CNFinance Holdings Ltd
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 sho… Read more
CNFinance Holdings Ltd (CNF) - Net Assets
Latest net assets as of June 2025: $4.03 Billion USD
Based on the latest financial reports, CNFinance Holdings Ltd (CNF) has net assets worth $4.03 Billion USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($12.52 Billion) and total liabilities ($8.49 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $4.03 Billion |
| % of Total Assets | 32.2% |
| Annual Growth Rate | 17.47% |
| 5-Year Change | -35.97% |
| 10-Year Change | N/A |
| Growth Volatility | 46.7 |
CNFinance Holdings Ltd - Net Assets Trend (2016–2024)
This chart illustrates how CNFinance Holdings Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for CNFinance Holdings Ltd (2016–2024)
The table below shows the annual net assets of CNFinance Holdings Ltd from 2016 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $4.06 Billion | +1.21% |
| 2023-12-31 | $4.01 Billion | -39.41% |
| 2022-12-31 | $6.62 Billion | +8.27% |
| 2021-12-31 | $6.11 Billion | -3.57% |
| 2020-12-31 | $6.34 Billion | -2.20% |
| 2019-12-31 | $6.48 Billion | +112.76% |
| 2018-12-31 | $3.05 Billion | +66.31% |
| 2017-12-31 | $1.83 Billion | +63.70% |
| 2016-12-31 | $1.12 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to CNFinance Holdings Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 328.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $3.14 Billion | 77.43% |
| Common Stock | $916.74K | 0.02% |
| Other Comprehensive Income | $-8.82 Million | -0.22% |
| Other Components | $923.72 Million | 22.77% |
| Total Equity | $4.06 Billion | 100.00% |
CNFinance Holdings Ltd Competitors by Market Cap
The table below lists competitors of CNFinance Holdings Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Puerto Ventana
SN:VENTANAS
|
$38.55 Million |
|
PAMT CORP
NASDAQ:PAMT
|
$38.56 Million |
|
Precious Shipping Public Company Limited
PINK:PSGFF
|
$38.56 Million |
|
Knaus Tabbert AG
XETRA:KTA
|
$38.57 Million |
|
M.A.X. Automation SE
LSE:0RK5
|
$38.53 Million |
|
SIFCO INDS INC. DL 1
F:SI7
|
$38.52 Million |
|
Bilici Yatirim Sanayi ve Ticaret AS
IS:BLCYT
|
$38.50 Million |
|
JCY International Bhd
KLSE:5161
|
$38.50 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CNFinance Holdings Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 4,008,926,723 to 4,057,558,501, a change of 48,631,778 (1.2%).
- Net income of 37,784,446 contributed positively to equity growth.
- Share repurchases of 4,575,351 reduced equity.
- Other comprehensive income increased equity by 524,149.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $37.78 Million | +0.93% |
| Share Repurchases | $4.58 Million | -0.11% |
| Other Comprehensive Income | $524.15K | +0.01% |
| Other Changes | $14.90 Million | +0.37% |
| Total Change | $- | 1.21% |
Book Value vs Market Value Analysis
This analysis compares CNFinance Holdings Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.29x to 0.00x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $16.45 | $4.81 | x |
| 2017-12-31 | $26.92 | $4.81 | x |
| 2018-12-31 | $43.84 | $4.81 | x |
| 2019-12-31 | $49.03 | $4.81 | x |
| 2020-12-31 | $49.06 | $4.81 | x |
| 2021-12-31 | $50.04 | $4.81 | x |
| 2022-12-31 | $50.94 | $4.81 | x |
| 2023-12-31 | $1109.05 | $4.81 | x |
| 2024-12-31 | $1183.27 | $4.81 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CNFinance Holdings Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.93%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.36%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 3.70x
- Recent ROE (0.93%) is below the historical average (11.84%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 21.05% | 18.03% | 0.17x | 6.98x | $123.57 Million |
| 2017 | 29.09% | 15.59% | 0.19x | 9.95x | $349.55 Million |
| 2018 | 28.27% | 20.10% | 0.22x | 6.36x | $556.35 Million |
| 2019 | 14.86% | 17.24% | 0.23x | 3.70x | $174.79 Million |
| 2020 | 3.07% | 6.26% | 0.15x | 3.26x | $-259.27 Million |
| 2021 | 1.71% | 4.75% | 0.10x | 3.77x | $-316.59 Million |
| 2022 | 3.48% | 7.34% | 0.13x | 3.72x | $-253.58 Million |
| 2023 | 4.11% | 8.96% | 0.11x | 4.08x | $-236.28 Million |
| 2024 | 0.93% | 2.36% | 0.11x | 3.70x | $-367.97 Million |
Industry Comparison
This section compares CNFinance Holdings Ltd's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $270,801,631
- Average return on equity (ROE) among peers: -14.62%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CNFinance Holdings Ltd (CNF) | $4.03 Billion | 21.05% | 2.11x | $38.54 Million |
| Atrium Mortgage Investment Corporation (AMIVF) | $482.21 Million | 10.68% | 0.82x | $339.62 Million |
| AVVAA World Health Care Products Inc (AVVH) | $-41.07K | 0.00% | 0.00x | $16.78 |
| Better Home & Finance Holding Company (BETR) | $15.42 Million | 64.09% | 22.39x | $351.94 Million |
| Eastside Distilling, Inc. (BLNE) | $1.58 Million | -256.44% | 0.29x | $50.97 Million |
| Dominion Lending Centres Inc (BRLGF) | $157.84 Million | -4.27% | 1.04x | $184.06 Million |
| Mr. Cooper Group Inc (COOP) | $882.60 Million | 10.81% | 9.17x | $13.29 Billion |
| Dominion Resources Black Warrior Trust (DOMR) | $11.00 Million | 38.58% | 0.01x | $0.99 |
| DVL Inc (DVLN) | $7.57 Million | 6.67% | 5.00x | $18.05 Million |
| ECN Capital Corp. (ECNNF) | $879.03 Million | -1.68% | 0.96x | $1.32 Billion |