CNF
CNFinance Holdings Limited
There isn't enough reported data to score CNF yet.
GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
CNF Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
CNF's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like CNF.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CNF PE Valuation
CNF has no meaningful PE right now: it lost money over the past year.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CNF Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect CNF's revenue to grow, but its earnings to decline.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over CNF on the outlook, with more favorable earnings and profitability expectations.
CNF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$0.05 | -225% |
| Q4 2024 | $0.04 | -76% |
| Q4 2023 | $0.17 | +31% |
| Q4 2022 | $0.13 | +63% |
| Q4 2021 | $0.08 | -33% |
| Q4 2020 | $0.12 | -78% |
| Q4 2019 | $0.54 | -42% |
| Q4 2018 | $0.93 | -96% |
CNF has swung to a loss: it lost $0.05 per share over the past year, after a profit the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CNF in the latest year-over-year earnings comparison.
CNF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $16.8M | -84% |
| Q4 2024 | $106.4M | -31% |
| Q4 2023 | $153.9M | +201% |
| Q4 2022 | $51.2M | -66% |
| Q4 2021 | $151.1M | -9.6% |
| Q4 2020 | $167.1M | -38% |
| Q4 2019 | $268.4M | -23% |
| Q4 2018 | $350.9M | +118% |
CNF's revenue has slid since its 2018 peak: $17M last quarter, down 82% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -164% | N/A |
| Q4 2024 | -56% | -66 points |
| Q4 2023 | -37% | -52 points |
| Q4 2021 | 9.3% | -15 points |
| Q4 2020 | 15% | -6.5 points |
| Q4 2019 | 40% | +16 points |
| Q4 2018 | 50% | +23 points |
| Q4 2017 | 24% | N/A |
CNF's operating margin was −164% last quarter, down 178 points from the same quarter a year ago, near the bottom of its range since 2017.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over CNF in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
CNF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $12.1M | -89% |
| Q4 2024 | $112.4M | -53% |
| Q4 2023 | $238.8M | +$258.7M |
| Q4 2022 | -$19.9M | -119% |
| Q4 2021 | $102.9M | -39% |
| Q4 2020 | $167.5M | -14% |
| Q4 2019 | $194.3M | -1.8% |
| Q4 2018 | $197.8M | +$197.8M |
CNF's free cash flow was $343M over the past year, down 44% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CNF.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CNF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +969% | +1.2B shares |
| 1 year | +812% | +1.2B shares |
| 3 years | +43731% | +1.4B shares |
CNF has 1.4B diluted shares, up 812% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $267,453 |
| Q4 2024 | $686,629 |
| Q4 2023 | $4.6M |
| Q4 2017 | — |
| Q3 2017 | — |
| Q2 2017 | — |
| Q1 2017 | — |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CNF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CNF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2021 | 59.5x | High |
| Q4 2017 | 17.7x | High |
CNF's net debt is more than 20 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like CNF.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
CNF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.2 | Neutral |
| Stochastic | 52.3 | Neutral |
CNF's weekly RSI is 34 (neutral) and its Stochastic is 52 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CNF PE vs Financial Services Sector
CNF has no meaningful PE right now: it lost money over the past year.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
CNF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.93 | 3.1% below |
| 20 week MA | $2.16 | 13% below |
| 50 week MA | $3.50 | 47% below |
| 100 week MA | $5.29 | 65% below |
| 200 week MA | $13.3 | 86% below |
CNF is in a downtrend: it's below all five of its weekly moving averages, and 86% below its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS has the edge over CNF on trend strength, trading above more of its moving averages.
CNF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $50.2 | $37.0 | -26% |
| 2021 | $37.0 | $29.9 | -19% |
| 2022 | $29.9 | $17.4 | -42% |
| 2023 | $17.4 | $22.2 | +28% |
| 2024 | $22.2 | $9.40 | -58% |
| 2025 | $9.40 | $6.24 | -34% |
| 2026 YTD | $6.24 | $1.87 | -70% |
CNF has finished lower in five of the last six years. It's down 70% so far in 2026.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over CNF on returns for 2026, with the stronger performance.