✓High-growth profile — revenue up +26.3% YoY with expanding US Equity exposure.
✓Healthy economics — 36% gross margin and 24% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks
Execution delays, intensifying competition, and valuation compression if growth decelerates.
CNFINANCE HOLDINGS LTD
CNF
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$626M▼ −60.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
87.0%▲ +68.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
−$70M▼ −245.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$79M▼ −89.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
349K▼ −9.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$2.7B▲ +$1.5B YoY
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About CNFINANCE HOLDINGS LTD
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.
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Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
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