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CNF logoCNFinance Holdings Limited (CNF) Earnings History

Annual and quarterly earnings data from 2016 to 2025

TTM Net Income
-$51M
Net Loss
TTM EPS
$-150.19
Diluted
YoY EPS Growth
-12229.1%
Declining
Net Margin
-73.1%
Profitability
Operating Margin-11.2%
Gross Margin87.0%
ROE-12.0%
ROA-3.6%
Highest Annual Net Income$861M (2018)
Highest Quarterly EPS$72.00 (Q2 2018)
Consecutive Profitable Years0 years
Q2 2025
Net Income-$20M
EPS$-60.00
QoQ Growth+0.0%Solid

Loading earnings history...

CNF EPS Growth (CAGR)

Compound annual growth rate of diluted earnings per share

1-Year
N/A
N/M
3-Year
N/A
N/M
5-Year
N/A
N/M
10-Year
N/A
N/M

CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.

CNF Profitability Analysis

Margin trends over time

View revenue breakdown →
YearGross MarginOperating MarginNet Margin
202587.0%-11.2%-73.1%
202451.8%3.0%2.4%
202354.2%11.2%9.0%
202245.7%9.4%7.3%
202165.6%6.8%4.8%
Gross Margin = Gross Profit ÷ Revenue
Operating Margin = Operating Income ÷ Revenue
Net Margin = Net Income ÷ Revenue

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CNFinance Holdings Limited (CNF) Earnings Overview

As of May 6, 2026, CNFinance Holdings Limited (CNF) reported trailing twelve-month net income of -$51M, reflecting -12229.1% year-over-year growth. The company earned $-150.19 per diluted share over the past four quarters, with a net profit margin of -73.1%.

Looking at the long-term picture, CNF's historical earnings data spans multiple years. The company achieved its highest annual net income of $861M in fiscal 2018.

CNFinance Holdings Limited is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →

Compared to peers including QFIN ($6.89B net income, 36.5% margin), FINV ($2.80B net income, 18.2% margin), LX ($1.61B net income, 7.7% margin), CNF has room to improve margins relative to the peer group. Compare CNF vs QFIN →

CNF Earnings vs Peers

Earnings metrics vs comparable public companies

CompanyTTM Net IncomeTTM EPSNet MarginROEYoY GrowthCompare
CNF logoCNFCurrent
-$51M$-150.19-73.1%-12.0%-12229.1%—
QFIN logoQFIN
$6.9B$51.7636.5%27.1%+60.7%
FINV logoFINV
$2.8B$10.3718.2%16.2%+8.4%
LX logoLX
$1.6B$9.017.7%10.8%+2.5%
UWMC logoUWMC
$27M$0.110.9%1.1%-7.7%
PFSI logoPFSI
$507M$9.4211.5%12.3%+59.2%
Best in group
Lowest in group

CNF Historical Earnings Data (2016–2025)

10 years
Fiscal Year Net Income YoY % Operating Income EPS (Diluted) Net Margin Op. Margin
2025-$458M-1311.0%-$70M$-1334.20-73.1%-11.2%
2024$38M-77.0%$48M$11.002.4%3.0%
2023$165M+21.6%$206M$440.009.0%11.2%
2022$135M+107.6%$173M$360.007.3%9.4%
2021$65M-43.2%$94M$19.004.8%6.8%
2020$115M-78.5%$163M$32.006.3%8.9%
2019$535M-37.9%$721M$144.0017.2%23.2%
2018$861M+61.6%$1.16B$248.0020.1%27.0%
2017$533M+126.2%$809M$160.0015.6%23.7%
2016$235M-$288M$76.0018.0%22.1%

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Compare CNF vs BRK-A

Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..

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CNF — Frequently Asked Questions

Quick answers to the most common questions about buying CNF stock.

Is CNF growing earnings?

CNF EPS fell to $-150.19, with earnings declining -12229.1%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-51M.

What are CNF's profit margins?

CNFinance Holdings Limited net margin is -73.1%, with operating margin at -11.2%. Below-average margins reflect competitive or cost pressures.

How consistent are CNF's earnings?

CNF earnings data spans 2016-2025. The declining earnings trend is -12229.1% YoY. Historical data enables comparison across business cycles.

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CNF Earnings Over Time (2016–2025)

Net income and EPS trends