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Upturn AI SWOT - About
CNFinance Holdings Ltd (CNF)
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Upturn Advisory Summary
04/01/2025: CNF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -63.29% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 76.81M USD | Price to earnings Ratio 4.47 | 1Y Target Price 5 |
Price to earnings Ratio 4.47 | 1Y Target Price 5 | ||
Volume (30-day avg) 77555 | Beta 0.01 | 52 Weeks Range 0.60 - 2.84 | Updated Date 03/30/2025 |
52 Weeks Range 0.60 - 2.84 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.24 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.97% | Operating Margin (TTM) 0.17% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 2.94% |
Valuation
Trailing PE 4.47 | Forward PE 1.94 | Enterprise Value 9408617472 | Price to Sales(TTM) 0.07 |
Enterprise Value 9408617472 | Price to Sales(TTM) 0.07 | ||
Enterprise Value to Revenue 7.86 | Enterprise Value to EBITDA - | Shares Outstanding 68582200 | Shares Floating 922238049 |
Shares Outstanding 68582200 | Shares Floating 922238049 | ||
Percent Insiders 1.34 | Percent Institutions 18.82 |
Analyst Ratings
Rating 5 | Target Price 5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CNFinance Holdings Ltd
Company Overview
History and Background
CNFinance Holdings Limited was founded in 2006. It operates as a financial technology company facilitating loan products to micro and small business owners in China.
Core Business Areas
- Loan Facilitation: Connects borrowers with institutional funding partners. CNFinance itself does not lend money, it functions as an intermediary.
- Loan Assessment: Provides borrower assessment, matching borrowers with appropriate lending products.
Leadership and Structure
The leadership structure isn't widely publicized, but generally includes a CEO, CFO, and heads of key business units. The company operates with a board of directors.
Top Products and Market Share
Key Offerings
- Micro and Small Business Loans: Facilitates loans to micro and small business owners in China. The market is highly fragmented. Competitors include traditional banks, fintech companies and peer-to-peer lending platforms. Market share data is not readily available.
Market Dynamics
Industry Overview
The Chinese micro and small business lending market is large and growing, driven by the demand for capital from these businesses. However, it is also a highly regulated and competitive market.
Positioning
CNFinance is positioned as a technology-driven facilitator, connecting borrowers with funding sources. It aims to differentiate itself through its risk assessment capabilities and its focus on micro and small businesses.
Total Addressable Market (TAM)
The TAM for micro and small business lending in China is estimated to be very large, potentially trillions of USD. CNFinance is targeting a small portion of this market.
Upturn SWOT Analysis
Strengths
- Technology platform
- Focus on micro and small businesses
- Established network of funding partners
- Experience in loan assessment
Weaknesses
- Reliance on third-party funding
- Exposure to regulatory risk
- Limited brand recognition
- Profitability concerns
Opportunities
- Expanding partnerships with funding institutions
- Leveraging technology to improve efficiency
- Capitalizing on the growth of the micro and small business sector
- Offering new financial products and services
Threats
- Increasing competition
- Changes in government regulations
- Economic slowdown in China
- Credit risk
Competitors and Market Share
Key Competitors
- LX (LX)
- 360 DigiTech (QFIN)
- YRD (YRD)
Competitive Landscape
CNFinance competes in a crowded market. LX and 360 DigiTech have greater resources and broader product offerings.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been volatile, reflecting the changing regulatory environment in China.
Future Projections: Future growth projections are unavailable without analyst estimates.
Recent Initiatives: Recent initiatives aren't publicly available.
Summary
CNFinance operates in the challenging Chinese micro-loan market. Their tech-driven approach and partnership model are potential strengths. However, regulatory risks and competition are significant concerns. Recent performance data is difficult to assess given limited transparency, adding uncertainty to the company's outlook. Future success hinges on navigating the evolving regulatory landscape and establishing a sustainable competitive advantage.
Similar Companies
LX
Lexinfintech Holdings Ltd
LX
Lexinfintech Holdings Ltd
QFIN
360 Finance Inc
QFIN
360 Finance Inc
YRD
Yirendai Ltd
YRD
Yirendai Ltd
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, Market analysis
Disclaimers:
Data may be limited or outdated. The analysis is for informational purposes only and does not constitute investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CNFinance Holdings Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2018-11-07 | Chairman & CEO Mr. Zhai Bin | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 897 | Website https://www.cashchina.cn |
Full time employees 897 | Website https://www.cashchina.cn | ||
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; loan facilitation, post-facilitation, and guarantee services for commercial banks; 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. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
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