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 PB Ratio is 0.03 as of Aug. 27, 2026, which is 91% below its 10-year median of 0.35. 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 1,509 Banks companies, CNFinance Holdings ranks better than 99.93% on this metric.
CNFinance Holdings Ltd stock PB Ratio (=0.03) is close to 10-year low of 0.03.
The historical rank and industry rank for CNFinance Holdings's PB Ratio or its related term are showing as below:
CNF'
s PB Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.35 Max: 1.8
Current: 0.03
During the past 10 years, CNFinance Holdings's highest PB Ratio was 1.80. The lowest was 0.03. And the median was 0.35.
CNF's PB Ratio is ranked better than 99.93% of 1509
companies
in the Banks industry
Industry Median: 1.12
vs CNF: 0.03
During the past 12 months, CNFinance Holdings's average Book Value Per Share Growth Rate was -8.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -3.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.30% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of CNFinance Holdings was 46.60% per year. The lowest was -3.00% per year. And the median was 2.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
CNFinance Holdings PB Ratio Related Terms
CNFinance Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for CNFinance Holdings's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CNFinance Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where CNFinance Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CNFinance Holdings (CNF) has a PB Ratio of 0.03 as of Aug. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CNFinance Holdings and its competitors. This is 91% below median its historical median of 0.35. Over the past decade, CNFinance Holdings' PB Ratio has ranged from 0.03 to 1.80. According to the industry distribution chart, CNFinance Holdings ranks #1 out of 1509 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is CNFinance Holdings' PB Ratio too high?
CNFinance Holdings' current PB Ratio of 0.03 is 91% below median its 10-year median of 0.35. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 1.80. The Banks industry median PB Ratio is 1.12. CNFinance Holdings' value of 0.03 is 97.3% below this industry median. Based on the distribution chart, CNFinance Holdings ranks #1 out of 1509 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' PB Ratio compare to BLNE and PAPL?
According to the Banks industry distribution chart, CNFinance Holdings ranks #1 out of 1509 companies for PB Ratio. This places CNFinance Holdings in the top 0% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. CNFinance Holdings' value of 0.03 is 97.3% below this benchmark. Historically, CNFinance Holdings' own PB Ratio has ranged from 0.03 to 1.80 over the past decade. While the company's 10-year median is 0.35 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNFinance Holdings's current PB Ratio of 0.03 is 97.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CNFinance Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNFinance Holdings's current PB Ratio is 0.03, which is 91% below median its own 10-year median of 0.35. 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 PB Ratio is 0.03, which is 91% below median its 10-year median of 0.35 and 97.3% below the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CNFinance Holdings (CNF), the current PB Ratio is 0.03 as of Aug. 27, 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 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:
PB Ratio: 0.03 (91% below median its 10-year median of 0.35)
GF Value™: $2.38 vs. price of $2.16 (9.2% below fair value)
Industry Position: 97.3% below the Banks median (#1 of 1509)
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
PB Ratio 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 
