CNF (CNFinance Holdings) ROC %: % (As of Dec. 2025)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

CNF CNFinance Holdings Ltd CNF
49 GF Score
Price $2.16
GF Value $2.38
Valuation Fairly Valued
! 3 Warning Signs
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What is CNFinance Holdings ROC %?

CNFinance Holdings CNF -2.26% 49 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

CNF
49GF Score
CNFinance Holdings Ltd CNF
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
CNFinance Holdings (CNF) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on CNFinance Holdings and its competitors.
Is CNFinance Holdings' ROC % too high?
CNFinance Holdings' current ROC % is %. 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' ROC % compare to BLNE and PAPL?
CNFinance Holdings' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.52, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on CNFinance Holdings and its competitors. For the Banks industry, the median ROC % is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNFinance Holdings's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For CNFinance Holdings (CNF), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $2.38 vs. price of $2.16 (9.2% below fair value)
  • GF Score™: 49/100 with 3 warning signs

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 Business Description

Address No. 7 Chunrong Road, 22nd Floor, South Finance Center, Guangdong Province, Tianhe District, Guangzhou, CHN
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

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.16
Price
$2.38
GF Value