CNF (CNFinance Holdings) ROE % Adjusted to Book Value: 0.00% (As of Dec. 2025)

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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 ROE % Adjusted to Book Value?

CNFinance Holdings CNF -2.26% 49 ROE % Adjusted to Book Value is 0.00% 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.

CNFinance Holdings's ROE % for the quarter that ended in Dec. 2025 was 0.00%. CNFinance Holdings's PB Ratio for the quarter that ended in Dec. 2025 was 0.08. CNFinance Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 0.00%.


CNFinance Holdings ROE % Adjusted to Book Value Related Terms


CNFinance Holdings ROE % Adjusted to Book Value Historical Data

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The historical data trend for CNFinance Holdings's ROE % Adjusted to Book Value 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.

CNFinance Holdings ROE % Adjusted to Book Value Chart

CNFinance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.72 16.00 15.26 7.75 -156.63

CNFinance Holdings Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.30 11.80 -4.17 0.00 0.00

CNF vs BLNE, PAPL, MMCP: ROE % Adjusted to Book Value Comparison

For the Mortgage Finance subindustry, CNFinance Holdings's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, CNFinance Holdings's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where CNFinance Holdings's ROE % Adjusted to Book Value falls into.


CNF
49GF Score
CNFinance Holdings Ltd CNF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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CNFinance Holdings ROE % Adjusted to Book Value Calculation

CNFinance Holdings's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-12.53% / 0.08
=-156.63%

CNFinance Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.00% / 0.08
=0.00%

* 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.

What does a ROE % Adjusted to Book Value of 0.00% mean?
CNFinance Holdings (CNF) has a ROE % Adjusted to Book Value of 0.00% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CNFinance Holdings and its competitors.
Is CNFinance Holdings' ROE % Adjusted to Book Value too high?
CNFinance Holdings' current ROE % Adjusted to Book Value is 0.00%. 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' ROE % Adjusted to Book Value compare to BLNE and PAPL?
CNFinance Holdings' ROE % Adjusted to Book Value of 0.00% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CNFinance Holdings and its competitors. CNFinance Holdings's current ROE % Adjusted to Book Value is 0.00%. 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 ROE % Adjusted to Book Value is 0.00%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For CNFinance Holdings (CNF), the current ROE % Adjusted to Book Value is 0.00% 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:

  • ROE % Adjusted to Book Value: 0.00%
  • 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

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

$2.16
Price
$2.38
GF Value