China Finance (CHFI) Stock Analysis & Winston Score

China Finance, Inc. is a small financial services company based in China that helps businesses and individuals access loans and credit. It operates as a lending and financial intermediary, connecting borrowers with funding sources in the Chinese market. The company serves customers who may have limited access to traditional bank financing.

The company earns money primarily through interest income and fees on the loans and credit products it arranges or provides. It operates entirely within China, and its market cap is extremely small, placing it in the micro-cap or nano-cap category. The main risk this business faces is regulatory — the Chinese government has significantly tightened rules around private lending and fintech credit services in recent years, which creates ongoing uncertainty about whether the company can maintain its current revenue model and margins.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+608.1% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

28.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$4M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

China Finance is growing revenue at 608% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

-103.3%

Losing money on operations — -103.3%

ROCE

-0.5%

Weak — -0.5% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

+1317.5%

Fast-growing sales (1317.5% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

73%

Modest — 73% of profit becomes cash

FCF Margin

55.0%

Converts sales into free cash efficiently (55.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

0.0x

no trend

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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