CNFinance Holdings Limited (CNF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CNFinance Holdings Limited (CNF) stock price & volume — 10-year historical chart
CNFinance Holdings Limited (CNF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
CNFinance Holdings Limited (CNF) competitors in Non-prime and home equity lenders — business model, growth, and fundamentals comparison
CNFinance Holdings Limited (CNF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CNFinance Holdings Limited (CNF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 2B | 2.35B | 1.66B | 1.12B | 1.03B | 945.91M | 1.03B | 744.1M | 62.18M | 40.68M |
| NII Growth % | 149.79% | 17.45% | -29.34% | -32.33% | -8.34% | -8.14% | 9.04% | -27.85% | -91.64% | -184.9% |
| Net Interest Margin % | 10.98% | 12.14% | 12.75% | 9.18% | 7.16% | 6.53% | 6.3% | 4.95% | 0.61% | 0.32% |
| Interest Income | 3.41B | 4.29B | 2.97B | 1.85B | 1.81B | 1.73B | 1.75B | 1.54B | 560.1M | 40.68M |
| Interest Expense | 1.41B | 1.94B | 1.31B | 731.32M | 775.57M | 784.78M | 723.08M | 794.52M | 497.92M | 0 |
| Loan Loss Provision | 306.75M | 433.75M | 362.74M | 77.35M | -303.87M | 217.55M | 118.65M | -22.72M | -416.24M | 0 |
| Non-Interest Income | 6.65M | -10.45M | 131.51M | -20.69M | -432.88M | 113.61M | 82.72M | 61.52M | 65.85M | 319.24M |
| Non-Interest Income % | 0.19% | -0.24% | 4.24% | -1.13% | -31.54% | 6.16% | 4.5% | 3.84% | 10.52% | 88.7% |
| Total Revenue | 3.42B▲ 0% | 4.28B▲ 25.3% | 3.1B▼ 27.6% | 1.83B▼ 40.9% | 1.37B▼ 25.2% | 1.84B▲ 34.4% | 1.84B▼ 0.4% | 1.6B▼ 12.9% | 625.95M▼ 60.9% | 359.92M▲ 0% |
| Revenue Growth % | 161.61% | 25.32% | -27.57% | -40.87% | -25.17% | 34.38% | -0.39% | -12.9% | -60.88% | -287.97% |
| Non-Interest Expense | 891.77M | 747.66M | 708.09M | 862.77M | 806.99M | 669.38M | 789.82M | 780.05M | 614.53M | 162.27M |
| Efficiency Ratio | 26.1% | 17.46% | 22.83% | 47.04% | 58.8% | 36.29% | 42.99% | 48.75% | 98.18% | 45.09% |
| Operating Income | 808.67M▲ 0% | 1.16B▲ 43.2% | 721.01M▼ 37.7% | 162.7M▼ 77.4% | 93.77M▼ 42.4% | 172.58M▲ 84.1% | 205.63M▲ 19.2% | 48.29M▼ 76.5% | -70.26M▼ 245.5% | 197.64M▲ 0% |
| Operating Margin % | 23.67% | 27.04% | 23.25% | 8.87% | 6.83% | 9.36% | 11.19% | 3.02% | -11.23% | 54.91% |
| Operating Income Growth % | 180.74% | 43.17% | -37.72% | -77.43% | -42.37% | 84.06% | 19.15% | -76.52% | -245.51% | - |
| Pretax Income | 808.67M▲ 0% | 1.16B▲ 43.2% | 721.01M▼ 37.7% | 162.7M▼ 77.4% | 93.77M▼ 42.4% | 172.58M▲ 84.1% | 205.63M▲ 19.2% | 48.29M▼ 76.5% | -568.18M▼ 1276.6% | -62.13M▲ 0% |
| Pretax Margin % | 23.67% | 27.04% | 23.25% | 8.87% | 6.83% | 9.36% | 11.19% | 3.02% | -90.77% | -17.26% |
| Income Tax | 275.99M | 296.83M | 186.37M | 47.85M | 28.56M | 37.23M | 41.02M | 10.5M | -110.61M | 11.6M |
| Effective Tax Rate % | 34.13% | 25.64% | 25.85% | 29.41% | 30.46% | 21.57% | 19.95% | 21.75% | 19.47% | -18.67% |
| Net Income | 532.67M▲ 0% | 860.91M▲ 61.6% | 534.64M▼ 37.9% | 114.85M▼ 78.5% | 65.21M▼ 43.2% | 135.35M▲ 107.6% | 164.62M▲ 21.6% | 37.78M▼ 77.0% | -457.58M▼ 1311.0% | -50.53M▲ 0% |
| Net Margin % | 15.59% | 20.1% | 17.24% | 6.26% | 4.75% | 7.34% | 8.96% | 2.36% | -73.1% | -14.04% |
| Net Income Growth % | 126.24% | 61.62% | -37.9% | -78.52% | -43.23% | 107.57% | 21.62% | -77.05% | -1311.02% | -142.3% |
| Net Income (Continuing) | 532.67M | 860.91M | 534.64M | 114.85M | 65.21M | 135.35M | 164.62M | 37.78M | -457.58M | -73.73M |
| EPS (Diluted) | 160.00▲ 0% | 248.00▲ 55.0% | 144.00▼ 41.9% | 32.00▼ 77.8% | 19.00▼ 40.6% | 360.00▲ 1794.7% | 440.00▲ 22.2% | 11.00▼ 97.5% | -1334.20▼ 12229.1% | -150.19▲ 0% |
| EPS Growth % | 110.53% | 55% | -41.94% | -77.78% | -40.63% | 1794.74% | 22.22% | -97.5% | -12229.09% | -506.67% |
| EPS (Basic) | 173.20 | 275.20 | 156.00 | 32.00 | 19.00 | 39.40 | 480.00 | 11.00 | -1334.20 | - |
| Diluted Shares Outstanding | 3.33M | 3.47M | 3.67M | 3.81M | 3.81M | 3.82M | 3.61M | 3.43M | 342.91K | 336.43K |
CNFinance Holdings Limited (CNF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.7B | 4.02B | 2.49B | 2.49B | 3.48B | 2.41B | 2.7B | 1.79B | 338.4M | 2.72B |
| Cash & Due from Banks | 1.34B | 3.34B | 1.84B | 2.07B | 2.39B | 2.16B | 2.55B | 1.76B | 338.4M | 922.27M |
| Short Term Investments | 360.19M | 682.25M | 654.33M | 418.14M | 1.09B | 244.34M | 146.49M | 38.7M | 0 | 0 |
| Total Investments | 16.66B | 15.72B | 10.95B | 9.48B | 10.64B | 11.1B | 11.96B | 318.8M | 2.45B | 8.23B |
| Investments Growth % | 125.29% | -5.65% | -30.37% | -13.38% | 12.26% | 4.33% | 7.68% | -97.33% | 668.11% | -233.73% |
| Long-Term Investments | 16.3B | 15.04B | 10.29B | 9.06B | 9.56B | 10.86B | 11.81B | 280.11M | 2.45B | 8.51B |
| Accounts Receivables | 0 | 7M | 46.31M | 17.24M | 197.23M | 82.43M | 340.4M | 197.93M | 0 | 0 |
| Goodwill & Intangibles | 3.34M | 4.18M | 3.74M | 3.23M | 4.01M | 3.49M | 3.01M | 3.08M | 0 | 3.07M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3.34M | 4.18M | 3.74M | 3.23M | 4.01M | 3.49M | 3.01M | 3.08M | 0 | 3.07M |
| PP&E (Net) | 22.47M | 19.17M | 47.33M | 24.18M | 19.24M | 32.06M | 35.99M | 212.53M | 189.58M | 195.27M |
| Other Assets | 0 | 0 | 100.3M | 533.68M | 1B | 726.41M | 875.03M | 12.61B | 5.77B | 3B |
| Total Current Assets | 1.78B | 4.08B | 2.57B | 2.53B | 3.78B | 2.78B | 3.55B | 1.79B | 1.53B | 922.27M |
| Total Non-Current Assets | 16.44B | 15.28B | 10.46B | 9.7B | 10.6B | 11.7B | 12.82B | 13.23B | 8.73B | 11.6B |
| Total Assets | 18.22B▲ 0% | 19.35B▲ 6.3% | 13.03B▼ 32.7% | 12.23B▼ 6.1% | 14.39B▲ 17.6% | 14.48B▲ 0.7% | 16.36B▲ 13.0% | 15.03B▼ 8.2% | 10.26B▼ 31.8% | 12.52B▲ 0% |
| Asset Growth % | 133.35% | 6.25% | -32.7% | -6.09% | 17.6% | 0.67% | 13% | -8.17% | -31.75% | -64.67% |
| Return on Assets (ROA) | 4.09% | 4.58% | 3.3% | 0.91% | 0.49% | 0.94% | 1.07% | 0.24% | -3.62% | -0.37% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 15.71B | 15.32B | 7.56B | 6.18B | 8.1B | 7.87B | 8.96B | 5.95B | 4.22B | 5.31B |
| Net Debt | 14.37B | 11.98B | 5.72B | 4.1B | 5.71B | 5.71B | 6.41B | 4.2B | 3.88B | 4.39B |
| Long-Term Debt | 12.2B | 11.11B | 6.65B | 5.65B | 8.04B | 7.73B | 1.82B | 578.41M | 892.85M | 3.08B |
| Short-Term Debt | 3.51B | 4.21B | 870.78M | 508.58M | 45.25M | 112.64M | 7.11B | 5.35B | 3.31B | 2.23B |
| Other Liabilities | 562.92M | 847.34M | 1.28B | 1.74B | 2.21B | 2.51B | 3.24B | 3.19B | 2.31B | 3.1B |
| Total Current Liabilities | 3.62B | 4.31B | 976.17M | 564.57M | 91.39M | 168.42M | 7.16B | 7.08B | 3.31B | 2.23B |
| Total Non-Current Liabilities | 12.77B | 12B | 8.45B | 7.93B | 10.48B | 10.38B | 5.19B | 3.89B | 3.36B | 6.26B |
| Total Liabilities | 16.38B | 16.31B | 9.43B | 8.49B | 10.57B | 10.54B | 12.36B | 10.97B | 6.67B | 8.49B |
| Total Equity | 1.83B▲ 0% | 3.05B▲ 66.3% | 3.6B▲ 18.2% | 3.74B▲ 4.0% | 3.82B▲ 2.1% | 3.94B▲ 3.1% | 4.01B▲ 1.8% | 4.06B▲ 1.2% | 3.58B▼ 11.7% | 4.03B▲ 0% |
| Equity Growth % | 63.7% | 66.31% | 18.16% | 3.97% | 2.06% | 3.13% | 1.81% | 1.21% | -11.7% | -2.51% |
| Equity / Assets (Capital Ratio) | 10.05% | 15.74% | 27.63% | 30.58% | 26.54% | 27.19% | 24.5% | 27% | 34.94% | 32.2% |
| Return on Equity (ROE) | 36.11% | 35.31% | 16.09% | 3.13% | 1.73% | 3.49% | 4.14% | 0.94% | -11.98% | -1.25% |
| Book Value per Share | 550.17 | 876.84 | 980.67 | 981.16 | 1000.93 | 1031.42 | 1109.05 | 1183.27 | 10448.58 | 11982.16 |
| Tangible BV per Share | 549.16 | 875.64 | 979.65 | 980.32 | 999.88 | 1030.51 | 1108.21 | 1182.37 | 10448.58 | 11973.04 |
| Common Stock | 0 | 916.74K | 916.74K | 916.74K | 916.74K | 916.74K | 916.74K | 916.74K | 917.32K | 917K |
| Additional Paid-in Capital | 569.13M | 921.7M | 937.59M | 999.66M | 1.02B | 1.02B | 1.03B | 1.05B | 1.05B | 1.05B |
| Retained Earnings | 1.27B | 2.13B | 2.66B | 2.76B | 2.82B | 2.96B | 3.1B | 3.14B | 2.67B | 3.11B |
| Accumulated OCI | -4.47M | -4.57M | -2.12M | -18.46M | -25.39M | -10.21M | -9.34M | -8.82M | -13.57M | -8.01M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -87.63M | -118.32M | -122.9M | -124.76M | -122.9M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CNFinance Holdings Limited (CNF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.29B | 1.33B | 1.3B | 1.12B | 689.69M | 919.25M | 1.71B | 757.23M | 82.15M | 82.15M |
| Operating CF Growth % | 238.7% | 3.58% | -2.52% | -13.82% | -38.4% | 33.28% | 85.56% | -55.61% | -89.15% | 0% |
| Net Income | 532.67M | 860.91M | 534.64M | 114.85M | 65.21M | 135.35M | 164.62M | 37.78M | -457.58M | -50.53M |
| Depreciation & Amortization | 10.8M | 13.3M | 10.92M | 6.05M | 3.82M | 2.24M | 1.75M | 11.54M | 15.54M | 0 |
| Deferred Taxes | -57.89M | -105.09M | 3.91M | -94.39M | -190.01M | -133.91M | -16.49M | -38.04M | 0 | 0 |
| Other Non-Cash Items | 315.35M | 449.56M | -154.3M | 618.9M | 729.37M | 1.24B | 1.47B | 1.11B | 897.6M | 35.63M |
| Working Capital Changes | 303.02M | 74.26M | 888.06M | 412.09M | 62.54M | -330.44M | 77.04M | -382.31M | -373.42M | 0 |
| Cash from Investing | -9.58B | 641.39M | 4.94B | 524.05M | -2.35B | -1.1B | -2.48B | -263.67M | 3.18B | 0 |
| Purchase of Investments | -360.05M | -710M | -2.63B | -6.95B | -9.5B | -8.59B | -2.87B | -922.1M | -687.7M | 0 |
| Sale/Maturity of Investments | 16.29M | 390.05M | 2.65B | 7.19B | 8.97B | 9B | 2.98B | 1.11B | 710.54M | 0 |
| Net Investment Activity | -343.76M | -319.95M | 25.9M | 236.02M | -529.81M | 409.84M | 108.63M | 183.8M | 22.83M | 0 |
| Acquisitions | 57.72M | 29.66M | 4.91B | 0 | 0 | 50M | 0 | 0 | 434.53K | 0 |
| Other Investing | -9.28B | 946.5M | 6M | 291.25M | -1.82B | -1.47B | -2.48B | -439.53M | 3.16B | 0 |
| Cash from Financing | 9.26B | -2.55M | -7.7B | -1.37B | 1.93B | -288.16M | 1.01B | -1.33B | -4.07B | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | -87.63M | -30.69M | -4.58M | -1.73M | 0 |
| Stock Issued | 0 | 313.78M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 313.78M | 0 | 0 | 0 | -87.63M | -30.69M | -4.58M | -1.73M | 0 |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 0 |
| Other Financing | 0 | 0 | 0 | 0 | 0 | 50.75M | -71.1M | 0 | -7 | 0 |
| Net Change in Cash | 957.22M▲ 0% | 1.97B▲ 105.9% | -1.46B▼ 173.9% | 255.57M▲ 117.5% | 270.51M▲ 5.8% | -459.25M▼ 269.8% | 229.42M▲ 150.0% | -831.22M▼ 462.3% | -782.81M▲ 5.8% | 0▲ 0% |
| Exchange Rate Effect | -2.28M | -200.91K | 3.84M | -20.92M | -1.19M | 7.85M | 2.03M | 7.41M | 22.1M | 0 |
| Cash at Beginning | 233.14M | 1.19B | 3.16B | 1.71B | 1.96B | 2.23B | 1.77B | 2B | 1.12B | 0 |
| Cash at End | 1.19B | 3.16B | 1.71B | 1.96B | 2.23B | 1.77B | 2B | 1.17B | 338.4M | 0 |
| Interest Paid | 1.3B | 2B | 1.41B | 728.85M | 832.74M | 792.79M | 726.29M | 776.33M | 0 | 0 |
| Income Taxes Paid | 45.6M | 95.84M | 179.19M | 46.38M | 153.49M | 139.21M | 63.46M | 27.7M | 0 | 0 |
| Free Cash Flow | 1.27B▲ 0% | 1.32B▲ 4.0% | 1.29B▼ 1.8% | 1.12B▼ 13.8% | 685.89M▼ 38.6% | 829.36M▲ 20.9% | 1.59B▲ 91.9% | 749.28M▼ 52.9% | 78.68M▼ 89.5% | 0▲ 0% |
| FCF Growth % | 247.42% | 4.02% | -1.76% | -13.77% | -38.56% | 20.92% | 91.86% | -52.91% | -89.5% | - |
CNFinance Holdings Limited (CNF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 36.11% | 35.31% | 16.09% | 3.13% | 1.73% | 3.49% | 4.14% | 0.94% | -11.98% | -1.25% |
| Return on Assets (ROA) | 4.09% | 4.58% | 3.3% | 0.91% | 0.49% | 0.94% | 1.07% | 0.24% | -3.62% | -0.37% |
| Net Interest Margin | 10.98% | 12.14% | 12.75% | 9.18% | 7.16% | 6.53% | 6.3% | 4.95% | 0.61% | 0.32% |
| Efficiency Ratio | 26.1% | 17.46% | 22.83% | 47.04% | 58.8% | 36.29% | 42.99% | 48.75% | 98.18% | 45.09% |
| Equity / Assets | 10.05% | 15.74% | 27.63% | 30.58% | 26.54% | 27.19% | 24.5% | 27% | 34.94% | 32.2% |
| Book Value / Share | 550.17 | 876.84 | 980.67 | 981.16 | 1K | 1.03K | 1.11K | 1.18K | 10.45K | 11.98K |
| NII Growth | 149.79% | 17.45% | -29.34% | -32.33% | -8.34% | -8.14% | 9.04% | -27.85% | -91.64% | -92.07% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
CNFinance Holdings Limited (CNF) stock FAQ — growth, dividends, profitability & financials explained
CNFinance Holdings Limited (CNF) saw revenue decline by 60.9% over the past year.
CNFinance Holdings Limited (CNF) reported a net loss of $50.5M for fiscal year 2025.
CNFinance Holdings Limited (CNF) has a return on equity (ROE) of -12.0%. Negative ROE indicates the company is unprofitable.
CNFinance Holdings Limited (CNF) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.
CNFinance Holdings Limited (CNF) has an efficiency ratio of 98.2%. This is higher than peers, suggesting room for cost optimization.
CNFinance Holdings Limited (CNF) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates