CNFinance Holdings (CNF) Net Margin (2017 - 2023)
CNFinance Holdings' (CNF) quarterly Net Margin came in at 3.03% in Q4 2023, down 424.0% YoY from 0.93% in Q4 2022, and down 77.19% on a QoQ basis from 13.28% in Q3 2023.
CNFinance Holdings (CNF) Net Margin (2017 - 2023) Analysis & Trends
CNFinance Holdings (CNF) has 7 years of Net Margin data on file, last reported at 3.03% in Q4 2023.
- Quarterly Net Margin fell 424.0% year-over-year to 3.03% in Q4 2023, while the trailing twelve-month figure through Dec 2023 was 10.56% (up 73.0% YoY) and the FY2025 annual result came in at 52.33%, up 5230.0% from the prior year.
- Net Margin eased to 3.03% in Q4 2023, from 13.28% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 40.5% in Q4 2021 to a low of 9.75% in Q1 2020.
- A 5-year average of 13.25% and a median of 12.51% in 2023 frame the typical range for Net Margin.
- Annual changes were most pronounced in 2021 — Net Margin soared 2794 bps — and 2022, when it sank 3323 bps.
- Tracing CNF's Net Margin over 5 years: stood at 13.92% in 2019, then surged by 94 bps to 27.05% in 2020, then soared by 50 bps to 40.5% in 2021, then slumped by 82 bps to 7.27% in 2022, then sank by 58 bps to 3.03% in 2023.
- The last three Net Margin figures came in at 3.03% (Q4 2023), 13.28% (Q3 2023), and 10.45% (Q2 2023), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 39.55 Bn | 36.45 Bn | - | 8.23% |
| 2 | Federal National Mortgage Association Fannie Mae | 36.73 Bn | 36.73 Bn | - | 2.02% |
| 3 | Federal Home Loan Mortgage | 18.50 Bn | 14.18 Bn | - | -0.15% |
| 4 | PennyMac Financial Services | 3.88 Bn | 3.14 Bn | 480.08 Mn | 4.37% |
| 5 | CNFinance Holdings | 1.54 Bn | 1.47 Bn | - | - |
| 6 | Walker & Dunlop | 1.33 Bn | 1.17 Bn | - | 0.93% |
| 7 | Velocity Financial | 712.05 Mn | -6.74 Bn | - | -27.18% |
| 8 | UWM Holdings | 474.22 Mn | -24.18 Mn | - | -50.89% |
| 9 | Onity | 303.29 Mn | 106.99 Mn | - | -4.56% |
| 10 | loanDepot | 203.59 Mn | -107.54 Mn | - | -1.96% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2023 | 3.03% |
| Sep 30, 2023 | 13.28% |
| Jun 30, 2023 | 10.45% |
| Mar 31, 2023 | 12.82% |
| Dec 31, 2022 | 7.27% |
| Sep 30, 2022 | 18.95% |
| Jun 30, 2022 | 3.83% |
| Mar 31, 2022 | 11.32% |
| Dec 31, 2021 | 40.50% |
| Sep 30, 2021 | 4.66% |
| Jun 30, 2021 | 12.20% |
| Mar 31, 2021 | 18.19% |
| Dec 31, 2020 | 27.05% |
| Sep 30, 2020 | 16.01% |
| Jun 30, 2020 | 4.15% |
| Mar 31, 2020 | -9.75% |
| Dec 31, 2019 | 13.92% |
| Sep 30, 2019 | 32.10% |
| Jun 30, 2019 | 14.30% |
| Mar 31, 2019 | 10.64% |