Is CNFinance Holdings Ltd. (CNF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| DJIM | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| MSCI | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| S&P | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| FTSE | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 60.4% | |
| Operating Margin | -60.6% | |
| Net Margin | -14.0% | |
| Return on Equity (ROE) | -1.2% | |
| Return on Assets (ROA) | -0.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $757M |
| Free Cash Flow | $749M |
| Total Debt | $6.0B |
| Debt-to-Equity | 131.8 |
| Current Ratio | 3.6 |
| Total Assets | $15.0B |
Price & Trading
| Last Close | $4.06 |
| 50-Day MA | $5.09 |
| 200-Day MA | $5.34 |
| Avg Volume | 7K |
| Beta | -0.2 |
|
52-Week Range
$2.36
| |
About CNFinance Holdings Ltd. (CNF)
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 Ltd. (CNF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), CNFinance Holdings Ltd. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is CNFinance Holdings Ltd.'s debt ratio?
CNFinance Holdings Ltd.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are CNFinance Holdings Ltd.'s key financial metrics?
CNFinance Holdings Ltd. has a market capitalization of $27M, and revenue of $806M. The company maintains a gross margin of 60.4% and a net margin of -14.0%. Return on equity stands at -1.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.