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CNF

CNFinance Holdings Limited

Price Chart
Latest Quote

$2.92

+0.47 (+19.18%)
Current Price
Previous Close $2.45
Open $2.45
Day High $3.38
Day Low $2.47
Volume 532,348
Fetched: 2026-07-18T02:51:10
Stock Information
Note: Financial values converted from CNY to USD
Shares Outstanding 6.86M
Total Debt $510.04M
Cash Equivalents $49.97M
Revenue $-59.36M
Net Income $-69.51M
Sector Financial Services
Industry Mortgage Finance
Market Cap $49.23M
EPS (TTM) $-10.00
Exchange NYQ
🌐 Visit Website
📊 Comprehensive Analysis
Company Data
Enterprise Value$3.13B
Sales$-59.36M
Income$-69.51M
Book/sh$77.13
Cash/sh$49.31
Employees326
Financial Ratios
Quick Ratio0.93
Current Ratio2.23
Debt/Eq96.40
Returns & Margins
ROA-3.72%
ROE-12.32%
Operating Margin113.46%
Ownership
Insider Ownership0.74%
Institutional Ownership17.94%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E287.63
P/S-0.12
P/B0.04
Analyst Data
Recommendationnone
Technical Indicators
SMA20$2.77
SMA50$2.99
SMA200$4.37
RSI51.41
ATR0.2693
Shares Float1.99M
Short Float0.07%
Short Ratio0.94
Volatility-0.18
Rel Volume14.62
Performance History
Week+11.45%
Month-5.50%
Quarter-15.61%
6 Months-43.85%
YTD-51.33%
Year-62.56%
3 Years-90.52%
5 Years-90.49%
10 Years-96.16%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $2.92 532,348
2026-07-16 $2.45 19,300
2026-07-15 $2.34 8,700
2026-07-14 $2.23 22,200
2026-07-13 $2.58 64,100
2026-07-10 $2.62 8,100
2026-07-09 $2.70 13,600
2026-07-08 $2.75 500
2026-07-07 $2.83 5,100
2026-07-06 $2.85 3,300
2026-07-02 $2.94 16,500
2026-07-01 $2.87 4,700
2026-06-30 $2.77 5,700
2026-06-29 $2.72 2,900
2026-06-26 $2.87 4,200
2026-06-25 $2.84 7,500
2026-06-24 $2.90 7,100
2026-06-23 $2.95 1,000
2026-06-22 $3.09 800
2026-06-18 $3.09 500
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.

📰 Latest News
Asian Equities Traded in the US as American Depositary Receipts Drop Sharply in Tuesday Trading
MT Newswires â€ĸ 2026-07-07T14:40:50Z
Asian Equities Traded in the US as American Depositary Receipts Rise Sharply in Wednesday Trading
MT Newswires â€ĸ 2026-06-17T14:45:10Z
Asian Equities Traded in the US as American Depositary Receipts Fall in Friday Trading
MT Newswires â€ĸ 2026-06-05T14:38:00Z
Asian Equities Traded in US as ADRs Fall in Tuesday Trading
MT Newswires â€ĸ 2026-04-21T14:37:27Z
Asian Equities Traded in the US as American Depositary Receipts Little Changed in Thursday Trading
MT Newswires â€ĸ 2026-04-16T14:40:28Z
Asian Equities Traded in the US as American Depositary Receipts Begin Week Lower
MT Newswires â€ĸ 2026-04-13T14:36:13Z
Asian Equities Traded in the US as American Depositary Receipts Decline in Tuesday Trading
MT Newswires â€ĸ 2026-04-07T14:44:46Z
Asian Equities Traded in the US as American Depositary Receipts Rise Sharply in Tuesday Trading
MT Newswires â€ĸ 2026-03-31T14:39:29Z
Asian Equities Traded in the US as American Depositary Receipts Decline in Friday Trading
MT Newswires â€ĸ 2026-03-27T14:37:22Z
Asian Equities Traded in the US as American Depositary Receipts Open Week Sharply Lower in Monday Trading
MT Newswires â€ĸ 2026-03-09T14:41:59Z
Period:
Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $20,065,927 $119,075,883 $164,671,937 $156,603,700
Operating Revenue $20,065,927 $119,075,883 $164,671,937 $156,603,700
Expenses
Interest Expense $75,657,251 $117,435,033 $106,876,143 $115,995,105
Rent Expense Supplemental $2,026,383 $2,319,631 $2,419,120 $2,064,406
Selling And Marketing Expense $7,695,506 $39,395,641 $58,137,674 $52,211,075
General And Administrative Expense $16,119,222 $27,676,318 $34,301,615 $32,554,573
Professional Expense And Contract Services Expense $558,821 $1,782,272 $2,583,704 $1,776,082
Other Non Interest Expense $7,876,475 $23,123,052 $11,599,172 $9,452,555
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Net Interest Income $9,447,292 $109,983,083 $152,444,770 $139,811,221
Interest Income $85,104,544 $227,418,116 $259,320,913 $255,806,326
Normalized Income $-67,242,144 $22,496,569 $32,223,892 $22,055,346
Net Income From Continuing And Discontinued Operation $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Net Income Common Stockholders $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Net Income $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Net Income Including Noncontrolling Interests $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Net Income Continuous Operations $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Pretax Income $-86,333,471 $7,137,359 $30,394,136 $25,509,052
Special Income Charges $-2,837,665 $-21,613,255 $-9,858,839 $-2,613,186
Depreciation Amortization Depletion Income Statement $2,361,766 $1,705,817 $259,110 $331,719
Depreciation And Amortization In Income Statement $2,361,766 $1,705,817 $259,110 $331,719
Per Share
Diluted EPS - $0.89 $3.25 $2.66
Basic EPS - $0.89 $3.55 $2.96
Other
Tax Effect Of Unusual Items $-552,493 $-4,701,474 $-1,966,499 $-563,664
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $-2,837,665 $-21,613,255 $-9,858,839 $-2,613,186
Total Unusual Items Excluding Goodwill $-2,837,665 $-21,613,255 $-9,858,839 $-2,613,186
Reconciled Depreciation $2,361,766 $1,705,817 $259,110 $331,719
Diluted NI Availto Com Stockholders $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Tax Provision $-16,806,155 $1,552,571 $6,062,584 $5,503,228
Other Special Charges $89,848 $2,784,419 $275,180 $1,139,792
Write Off $2,747,816 $18,828,836 $9,583,658 $1,473,395
Gain On Sale Of Security $469,260 $-690,381 $160,368 $1,424,610
Selling General And Administration $23,814,729 $67,071,960 $92,439,289 $84,765,648
Rent And Landing Fees $2,026,383 $2,319,631 $2,419,120 $2,064,406
Salaries And Wages $14,092,840 $25,356,687 $31,882,495 $30,490,167
Diluted Average Shares - $1,013,689 $1,105,983 $1,131,098
Basic Average Shares - $1,013,689 $1,013,817 $1,017,988
Other Gand A - - - -
Fetched: 2026-07-16
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $529,242,360 $599,278,076 $592,099,960 $573,859,682
Total Assets $1,514,886,920 $2,221,105,807 $2,418,757,336 $2,140,522,473
Goodwill And Other Intangible Assets $0 $455,606 $445,628 $515,510
Prepaid Assets $12,183,747 $16,418,217 $41,128,837 $18,624,049
Receivables $187,224,924 $148,279,459 $84,571,802 $37,159,330
Other Receivables $175,034,591 $119,024,356 $34,258,637 $24,975,271
Accounts Receivable $12,190,333 $29,255,103 $50,313,166 $12,184,059
Cash And Cash Equivalents $117,040,662 $259,528,622 $376,934,612 $319,372,729
Cash Cash Equivalents And Federal Funds Sold $117,040,662 $259,528,622 $376,934,612 $319,372,729
Other Intangible Assets - - $445,628 $515,510
Debt
Total Debt $101,303,191 $880,140,153 $1,222,314,096 $1,146,408,633
Long Term Debt And Capital Lease Obligation $34,130,688 $88,653,685 $272,162,004 $1,146,408,633
Long Term Debt $32,322,084 $85,492,142 $268,308,174 $1,142,183,808
Current Debt And Capital Lease Obligation $67,172,504 $791,486,468 $950,152,093 -
Current Debt $67,172,504 $791,486,468 $950,152,093 -
Other Current Borrowings $67,172,504 $791,486,468 $950,152,093 -
Net Debt - $617,449,988 $841,525,655 $822,811,080
Liabilities
Total Liabilities Net Minority Interest $985,644,560 $1,621,372,124 $1,826,211,748 $1,558,502,671
Non Current Deferred Liabilities $20,797,142 $15,377,173 $16,586,649 $16,169,652
Non Current Deferred Taxes Liabilities $11,933,489 $10,852,235 $10,727,594 $10,901,031
Payables And Accrued Expenses $46,900,489 $47,705,477 $51,552,880 $51,341,674
Payables $46,739,527 $45,951,247 $50,472,659 $48,904,935
Other Payable $6,790,379 $8,000,987 $11,495,240 $7,448,456
Total Tax Payable $39,790,806 $36,878,306 $36,666,587 $38,708,575
Income Tax Payable $39,790,806 $36,878,306 $36,666,587 $38,708,575
Equity
Common Stock Equity $529,242,360 $599,733,683 $592,545,588 $574,375,192
Total Equity Gross Minority Interest $529,242,360 $599,733,683 $592,545,588 $582,019,802
Stockholders Equity $529,242,360 $599,733,683 $592,545,588 $574,375,192
Gains Losses Not Affecting Retained Earnings $-2,004,352 $-1,303,762 $-1,381,235 $-1,509,400
Other Equity Adjustments $-2,004,352 $-1,303,762 $-1,381,235 $-1,509,400
Retained Earnings $394,842,549 $464,369,865 $458,785,077 $437,317,618
Other
Treasury Shares Number $27,777,833 $27,777,833 $27,777,833 $27,777,833
Ordinary Shares Number $202,737,841 $202,737,841 $202,737,841 $202,737,841
Share Issued $230,515,674 $230,515,674 $230,515,674 $230,515,674
Tangible Book Value $529,242,360 $599,278,076 $592,099,960 $573,859,682
Invested Capital $628,736,948 $1,476,712,293 $1,811,005,855 $1,716,559,000
Capital Lease Obligations $1,808,604 $3,161,543 $3,853,830 $4,224,825
Total Capitalization $561,564,444 $685,225,825 $860,853,762 $1,716,559,000
Minority Interest $0 $0 $0 $7,644,610
Treasury Stock $18,428,530 $18,165,113 $17,488,846 $12,952,505
Additional Paid In Capital $154,697,192 $154,697,192 $152,495,091 $151,383,978
Capital Stock $135,501 $135,501 $135,501 $135,501
Common Stock $135,501 $135,501 $135,501 $135,501
Employee Benefits $1,170,337 $2,266,964 $3,793,158 $4,677,277
Non Current Deferred Revenue $8,863,654 $4,524,937 $5,859,055 $5,268,621
Long Term Capital Lease Obligation $1,808,604 $3,161,543 $3,853,830 $4,224,825
Current Accrued Expenses $160,962 $1,754,230 $1,080,221 $2,436,739
Investments And Advances $40,416,584 $41,401,652 $66,821,338 $83,903,057
Held To Maturity Securities $30,430,284 $27,692,597 $34,279,595 $40,544,344
Available For Sale Securities $5,788,305 $7,989,586 $10,890,055 $7,243,999
Net PPE $28,003,558 $31,413,015 $5,319,097 $4,738,917
Accumulated Depreciation $-4,905,191 $-4,331,570 $-4,659,438 $-5,196,881
Gross PPE $32,908,750 $35,744,585 $9,978,535 $9,935,798
Leases $1,274,666 $2,102,586 $2,393,289 $2,498,542
Other Properties $2,180,949 $4,184,072 $4,570,632 $4,751,946
Machinery Furniture Equipment $2,289,918 $2,294,710 $3,014,614 $2,685,309
Buildings And Improvements $27,163,218 $27,163,218 $0 -
Other Short Term Investments $4,197,995 $5,719,470 $21,651,688 $36,114,714
Fetched: 2026-07-16
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $11,954,829 $110,749,140 $235,198,263 $122,585,389
Operating Activities
Operating Cash Flow $12,481,841 $111,923,587 $252,122,594 $135,871,622
Cash Flow From Continuing Operating Activities $12,481,841 $111,923,587 $252,122,594 $135,871,622
Operating Gains Losses $2,404,320 $-532,232 $2,257,408 $5,502,920
Investing Activities
Capital Expenditure $-527,012 $-1,174,447 $-16,924,330 $-13,286,232
Investing Cash Flow $483,898,882 $-38,971,725 $-367,138,706 $-162,320,820
Cash Flow From Continuing Investing Activities $483,898,882 $-38,971,725 $-367,138,706 $-162,320,820
Net Other Investing Changes $0 - - -
Financing Activities
Repurchase Of Capital Stock $-263,417 $-676,267 $-4,536,341 $-12,952,505
Financing Cash Flow $-618,684,523 $-196,906,189 $148,625,472 $-42,591,378
Cash Flow From Continuing Financing Activities $-618,684,523 $-196,906,189 $148,625,472 $-42,591,378
Net Common Stock Issuance $-263,417 $-676,267 $-4,536,341 $-12,952,505
Net Other Financing Charges - - $-10,508,704 $7,501,182
Other
Repayment Of Debt $-1,028,944,839 $-1,599,399,012 $-1,373,851,280 $-936,141,285
Issuance Of Debt $410,523,733 $1,403,169,090 $1,537,521,798 $899,001,230
Interest Paid Supplemental Data $69,466,961 $114,746,995 $107,350,888 $117,180,284
Income Tax Paid Supplemental Data $686,001 $4,094,864 $9,379,573 $20,575,548
End Cash Position $49,986,327 $172,990,716 $295,849,928 $261,940,407
Beginning Cash Position $172,990,716 $295,849,928 $261,940,407 $329,821,036
Effect Of Exchange Rate Changes $-700,590 $1,095,115 $300,161 $1,159,948
Changes In Cash $-122,303,800 $-123,954,327 $33,609,360 $-69,040,577
Common Stock Payments $-263,417 $-676,267 $-4,536,341 $-12,952,505
Net Issuance Payments Of Debt $-618,421,106 $-196,229,922 $163,670,517 $-37,140,055
Net Long Term Debt Issuance $-618,421,106 $-196,229,922 $163,670,517 $-37,140,055
Long Term Debt Payments $-1,028,944,839 $-1,599,399,012 $-1,373,851,280 $-936,141,285
Long Term Debt Issuance $410,523,733 $1,403,169,090 $1,537,521,798 $899,001,230
Net Investment Purchase And Sale $3,469,308 $27,167,488 $16,056,668 $60,577,211
Sale Of Investment $107,963,433 $163,460,580 $440,066,050 $1,330,579,801
Purchase Of Investment $-104,494,124 $-136,293,092 $-424,009,382 $-1,270,002,590
Net PPE Purchase And Sale $-460,986 $-1,051,247 $-16,918,579 $-13,239,003
Sale Of PPE $66,026 $123,200 $5,751 $47,230
Purchase Of PPE $-527,012 $-1,174,447 $-16,924,330 $-13,286,232
Change In Working Capital $-56,739,510 $-56,508,158 $11,387,131 $-48,841,250
Change In Other Working Capital $19,483,570 $-5,453,222 $-23,652,361 $-23,195,287
Change In Other Current Liabilities $-34,910,781 $-15,006,591 $32,803,100 $-933,654
Change In Other Current Assets $-41,312,300 $-36,048,345 $2,236,392 $-24,712,310
Other Non Cash Items $89,490,823 $149,542,749 $188,158,406 $142,568,087
Stock Based Compensation $0 $2,202,101 $1,111,113 $853,474
Unrealized Gain Loss On Investment Securities $0 $0 $852,121 $53,632
Deferred Tax $-26,593,114 $-5,623,157 $-2,437,834 $-19,793,284
Deferred Income Tax $-26,593,114 $-5,623,157 $-2,437,834 $-19,793,284
Depreciation Amortization Depletion $2,361,766 $1,705,817 $259,110 $331,719
Depreciation And Amortization $2,361,766 $1,705,817 $259,110 $331,719
Gain Loss On Investment Securities $143,627 $-609,707 $225,281 $0
Net Foreign Currency Exchange Gain Loss $-838,379 $-877,084 $-530,571 $-1,087,137
Gain Loss On Sale Of PPE $0 $-5,848 $21,823 $4,544
Net Income From Continuing Operations $-69,527,316 $5,584,788 $24,331,552 $20,005,824
Net Business Purchase And Sale - $0 $0 $7,390,327
Sale Of Business - $0 $0 $7,390,327
Amortization Cash Flow - - $76,697 -
Amortization Of Intangibles - - $76,697 -
Depreciation - - $182,412 -
Fetched: 2026-07-16