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CNFinance Holdings (CNF) Fair Value & Analysis

Financial Services · US · Market cap $52.1M

Price$2.84
Fair Value$3.77
Upside+32.8%
Quality95/100
Evidence: Low Range $2.49 – $4.72

Fair value as of: Jun 26, 2026

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Analysis

CNFinance Holdings (CNF) currently trades at $2.84, while our model-based Fair Value estimate is $3.77 — implying the stock looks roughly 32.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.

About the company

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. The company offers micro credit loan services for micro and small-enterprise owners; loan facilitation, post facilitation, and guarantee services for commercial banks; and loan lending agency services for financial institutions. It also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.

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Frequently asked questions

Is CNFinance Holdings (CNF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $3.77 versus a price of $2.84 — about +33% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CNF?
Our 21-model fair value for CNFinance Holdings is $3.77 (as of Jun 26, 2026), built from audited fundamentals. The current price is $2.84.
What is the quality score of CNF?
CNFinance Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.