CNFinance Holdings Limited(CNF)Earnings, Financials & Key Ratios
CNF•NYSE•Banking & Credit
$3.06
$1M mkt cap·Price updated May 6, 2026
AboutCNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates a network of 63 branches and sub-branches, which included 14 branches and sub-branches in the Pearl River Delta region, 7 branches and sub-branches in the Yangtze River Delta region, and 42 branches and sub-branches in other areas in approximately 50 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.Show more
- Net Interest Income$62M-91.6%
- Total Revenue$626M-60.9%
- Net Income-$458M-1311.0%
- Return on Equity-11.98%-1378.6%
- Net Interest Margin0.61%-87.8%
- Efficiency Ratio98.18%+101.4%
- ROA-3.62%-1603.8%
- Equity / Assets34.94%+29.4%
- Book Value per Share10448.58+783.0%
- Tangible BV/Share10448.58+783.7%
- Debt/Equity1.18-19.8%
CNF Key Insights
CNFinance Holdings Limited (CNF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 34.9% equity/assets
- ✓Share count reduced 90.0% through buybacks
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗Weak NIM of 0.6%
- ✗High cost structure: 98.2% efficiency ratio
- ✗Weak momentum: RS Rating 5 (bottom 5%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CNF Price & Volume
CNFinance Holdings Limited (CNF) stock price & volume — 10-year historical chart
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CNF Growth Metrics
CNFinance Holdings Limited (CNF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-19.35%
3 Years-30.25%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-142.3%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-506.67%
Return on Capital
10 Years2.89%
5 Years0.66%
3 Years0.46%
Last Year-0.94%
CNF Peer Comparison
CNFinance Holdings Limited (CNF) competitors in Non-prime and home equity lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 28.76% | 0.07 | ||
 FINV | 2.96B | 5.22 | 3.93 | 3.69% | 17.43% | 0.00 | ||
 LX | 154.1M | 2.16 | 2.27 | 8.78% | 14.68% | 0.49 | ||
 UWMC | 542.86M | 3.49 | 29.08 | 65.83% | 1.67% | 9.06 | ||
 PFSI | 4.54B | 86.94 | 9.35 | 173.81% | 12.02% | 5.35 | ||
 RKT | 2.07B | 14.65 | 69.76 | 34.84% | -1.15% | 1.55 | ||
 TREE | 549.66M | 39.67 | 3.68 | 24.12% | 85.96% | 1.52 | ||
 BEKE | 62.71B | 18.79 | 37.13 | 20.16% | 3.36% | 5.02% | 0.32 |
Compare CNF vs Peers
CNFinance Holdings Limited (CNF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CNF Income Statement
CNFinance Holdings Limited (CNF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| 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 |
CNF Balance Sheet
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 |
CNF Cash Flow Statement
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% | - |
CNF Banking Ratios
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% |
CNF Frequently Asked Questions
CNFinance Holdings Limited (CNF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
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.
Dividend & Returns
CNFinance Holdings Limited (CNF) has a return on equity (ROE) of -12.0%. Negative ROE indicates the company is unprofitable.
Industry Metrics
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.
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