CNFinance Holdings Ltd.
CNF NYSE· Finance Services
Last close · Oct 26, 2026
$1.75
KIRA · Stoqly’s AI analyst, in plain words
- CNFinance Holdings Ltd. had $15.5M of revenue in fiscal 2025, down 84.2% on the year before. Over five years, revenue changed −37.5% a year on average.
- Its operating margin was −163.7%, down 107.3 pts: of every 100 in sales, about −164 is left after running the business.
- CNFinance Holdings Ltd. lost $65.4M in fiscal 2025.
- Free cash flow was $11.3M in fiscal 2025, 72.4% of revenue.
- CNFinance Holdings Ltd. returned $0.2M to shareholders in fiscal 2025, 2% of free cash flow. The diluted share count rose 6.9%.
- CNFinance Holdings Ltd. has $23.0M more cash than debt.
Market cap
—
P/E
—
Revenue
$15.5M
Net income
−$65.4M
Free cash flow
$11.3M
Operating margin
−163.7%
CNFinance Holdings Ltd. in 30 seconds · fiscal 2025
Are sales growing?
−84.2%
No. Sales fell 84.2% last year.
Does it make a profit?
−421.3%
No. It lost money last year.
Does profit turn into cash?
72.4%
Yes. 72.4% of sales ends up as free cash.
How healthy are the accounts?
3 / 7
Weak. It passes 3 of 7 health tests.
What CNFinance Holdings Ltd. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 30, 2026
- Legal name
- CNFinance Holdings Ltd.
- CIK
- 0001733868
CNFinance Holdings Ltd. · CNF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $93.3M | $150M | $145M | $98.5M | $15.5M |
| Revenue growth | −42.7% | 61.2% | −3.7% | −32.0% | −84.2% |
| Net interest income | $161M | $141M | $146M | $103M | $8.9M |
| Operating margin | −63.3% | −33.4% | −37.2% | −56.4% | −163.7% |
| Net income | $10.1M | $20.1M | $23.2M | $5.3M | −$65.4M |
| Net margin | 10.8% | 13.4% | 16.0% | 5.3% | −421.3% |
| Diluted EPS | $0.01 | $0.01 | $0.02 | — | — |
| Cash | |||||
| Cash from operations | $107M | $137M | $241M | $105M | $11.7M |
| Capital expenditure | $0.6M | $13.4M | $16.2M | $1.1M | $0.5M |
| Free cash flow | $106M | $123M | $225M | $104M | $11.3M |
| FCF margin | 114.0% | 81.9% | 155.1% | 105.7% | 72.4% |
| Share buybacks | — | $13.0M | $4.3M | $0.6M | $0.2M |
| Share count change | 0.0% | 0.1% | −5.3% | −11.3% | 6.9% |
| Debt and strength | |||||
| Cash and short-term investments | $463M | $292M | $302M | $166M | $52.4M |
| Debt incl. finance leases | $1.3B | $1.4B | $1.4B | $888M | $29.3M |
| Loans, net | $1.3B | $1.2B | — | — | — |
| Deposits | $24.1M | $20.0M | $22.1M | $17.9M | $8.2M |
| Shareholders' equity | $601M | $563M | $564M | $556M | $511M |
| Interest coverage | −0.5x | — | — | — | — |
| Returns and quality | |||||
| Return on capital | −2.9% | −2.3% | −2.6% | −3.4% | −4.1% |
| Return on equity | 1.7% | 3.5% | 4.1% | 0.9% | −12.3% |
| Return on tangible equity | 1.7% | 3.6% | 4.1% | 0.9% | −12.8% |
| Efficiency ratio | 63.3% | 33.4% | — | — | — |
| Piotroski F-score | — | 5 | 6 | 5 | 3 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
CNFinance Holdings Ltd. · CNF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $1.75 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0001733868). Data updated October 24, 2026. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.