CNFinance Holdings Limited (CNF) Fair Value 2026

CNF · Mortgage Finance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.9 /10

32 fundamental signals · 0 models active

Value Trap Risk

LOW (38/100)

Quick Summary — As of 2026-08-28, CNFinance Holdings Limited (CNF) trades at $2.19. QOC: 5.9/10. Value Trap Risk: 38/100 (LOW). 0/13 models active.

Key Facts

Ticker
CNF
Price
$2.19
Quality Score
5.9/10
Value Trap Risk
38/100
Models Active
0/13
Last Updated
Strength: 0 independent models provide multi-angle coverage
Risk: Limited model coverage (0/13) may reduce confidence

What Fair Value Does Each Model Give CNF?

0 Intrinsic Value Models vs. Current Price ($2.19)

Core Models (Unlocked)
Model Fair Value Upside

All Models Active

All 0 models are displayed above.

What Is CNFinance Holdings Limited (CNF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, CNFinance Holdings Limited currently lacks sufficient data across our 13-model framework. As more financial data is processed from SEC filings, our models will generate intrinsic value estimates.

What Do the Models Say About CNF?

0 of 13 models are currently active for CNF. See which stocks rank higher →

How Does CNF Rank in Mortgage Finance?

Among 16 Mortgage Finance stocks, CNF ranks #8 by Quality of Company score. CirclFi's QOC score of 5.9/10 evaluates 32 fundamental signals. A score of 5.9 reflects mixed fundamentals.

CNFinance Holdings Limited operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is CNF a Value Trap?

CirclFi's Value Trap algorithm assigns CNF a score of 38/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

0 of 13 models are active for CNFinance Holdings Limited. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, CNFinance Holdings Limited's fundamental quality profile registers 5.9/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CNF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy CNFinance Holdings Limited Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Mortgage Finance Stocks Should You Also Analyze?

11 related Mortgage Finance stocks with 13-model coverage

IORIncome Opportunity Realty Investors, Inc.QOC 6.1UWMCUWM Holdings CorporationQOC 5.7GHIGreystone Housing Impact Investors LPQOC 6.1MMCPMag Mile Capital, Inc.QOC 5.6ONITOnity Group Inc.QOC 6.4WDWalker & Dunlop, Inc.QOC 5.4PAPLPineapple Financial Inc.QOC 5.2BLNEBeeline Holdings, Inc.QOC 4.0PFSIPennyMac Financial Services, Inc.QOC 6.5VELVelocity Financial, Inc.QOC 8.8FMCCFederal Home Loan Mortgage CorporationQOC 7.3

Read investment analysis: IOR · UWMC · GHI · MMCP · ONIT · WD · PAPL · BLNE · PFSI · VEL · FMCC

Which Other Stocks Have a Similar Quality Score to CNF?

7 companies across all industries closest to CNF’s Quality of Company score of 5.9/10.

TARSTarsus Pharmaceuticals, Inc.QOC 5.9CELZCreative Medical Technology Holdings, Inc.QOC 5.9TTECTTEC Holdings, Inc.QOC 5.9APSIAqua Power Systems Inc.QOC 5.9STKSThe ONE Group Hospitality, Inc.QOC 5.9FTHMFathom Holdings Inc.QOC 5.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: TARS · CELZ · TTEC · APSI · STKS · FTHM · NVDA

What Else Do Investors Ask About CNFinance Holdings Limited’s Valuation?

What is CNFinance Holdings Limited's intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for CNFinance Holdings Limited (CNF). The Quality of Company score is 5.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CNF overvalued or undervalued right now?

At $2.19, 0 of 0 active models suggest CNF may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits CNFinance Holdings Limited's business model in Mortgage Finance.

What does a Quality of Company score of 5.9 mean for CNF?

CNFinance Holdings Limited's QOC of 5.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on CNF?

CirclFi analyzes CNF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 0 of 13 are active for this stock. Read the full methodology →

Is CNF a value trap in 2026?

CNFinance Holdings Limited's Value Trap score is 38/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns CNFinance Holdings Limited (CNF) a Quality of Company score of 5.9/10 across 32 fundamental signals as of 2026-08-28.” Source: circlfi.com/stock/CNF/ · Methodology
Primary sources for this CNF valuation
  • Financial statements: CNFinance Holdings Limited 10-K and 10-Q filings on SEC EDGAR (CIK 0001733868) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CNF as of ; valuations recomputed .