CNF

CNFinance Holdings Limited

Price Chart

No historical data available

Latest Quote

$2.20

+0.01 (+0.23%)

Current Price

Previous Close	$2.19
Open	$2.12
Day High	$2.22
Day Low	$2.20
Volume	879

Fetched: 2026-08-31T22:49:23

Stock Information

Note: Financial values converted from CNY to USD

Shares Outstanding	6.86M
Total Debt	$513.73M
Cash Equivalents	$50.33M
Revenue	$-59.79M
Net Income	$-70.01M
Sector	Financial Services
Industry	Mortgage Finance
Market Cap	$37.09M
EPS (TTM)	$-10.11
Exchange	NYQ

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Recent Price History

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About CNFinance Holdings Limited

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. The company offers micro credit loan services for micro and small-enterprise owners; loan facilitation, post facilitation, and guarantee services for commercial banks; and loan lending agency services for financial institutions. It also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.

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Period:

Income Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue
Total Revenue	$20,204,195	$119,896,399	$165,806,641	$157,682,809
Operating Revenue	$20,204,195	$119,896,399	$165,806,641	$157,682,809
Expenses
Interest Expense	$76,178,582	$118,244,242	$107,612,594	$116,794,392
Rent Expense Supplemental	$2,040,346	$2,335,615	$2,435,789	$2,078,631
Selling And Marketing Expense	$7,748,534	$39,667,105	$58,538,283	$52,570,846
General And Administrative Expense	$16,230,295	$27,867,027	$34,537,977	$32,778,896
Professional Expense And Contract Services Expense	$562,672	$1,794,553	$2,601,507	$1,788,320
Other Non Interest Expense	$7,930,749	$23,282,386	$11,679,098	$9,517,689
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Net Interest Income	$9,512,391	$110,740,943	$153,495,221	$140,774,618
Interest Income	$85,690,973	$228,985,185	$261,107,815	$257,569,010
Normalized Income	$-67,705,490	$22,651,586	$32,445,937	$22,207,322
Net Income From Continuing And Discontinued Operation	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Net Income Common Stockholders	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Net Income	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Net Income Including Noncontrolling Interests	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Net Income Continuous Operations	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Pretax Income	$-86,928,369	$7,186,540	$30,603,572	$25,684,827
Special Income Charges	$-2,857,218	$-21,762,185	$-9,926,773	$-2,631,193
Depreciation Amortization Depletion Income Statement	$2,378,040	$1,717,572	$260,895	$334,005
Depreciation And Amortization In Income Statement	$2,378,040	$1,717,572	$260,895	$334,005
Per Share
Diluted EPS	-	$0.89	$3.27	$2.68
Basic EPS	-	$0.89	$3.57	$2.98
Other
Tax Effect Of Unusual Items	$-556,300	$-4,733,870	$-1,980,049	$-567,548
Tax Rate For Calcs	$0	$0	$0	$0
Total Unusual Items	$-2,857,218	$-21,762,185	$-9,926,773	$-2,631,193
Total Unusual Items Excluding Goodwill	$-2,857,218	$-21,762,185	$-9,926,773	$-2,631,193
Reconciled Depreciation	$2,378,040	$1,717,572	$260,895	$334,005
Diluted NI Availto Com Stockholders	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Tax Provision	$-16,921,961	$1,563,269	$6,104,359	$5,541,149
Other Special Charges	$90,467	$2,803,605	$277,077	$1,147,646
Write Off	$2,766,751	$18,958,580	$9,649,696	$1,483,547
Gain On Sale Of Security	$472,493	$-695,138	$161,474	$1,434,427
Selling General And Administration	$23,978,829	$67,534,132	$93,076,260	$85,349,742
Rent And Landing Fees	$2,040,346	$2,335,615	$2,435,789	$2,078,631
Salaries And Wages	$14,189,949	$25,531,413	$32,102,188	$30,700,265
Diluted Average Shares	-	$1,020,674	$1,113,604	$1,138,892
Basic Average Shares	-	$1,020,674	$1,020,803	$1,025,003
Other Gand A	-	-	-	-

Fetched: 2026-08-27

Balance Sheet (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Net Tangible Assets	$532,889,209	$603,407,520	$596,179,941	$577,813,975
Total Assets	$1,525,325,546	$2,236,410,773	$2,435,424,258	$2,155,272,164
Goodwill And Other Intangible Assets	$0	$458,746	$448,699	$519,062
Prepaid Assets	$12,267,702	$16,531,350	$41,412,243	$18,752,382
Receivables	$188,515,034	$149,301,208	$85,154,561	$37,415,384
Other Receivables	$176,240,701	$119,844,517	$34,494,703	$25,147,368
Accounts Receivable	$12,274,333	$29,456,691	$50,659,858	$12,268,015
Cash And Cash Equivalents	$117,847,154	$261,316,955	$379,531,954	$321,573,429
Cash Cash Equivalents And Federal Funds Sold	$117,847,154	$261,316,955	$379,531,954	$321,573,429
Other Intangible Assets	-	-	$448,699	$519,062
Debt
Total Debt	$102,001,241	$886,204,932	$1,230,736,692	$1,154,308,187
Long Term Debt And Capital Lease Obligation	$34,365,872	$89,264,571	$274,037,389	$1,154,308,187
Long Term Debt	$32,544,805	$86,081,243	$270,157,004	$1,150,054,250
Current Debt And Capital Lease Obligation	$67,635,369	$796,940,361	$956,699,302	-
Current Debt	$67,635,369	$796,940,361	$956,699,302	-
Other Current Borrowings	$67,635,369	$796,940,361	$956,699,302	-
Net Debt	-	$621,704,648	$847,324,353	$828,480,821
Liabilities
Total Liabilities Net Minority Interest	$992,436,337	$1,632,544,507	$1,838,795,618	$1,569,241,840
Non Current Deferred Liabilities	$20,940,449	$15,483,132	$16,700,942	$16,281,072
Non Current Deferred Taxes Liabilities	$12,015,719	$10,927,015	$10,801,515	$10,976,147
Payables And Accrued Expenses	$47,223,666	$48,034,201	$51,908,115	$51,695,454
Payables	$47,061,595	$46,267,883	$50,820,451	$49,241,924
Other Payable	$6,837,169	$8,056,120	$11,574,450	$7,499,781
Total Tax Payable	$40,064,992	$37,132,423	$36,919,246	$38,975,304
Income Tax Payable	$40,064,992	$37,132,423	$36,919,246	$38,975,304
Equity
Common Stock Equity	$532,889,209	$603,866,266	$596,628,640	$578,333,037
Total Equity Gross Minority Interest	$532,889,209	$603,866,266	$596,628,640	$586,030,324
Stockholders Equity	$532,889,209	$603,866,266	$596,628,640	$578,333,037
Gains Losses Not Affecting Retained Earnings	$-2,018,163	$-1,312,746	$-1,390,752	$-1,519,801
Other Equity Adjustments	$-2,018,163	$-1,312,746	$-1,390,752	$-1,519,801
Retained Earnings	$397,563,289	$467,569,697	$461,946,425	$440,331,041
Other
Treasury Shares Number	$27,969,242	$27,969,242	$27,969,242	$27,969,242
Ordinary Shares Number	$204,134,846	$204,134,846	$204,134,846	$204,134,846
Share Issued	$232,104,088	$232,104,088	$232,104,088	$232,104,088
Tangible Book Value	$532,889,209	$603,407,520	$596,179,941	$577,813,975
Invested Capital	$633,069,383	$1,486,887,869	$1,823,484,946	$1,728,387,287
Capital Lease Obligations	$1,821,066	$3,183,328	$3,880,385	$4,253,937
Total Capitalization	$565,434,014	$689,947,508	$866,785,644	$1,728,387,287
Minority Interest	$0	$0	$0	$7,697,287
Treasury Stock	$18,555,515	$18,290,283	$17,609,356	$13,041,757
Additional Paid In Capital	$155,763,163	$155,763,163	$153,545,889	$152,427,119
Capital Stock	$136,434	$136,434	$136,434	$136,434
Common Stock	$136,434	$136,434	$136,434	$136,434
Employee Benefits	$1,178,402	$2,282,585	$3,819,296	$4,709,507
Non Current Deferred Revenue	$8,924,730	$4,556,117	$5,899,428	$5,304,925
Long Term Capital Lease Obligation	$1,821,066	$3,183,328	$3,880,385	$4,253,937
Current Accrued Expenses	$162,071	$1,766,318	$1,087,664	$2,453,530
Investments And Advances	$40,695,082	$41,686,938	$67,281,783	$84,481,207
Held To Maturity Securities	$30,639,969	$27,883,418	$34,515,805	$40,823,723
Available For Sale Securities	$5,828,191	$8,044,639	$10,965,095	$7,293,915
Net PPE	$28,196,522	$31,629,473	$5,355,750	$4,771,571
Accumulated Depreciation	$-4,938,992	$-4,361,418	$-4,691,545	$-5,232,691
Gross PPE	$33,135,514	$35,990,891	$10,047,294	$10,004,262
Leases	$1,283,449	$2,117,074	$2,409,781	$2,515,759
Other Properties	$2,195,977	$4,212,903	$4,602,127	$4,784,690
Machinery Furniture Equipment	$2,305,697	$2,310,522	$3,035,387	$2,703,813
Buildings And Improvements	$27,350,391	$27,350,391	$0	-
Other Short Term Investments	$4,226,922	$5,758,881	$21,800,883	$36,363,570

Fetched: 2026-08-27

Cash Flow Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Free Cash Flow
Free Cash Flow	$12,037,206	$111,512,279	$236,818,943	$123,430,088
Operating Activities
Operating Cash Flow	$12,567,850	$112,694,818	$253,859,894	$136,807,872
Cash Flow From Continuing Operating Activities	$12,567,849	$112,694,818	$253,859,894	$136,807,872
Operating Gains Losses	$2,420,887	$-535,899	$2,272,963	$5,540,838
Investing Activities
Capital Expenditure	$-530,643	$-1,182,540	$-17,040,951	$-13,377,784
Investing Cash Flow	$487,233,282	$-39,240,267	$-369,668,547	$-163,439,324
Cash Flow From Continuing Investing Activities	$487,233,282	$-39,240,267	$-369,668,547	$-163,439,324
Net Other Investing Changes	$0	-	-	-
Financing Activities
Repurchase Of Capital Stock	$-265,232	$-680,927	$-4,567,599	$-13,041,757
Financing Cash Flow	$-622,947,690	$-198,263,010	$149,649,605	$-42,884,863
Cash Flow From Continuing Financing Activities	$-622,947,690	$-198,263,010	$149,649,605	$-42,884,863
Net Common Stock Issuance	$-265,232	$-680,927	$-4,567,599	$-13,041,757
Net Other Financing Charges	-	-	$-10,581,116	$7,552,870
Other
Repayment Of Debt	$-1,036,034,985	$-1,610,419,985	$-1,383,318,072	$-942,591,950
Issuance Of Debt	$413,352,527	$1,412,837,902	$1,548,116,394	$905,195,974
Interest Paid Supplemental Data	$69,945,637	$115,537,681	$108,090,610	$117,987,737
Income Tax Paid Supplemental Data	$690,728	$4,123,080	$9,444,205	$20,717,328
End Cash Position	$50,330,767	$174,182,743	$297,888,540	$263,745,359
Beginning Cash Position	$174,182,743	$297,888,540	$263,745,359	$332,093,732
Effect Of Exchange Rate Changes	$-705,417	$1,102,661	$302,229	$1,167,941
Changes In Cash	$-123,146,558	$-124,808,458	$33,840,952	$-69,516,315
Common Stock Payments	$-265,232	$-680,927	$-4,567,599	$-13,041,757
Net Issuance Payments Of Debt	$-622,682,458	$-197,582,083	$164,798,321	$-37,395,976
Net Long Term Debt Issuance	$-622,682,458	$-197,582,083	$164,798,321	$-37,395,976
Long Term Debt Payments	$-1,036,034,985	$-1,610,419,985	$-1,383,318,072	$-942,591,950
Long Term Debt Issuance	$413,352,527	$1,412,837,902	$1,548,116,394	$905,195,974
Net Investment Purchase And Sale	$3,493,214	$27,354,691	$16,167,310	$60,994,630
Sale Of Investment	$108,707,376	$164,586,937	$443,098,412	$1,339,748,422
Purchase Of Investment	$-105,214,162	$-137,232,246	$-426,931,102	$-1,278,753,792
Net PPE Purchase And Sale	$-464,163	$-1,058,490	$-17,035,160	$-13,330,228
Sale Of PPE	$66,481	$124,049	$5,791	$47,555
Purchase Of PPE	$-530,643	$-1,182,540	$-17,040,951	$-13,377,784
Change In Working Capital	$-57,130,485	$-56,897,538	$11,465,597	$-49,177,801
Change In Other Working Capital	$19,617,826	$-5,490,799	$-23,815,343	$-23,355,119
Change In Other Current Liabilities	$-35,151,340	$-15,109,997	$33,029,136	$-940,087
Change In Other Current Assets	$-41,596,970	$-36,296,743	$2,251,803	$-24,882,595
Other Non Cash Items	$90,107,478	$150,573,203	$189,454,949	$143,550,481
Stock Based Compensation	$0	$2,217,275	$1,118,770	$859,355
Unrealized Gain Loss On Investment Securities	$0	$0	$857,993	$54,002
Deferred Tax	$-26,776,359	$-5,661,904	$-2,454,633	$-19,929,673
Deferred Income Tax	$-26,776,359	$-5,661,904	$-2,454,633	$-19,929,673
Depreciation Amortization Depletion	$2,378,040	$1,717,572	$260,895	$334,005
Depreciation And Amortization	$2,378,040	$1,717,572	$260,895	$334,005
Gain Loss On Investment Securities	$144,617	$-613,909	$226,833	$0
Net Foreign Currency Exchange Gain Loss	$-844,156	$-883,127	$-534,227	$-1,094,628
Gain Loss On Sale Of PPE	$0	$-5,888	$21,973	$4,575
Net Income From Continuing Operations	$-70,006,407	$5,623,271	$24,499,213	$20,143,678
Net Business Purchase And Sale	-	$0	$0	$7,441,252
Sale Of Business	-	$0	$0	$7,441,252
Amortization Cash Flow	-	-	$77,226	-
Amortization Of Intangibles	-	-	$77,226	-
Depreciation	-	-	$183,669	-

Fetched: 2026-08-27