Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CNFinance HoldingsCNF -2.26%49 Equity-to-Asset is 0.35 as of Dec. 2025, which is 30% above its 10-year median of 0.27. GuruFocus rates CNF with a GF Score™ of 49/100 and a GF Value™ of $2.38 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,522 Banks companies, CNFinance Holdings ranks better than 97.24% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
CNFinance Holdings Equity-to-Asset Related Terms
CNFinance Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for CNFinance Holdings's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CNF vs BLNE, PAPL, MMCP: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, CNFinance Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNFinance Holdings Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CNFinance Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where CNFinance Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
CNFinance Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CNFinance Holdings (CNF) has a Equity-to-Asset of 0.35 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CNFinance Holdings and its competitors. This is 30% above median its historical median of 0.27. Over the past decade, CNFinance Holdings' Equity-to-Asset has ranged from 0.10 to 0.35. According to the industry distribution chart, CNFinance Holdings ranks #42 out of 1522 companies in the Banks industry, placing it in the top 2.8%.
Is CNFinance Holdings' Equity-to-Asset too high?
CNFinance Holdings' current Equity-to-Asset of 0.35 is 30% above median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.35. The Banks industry median Equity-to-Asset is 0.10. CNFinance Holdings' value of 0.35 is 250% above this industry median. Based on the distribution chart, CNFinance Holdings ranks #42 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CNFinance Holdings has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNFinance Holdings' Equity-to-Asset compare to BLNE and PAPL?
According to the Banks industry distribution chart, CNFinance Holdings ranks #42 out of 1522 companies for Equity-to-Asset. This places CNFinance Holdings in the top 3% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. CNFinance Holdings' value of 0.35 is 250% above this benchmark. Historically, CNFinance Holdings' own Equity-to-Asset has ranged from 0.10 to 0.35 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.10, CNFinance Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNFinance Holdings's current Equity-to-Asset of 0.35 is 250% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CNFinance Holdings and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNFinance Holdings's current Equity-to-Asset is 0.35, which is 30% above median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNFinance Holdings stock overvalued right now?
Based on GuruFocus' analysis, CNFinance Holdings (CNF) is currently considered Fairly Valued. The stock's GF Value™ is $2.38, compared to a current price of $2.16 — trading 9.2% below its estimated fair value. The current Equity-to-Asset is 0.35, which is 30% above median its 10-year median of 0.27 and 250% above the Banks industry median of 0.10. CNFinance Holdings' overall GF Score™ is 49/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For CNFinance Holdings (CNF), the current Equity-to-Asset is 0.35 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CNFinance Holdings (CNF) Overvalued in 2026?
Based on GuruFocus' analysis, CNFinance Holdings stock appears to be undervalued.
The current stock price of $2.16 is trading 9.2% below its estimated GF Value™ of $2.38.
GuruFocus considers CNFinance Holdings to be Fairly Valued.
Key valuation signals for CNF:
Equity-to-Asset: 0.35 (30% above median its 10-year median of 0.27)
GF Value™: $2.38 vs. price of $2.16 (9.2% below fair value)
Industry Position: 250% above the Banks median (#42 of 1522)
No single metric tells the full story. See the CNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNFinance Holdings Ltd is an equity loan service provider. It focuses on the development of small and micro-enterprises. It generates revenue in the form of interest and financing service fees on loans and interest on deposits with banks. Its primary target borrower segment is MSE owners who own real properties in Tier 1 and Tier 2 cities in China. Geographically, the group generates all of its revenues in the PRC.
49GF Score
Get the complete analysis for CNF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CNF has been successfully added to your 
