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CNF

CNFinanceC
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
The bull case depends on an eventual verified results release showing credit stabilization, lower losses, and renewed loan or supply-chain-finance activity. The May share issuance provides stated general working-capital funding, but does not establish operating recovery [#SEC-6K-2026-05-06].
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
2025 NPL ratios were 35.62% excluding loans held for sale and 80.46% including loans held for sale [#SEC-20F-2026-04-30].
Momentum
90
Value
39
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $2.10 · Bull $3.00 · Bear $1.20Analysis 2026-08-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $20.41
Why
Momentum90 · Δ7d -
Value39 · Δ7d +0.7
Sentiment61 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • 2025 NPL ratios were 35.62% excluding loans held for sale and 80.46% including loans held for sale [#SEC-20F-2026-04-30].
  • • 2025 operating income fell to RMB79.6 million and the company reported a RMB470.4 million net loss [#SEC-20F-2026-04-30].
  • • The latest detailed operating evidence points to worsening credit metrics, sharply lower operating income, and a large net loss.

Catalyst clock

2026-11-25

Capital-structure and control overhang

Lead driver: Sentiment · See AI snapshot
Momentum
90
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
39
28% active weight
Current posture
7d trendFlat
Δ7d
+0.7
Δ21d
+0.5
Sentiment
61
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 90.2 / Value 39.5 / Sentiment 60.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-27. Scenario method

B+
Bull case
15%
Probability
Target price
$3.00
Analysis reference price unavailable
Analysis 2026-08-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$2.10
Analysis reference price unavailable
Analysis 2026-08-27 · RankAlpha Sentiment Codex
B-
Bear case
40%
Probability
Target price
$1.20
Analysis reference price unavailable
Analysis 2026-08-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$15.71M
Beta
-0.12
Shares Out
6.86M
P/E (TTM) · Derived
-0.2
P/S (TTM)
0.28
P/FCF (TTM)
0.38
Rev YoY
-59.6%
EPS YoY
-175.0%
Gross Margin
+91.5%
Op Margin
-17.9%
Net Debt
$554.7M
Current Ratio
0.39
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data