CNFinance HoldingsCNF -2.96%48 EV-to-FCF is 2.37 as of Jul. 13, 2026, which is 60% below its 10-year median of 5.95. GuruFocus rates CNF with a GF Score™ of 48/100 and a GF Value™ of $2.44 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,199 Banks companies, CNFinance Holdings ranks better than 69.06% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CNFinance Holdings's Enterprise Value is $29.06 Mil.
CNFinance Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $12.27 Mil. Therefore, CNFinance Holdings's EV-to-FCF for today is 2.37.
The historical rank and industry rank for CNFinance Holdings's EV-to-FCF or its related term are showing as below:
CNF'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.25 Med: 5.95 Max: 11.35
Current: 2.37
During the past 10 years, the highest EV-to-FCF of CNFinance Holdings was 11.35. The lowest was 0.25. And the median was 5.95.
CNF's EV-to-FCF is ranked better than 69.06% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs CNF: 2.37
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CNFinance Holdings's PE Ratio (TTM) for today is calculated as:
CNFinance Holdings's share price for today is $2.62.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CNFinance Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.275.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
CNFinance Holdings EV-to-FCF Related Terms
CNFinance Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for CNFinance Holdings's EV-to-FCF 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.
For the Mortgage Finance subindustry, CNFinance Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, CNFinance Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CNFinance Holdings's EV-to-FCF falls into.
CNFinance Holdings's current Enterprise Value is $29.06 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CNFinance Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $12.27 Mil.
* 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 EV-to-FCF of 2.37 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CNFinance Holdings and its competitors. This is 60% below median its historical median of 5.95. Over the past decade, CNFinance Holdings' EV-to-FCF has ranged from 0.25 to 11.35. According to the industry distribution chart, CNFinance Holdings ranks #371 out of 1199 companies in the Banks industry, placing it in the top 30.9%.
Is CNFinance Holdings' EV-to-FCF too high?
CNFinance Holdings' current EV-to-FCF of 2.37 is 60% below median its 10-year median of 5.95. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 11.35. The Banks industry median EV-to-FCF is 6.56. CNFinance Holdings' value of 2.37 is 63.9% below this industry median. Based on the distribution chart, CNFinance Holdings ranks #371 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, CNFinance Holdings has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNFinance Holdings' EV-to-FCF compare to BLNE and MMCP?
According to the Banks industry distribution chart, CNFinance Holdings ranks #371 out of 1199 companies for EV-to-FCF. This puts CNFinance Holdings in the upper half of its industry. The industry median EV-to-FCF is 6.56. CNFinance Holdings' value of 2.37 is 63.9% below this benchmark. Historically, CNFinance Holdings' own EV-to-FCF has ranged from 0.25 to 11.35 over the past decade. While the company's 10-year median is 5.95 vs. the industry median of 6.56, CNFinance Holdings has consistently been below 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNFinance Holdings's current EV-to-FCF of 2.37 is 63.9% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CNFinance Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNFinance Holdings's current EV-to-FCF is 2.37, which is 60% below median its own 10-year median of 5.95. 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 $2.44, compared to a current price of $2.62 — trading 7.4% above its estimated fair value. The current EV-to-FCF is 2.37, which is 60% below median its 10-year median of 5.95 and 63.9% below the Banks industry median of 6.56. CNFinance Holdings' overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For CNFinance Holdings (CNF), the current EV-to-FCF is 2.37 as of Jul. 13, 2026. 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 overvalued.
The current stock price of $2.62 is trading 7.4% above its estimated GF Value™ of $2.44.
GuruFocus considers CNFinance Holdings to be Fairly Valued.
Key valuation signals for CNF:
EV-to-FCF: 2.37 (60% below median its 10-year median of 5.95)
GF Value™: $2.44 vs. price of $2.62 (7.4% above fair value)
Industry Position: 63.9% below the Banks median (#371 of 1199)
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.
48GF Score
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