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CNFinance Holdings Ltd.

CNF NYSE Finance Services Financials FY2016โ€“FY2025

Revenue Total sales reported in the income statement.
$15.5M
84.2% vs prior year
Operating margin Operating income as a share of revenue.
โˆ’163.7%
107.3ย pts
Net income Profit after all expenses, interest and tax.
โˆ’$65.4M
1,346.5%
Free cash flow Cash from operations minus capital spending.
$11.3M
89.2%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
โˆ’4.1%
0.7ย pts
Market cap Last close times the latest diluted share count, so it is approximate.
โ€”
P/E Last close divided by diluted earnings per share over the last four quarters.
โ€”

What CNFinance Holdings Ltd. does

No business description yet.

Legal name
CNFinance Holdings Ltd.
Fiscal year ends
December 31, 2025
Latest annual report
20-F ยท Apr 30, 2026
Accession ยท CIK
0001213900-26-050285
0001733868

Revenue and margins

CNFinance Holdings Ltd. had $15.5M of revenue in fiscal 2025, down 84.2% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $11.3M in fiscal 2025, 72.4% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

CNFinance Holdings Ltd. returned $0.2M to shareholders in fiscal 2025, 2% of free cash flow. The diluted share count rose 6.9%.

Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably CNFinance Holdings Ltd. can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $463M$292M$302M$166M$52.4M
Debt incl. finance leases $1.3B$1.4B$1.4B$888M$29.3M
Debt / equity 2.1x2.5x2.5x1.6x0.1x
Interest coverage โˆ’0.5xโ€”โ€”โ€”โ€”
Total assets $2.3B$2.1B$2.3B$2.1B$1.5B
Total liabilities $1.7B$1.5B$1.7B$1.5B$953M
Shareholders' equity $601M$563M$564M$556M$511M
Net debt (โˆ’ = net cash) $803M$1.1B$1.1B$722Mโˆ’$23.0M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. โ€œPlanโ€ marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

โ€”

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8โ€“9 is strong, 0โ€“2 weak.

TestFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ•
Cash from operations is positive โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“
Return on assets rose โ€” โ€” โœ“ โœ• โœ• โœ• โœ“ โœ“ โœ• โœ•
Cash from operations exceeds net income โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“
Debt fell relative to assets โ€” โ€” โ€” โ€” โ€” โ€” โœ• โœ“ โœ“ โœ“
Current ratio rose โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€”
Share count didn't rise โ€” โœ• โœ• โœ• โœ• โœ• โœ• โœ“ โœ“ โœ•
Gross margin rose โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€” โ€”
Revenue rose relative to assets โ€” โ€” โœ“ โœ“ โœ• โœ• โœ“ โœ• โœ• โœ•
F-score โ€” / 3โ€” / 4โ€” / 6โ€” / 6โ€” / 6โ€” / 65 / 76 / 75 / 73 / 7
Accruals ratio โ€”โˆ’4.0%โˆ’2.5%โˆ’4.7%โˆ’7.8%โˆ’4.7%โˆ’5.3%โˆ’9.9%โˆ’4.6%โˆ’4.4%
Altman Z'' โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”

10 years of figures

Amounts in USD. Hover a ratioโ€™s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $131M $298M $353M $259M $163M $93.3M $150M $145M $98.5M $15.5M
Net interest income $121M $296M $355M $240M $163M $161M $141M $146M $103M $8.9M
Noninterest income $10.0M $1.8M โˆ’$1.7M $18.6M โ€” โˆ’$68.0M $9.8M โˆ’$0.8M โˆ’$4.9M $6.6M
Noninterest expense $70.4M $133M $113M $76.8M $64.9M $59.1M $50.3M โ€” โ€” โ€”
Provision for credit losses $16.8M $45.4M $65.5M $52.5M $11.2M โˆ’$46.3M $35.4M $25.0M $14.6M $66.9M
Research and development $1.3M $0.7M $0.2M $0.4M $1.4M $0.2M $0.1M $0.3M $0.1M $0.5M
Operating income โ€” โ€” โ€” โ€” โ€” โˆ’$59.1M โˆ’$50.3M โˆ’$53.8M โˆ’$55.6M โˆ’$25.4M
Interest expense $66.6M $209M $294M $190M $106M $120M โ€” โ€” โ€” โ€”
Pretax income $43.4M $120M $175M $104M $23.6M $14.5M $25.6M $29.0M $6.7M โˆ’$81.3M
Income tax $7.9M $40.8M $44.9M $27.0M $6.9M $4.4M $5.5M $5.8M $1.5M โˆ’$15.8M
Net income $35.4M $78.8M $130M $77.4M $16.6M $10.1M $20.1M $23.2M $5.3M โˆ’$65.4M
Diluted EPS $0.03 $0.06 $0.09 $0.05 $0.01 $0.01 $0.01 $0.02 โ€” โ€”
Diluted shares 1.23B 1.33B 1.39B 1.47B 1.53B 1.53B 1.53B 1.45B 1.28B 1.37B
Cash flow
Cash from operations $57.2M $190M $200M $188M $162M $107M $137M $241M $105M $11.7M
Capital expenditure $2.3M $2.9M $2.2M $0.6M $0.5M $0.6M $13.4M $16.2M $1.1M $0.5M
Free cash flow $54.9M $187M $198M $187M $162M $106M $123M $225M $104M $11.3M
Depreciation and amortization $1.0M $1.6M $2.0M $1.6M $0.9M $0.6M $0.3M $0.2M $1.6M $2.2M
Stock-based compensation โ€” $27.0M $6.0M $2.3M $9.0M $2.9M $0.9M $1.1M $2.1M โ€”
Share buybacks โ€” โ€” โ€” โ€” โ€” โ€” $13.0M $4.3M $0.6M $0.2M
Dividends and buybacks โ€” โ€” โ€” โ€” โ€” โ€” $13.0M $4.3M $0.6M $0.2M
Balance sheet
Cash and short-term investments $33.6M $183M $460M $339M $346M $463M $292M $302M $166M $52.4M
Total debt โ€” โ€” โ€” โ€” โ€” $1.3B $1.4B $1.4B $888M $29.3M
Loans, net โ€” $2.5B $2.2B $1.5B $1.3B $1.3B $1.2B โ€” โ€” โ€”
Deposits โ€” โ€” โ€” โ€” $16.7M $24.1M $20.0M $22.1M $17.9M $8.2M
Inventory โ€” โ€” โ€” โ€” $284M $286M $251M $247M โ€” โ€”
Property and equipment, net โ€” $3.5M $2.8M $1.3M $0.7M $0.5M $0.3M $1.1M $25.7M $25.4M
Goodwill โ€” $0.0M $0.0M โ€” โ€” โ€” โ€” โ€” โ€” โ€”
Intangible assets โ€” $0.5M $0.6M $0.5M $0.5M $0.6M $0.5M $0.4M โ€” โ€”
Total assets โ€” $2.8B $2.8B $1.9B $1.9B $2.3B $2.1B $2.3B $2.1B $1.5B
Total liabilities โ€” $2.5B $2.4B $1.4B $1.3B $1.7B $1.5B $1.7B $1.5B $953M
Shareholders' equity $161M $281M $443M $517M $572M $601M $563M $564M $556M $511M
Margins
Operating margin โ€” โ€” โ€” โ€” โ€” โˆ’63.3% โˆ’33.4% โˆ’37.2% โˆ’56.4% โˆ’163.7%
EBITDA margin โ€” โ€” โ€” โ€” โ€” โˆ’62.7% โˆ’33.2% โˆ’37.0% โˆ’54.8% โˆ’149.4%
Net margin 27.1% 26.5% 36.8% 29.9% 10.2% 10.8% 13.4% 16.0% 5.3% โˆ’421.3%
FCF margin 42.0% 62.9% 56.0% 72.4% 99.4% 114.0% 81.9% 155.1% 105.7% 72.4%
Net interest share of revenue 92.3% 99.4% 100.5% 92.8% 100.0% 172.8% 93.5% 100.6% 104.9% 57.2%
Efficiency ratio 53.9% 44.6% 31.9% 29.7% 39.8% 63.3% 33.4% โ€” โ€” โ€”
Returns
Return on capital โ€” โ€” โ€” โ€” โ€” โˆ’2.9% โˆ’2.3% โˆ’2.6% โˆ’3.4% โˆ’4.1%
Return on equity 22.0% 35.6% 35.9% 16.1% 3.1% 1.7% 3.5% 4.1% 0.9% โˆ’12.3%
Return on assets โ€” 2.8% 4.6% 3.3% 0.9% 0.5% 0.9% 1.1% 0.2% โˆ’3.7%
Return on tangible equity 22.0% 28.1% 29.4% 15.0% 2.9% 1.7% 3.6% 4.1% 0.9% โˆ’12.8%
Growth
Revenue growth โ€” 128.2% 18.6% โˆ’26.7% โˆ’37.1% โˆ’42.7% 61.2% โˆ’3.7% โˆ’32.0% โˆ’84.2%
Net income growth โ€” 122.4% 65.1% โˆ’40.5% โˆ’78.5% โˆ’39.2% 98.8% 15.6% โˆ’77.4% โˆ’1,346.5%
EPS growth โ€” 107.0% 58.3% โˆ’44.4% โˆ’77.7% โˆ’32.8% 71.8% 15.7% โ€” โ€”
FCF growth โ€” 241.6% 5.6% โˆ’5.4% โˆ’13.7% โˆ’34.3% 15.8% 82.4% โˆ’53.7% โˆ’89.2%
Share count change โ€” 8.2% 4.4% 5.6% 3.9% 0.0% 0.1% โˆ’5.3% โˆ’11.3% 6.9%
Financial health
Debt / equity โ€” โ€” โ€” โ€” โ€” 2.1x 2.5x 2.5x 1.6x 0.1x
Interest coverage โ€” โ€” โ€” โ€” โ€” โˆ’0.5x โ€” โ€” โ€” โ€”
Loans / deposits โ€” โ€” โ€” โ€” 7,723.8% 5,514.3% 5,996.1% โ€” โ€” โ€”
Provision / loans โ€” 1.8% 3.0% 3.6% 0.9% โˆ’3.5% 3.0% โ€” โ€” โ€”
Capital allocation
Capex / revenue 1.8% 1.0% 0.6% 0.2% 0.3% 0.6% 8.9% 11.2% 1.1% 3.2%
Stock comp / revenue โ€” 9.1% 1.7% 0.9% 5.5% 3.1% 0.6% 0.7% 2.1% โ€”
Payouts / FCF โ€” โ€” โ€” โ€” โ€” โ€” 10.6% 1.9% 0.6% 2.2%
Quality scores
Piotroski F-score โ€” โ€” โ€” โ€” โ€” โ€” 5.0 6.0 5.0 3.0
Accruals ratio โ€” โˆ’4.0% โˆ’2.5% โˆ’4.7% โˆ’7.8% โˆ’4.7% โˆ’5.3% โˆ’9.9% โˆ’4.6% โˆ’4.4%

Source: SEC EDGAR XBRL filings (CIK 0001733868). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. The ADS ratio could not be read from the filing, so market cap and valuation are not shown. For information only โ€” not investment advice. Check the original filings before relying on any figure.

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