CNFinance Holdings Ltd ADR (CNF)

NYSE · Financial · Mortgage Finance · China

CNFinance Holdings Ltd ADR is a micro cap company (market value under $300 million) in the Mortgage Finance industry.

Intrinsic value, DCF valuation, financial health and value investing analysis for the CNFinance Holdings Ltd ADR stock.

Our verdict on CNF

No reliable verdict: intrinsic value $33.30 per share, market price $1.95 (as of 2026-10-30).

Its book value and its earnings, at the multiples we apply to lenders and insurers, would put the shares at $33.30: 17 times the price of $1.95. A gap that size says more about a model than about the market. It usually means heavy debt, where a small error in the value of the business becomes a large one in the value of the shares, or a business our method does not describe. We do not publish a verdict on this one.

Leak Score: 47/100 on 9 of 12 signals (On Watch).

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Is CNF undervalued or overvalued?

We do not publish a verdict on CNF. Its book value and its earnings, at the multiples we apply to lenders and insurers, would put the shares at $33.30: 17 times the price of $1.95. A gap that size says more about a model than about the market. It usually means heavy debt, where a small error in the value of the business becomes a large one in the value of the shares, or a business our method does not describe. We do not publish a verdict on this one.

What is the intrinsic value of CNF?

We do not publish one (as of the 2026-10-30 close). Its book value and its earnings, at the multiples we apply to lenders and insurers, would put the shares at $33.30: 17 times the price of $1.95. A gap that size says more about a model than about the market. It usually means heavy debt, where a small error in the value of the business becomes a large one in the value of the shares, or a business our method does not describe. We do not publish a verdict on this one.

What is CNFinance Holdings Ltd ADR's Leak Score?

47 out of 100, which we rate "On Watch", on 9 of 12 value investing signals.