| 05 | Enact (ACT.US) | A | C | D | B | C | C |

## Institutional View

### Analyst Rating Distribution

> As of 2025-09-05T04:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 1 | 100% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 3.04 |
| Highest Target | 19.99 |
| Lowest Target | 19.99 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/CNF.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/CNF.US/norm.md)
- [Related News](https://longbridge.com/en/quote/CNF.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/CNF.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**