CNFinance Holdings Limited (CNF) Stock Score, Valuation & Financial Research
CNFinance Holdings Limited is in the Financial Services sector and Financial - Mortgages industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 24/100.
Quick answer for CNF
CNFinance Holdings Limited currently has a Wall Street Score of 24/100. The stored market price is $1.83. Its financial score is 12/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What CNFinance Holdings Limited does
CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions specifically designed for owners of micro and small enterprises, and functions as a loan origination agent for other financial entities. Additionally, it provides bridge financing, which consists of unsecured, short-term loans intended to help clients repay existing debts secured by real property. Established in 1999 and headquartered in Guangzhou, CNFinance maintains a significant operational presence, with a network of 63 branches and sub-branches spread across approximately 50 cities in China. This network includes 14 locations within the Pearl River Delta region, 7 in the Yangtze River Delta region, and an additional 42 facilities in other parts of the country.
CNF financial snapshot
- Wall Street Score:
- 24/100
- Current price:
- $1.83
- Market capitalization:
- $5.5M
- Revenue:
- $-140.3M
- Net income:
- $-123.4M
- Free cash flow:
- $11.7M
- Cash:
- $37.5M
- Total debt:
- $450.8M
- EPS:
- -41.18
- Financial score:
- 12/100
- Valuation score:
- 0/100
- Revenue score:
- 40/100
What stands out
- Reported year-over-year revenue growth is -2.5%.
- Free cash flow is $11.7M, showing positive cash generation.
- The balance sheet shows $37.5M of cash versus $450.8M of total debt, so leverage deserves attention.
- The current research record carries a share basis reconciled warning, which should be reviewed alongside the score.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 12/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research CNF
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.