CNF
CNFinance Holdings Limited
Price Chart
Latest Quote
$1.75
+0.00 (+0.00%)
Current Price
| Previous Close | $1.75 |
| Open | $1.83 |
| Day High | $1.83 |
| Day Low | $1.75 |
| Volume | 199 |
Stock Information
Note: Financial values converted from CNY to USD
| Shares Outstanding | 6.86M |
| Total Debt | $455.37M |
| Cash Equivalents | $37.92M |
| Revenue | $-139.79M |
| Net Income | $-124.65M |
| Sector | Financial Services |
| Industry | Mortgage Finance |
| Market Cap | $29.50M |
| EPS (TTM) | $-9.43 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.81B |
| Sales | $-139.79M |
| Income | $-124.65M |
| Book/sh | $28.20 |
| Cash/sh | $36.80 |
| Employees | 326 |
Financial Ratios
| Quick Ratio | 0.72 |
| Current Ratio | 1.85 |
| Debt/Eq | 95.46 |
Returns & Margins
| ROA | -7.67% |
| ROE | -23.02% |
| Operating Margin | 112.86% |
Ownership
| Insider Ownership | 0.84% |
| Institutional Ownership | 21.07% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 172.39 |
| P/S | -0.03 |
| P/B | 0.06 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $1.92 |
| SMA50 | $2.00 |
| SMA200 | $3.25 |
| RSI | 39.71 |
| ATR | 0.1104 |
| Shares Float | 4.88M |
| Short Float | 0.08% |
| Short Ratio | 0.58 |
| Volatility | 0.17 |
| Rel Volume | 0.03 |
Performance History
| Week | -11.16% |
| Month | -12.06% |
| Quarter | -26.16% |
| 6 Months | -35.66% |
| YTD | -70.83% |
| Year | -61.45% |
| 3 Years | -94.24% |
| 5 Years | -96.64% |
| 10 Years | -97.70% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $1.75 | 199 |
| 2026-10-26 | $1.75 | 800 |
| 2026-10-23 | $1.82 | 11,100 |
| 2026-10-22 | $1.90 | 1,200 |
| 2026-10-21 | $1.88 | 1,800 |
| 2026-10-20 | $1.97 | 2,400 |
| 2026-10-19 | $1.96 | 1,000 |
| 2026-10-16 | $1.94 | 3,000 |
| 2026-10-15 | $1.96 | 7,600 |
| 2026-10-14 | $2.03 | 11,500 |
| 2026-10-13 | $1.90 | 600 |
| 2026-10-12 | $1.94 | 1,600 |
| 2026-10-09 | $1.95 | 2,300 |
| 2026-10-08 | $1.98 | 3,000 |
| 2026-10-07 | $1.89 | 72,200 |
| 2026-10-06 | $1.90 | 2,500 |
| 2026-10-05 | $1.91 | 3,800 |
| 2026-10-02 | $1.93 | 1,000 |
| 2026-10-01 | $2.00 | 800 |
| 2026-09-30 | $1.95 | 1,200 |
| 2026-09-29 | $1.95 | 400 |
| 2026-09-28 | $1.99 | 6,100 |
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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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $20,394,809 | $121,027,546 | $167,370,922 | $159,170,446 |
| Operating Revenue | $20,394,809 | $121,027,546 | $167,370,922 | $159,170,446 |
| Expenses | ||||
| Interest Expense | $76,897,279 | $119,359,801 | $108,627,851 | $117,896,273 |
| Rent Expense Supplemental | $2,059,595 | $2,357,650 | $2,458,769 | $2,098,241 |
| Selling And Marketing Expense | $7,821,636 | $40,041,339 | $59,090,555 | $53,066,819 |
| General And Administrative Expense | $16,383,418 | $28,129,935 | $34,863,821 | $33,088,144 |
| Professional Expense And Contract Services Expense | $567,980 | $1,811,484 | $2,626,051 | $1,805,192 |
| Other Non Interest Expense | $8,005,571 | $23,502,041 | $11,789,283 | $9,607,483 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Net Interest Income | $9,602,134 | $111,785,714 | $154,943,351 | $142,102,737 |
| Interest Income | $86,499,413 | $231,145,515 | $263,571,202 | $259,999,010 |
| Normalized Income | $-68,344,248 | $22,865,290 | $32,752,044 | $22,416,834 |
| Net Income From Continuing And Discontinued Operation | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Net Income Common Stockholders | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Net Income | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Net Income Including Noncontrolling Interests | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Net Income Continuous Operations | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Pretax Income | $-87,748,483 | $7,254,341 | $30,892,298 | $25,927,147 |
| Special Income Charges | $-2,884,174 | $-21,967,498 | $-10,020,426 | $-2,656,017 |
| Depreciation Amortization Depletion Income Statement | $2,400,476 | $1,733,776 | $263,356 | $337,156 |
| Depreciation And Amortization In Income Statement | $2,400,476 | $1,733,776 | $263,356 | $337,156 |
| Per Share | ||||
| Diluted EPS | $-10.22 | $0.90 | $3.31 | $2.70 |
| Basic EPS | $-10.22 | $0.90 | $3.61 | $3.00 |
| Other | ||||
| Tax Effect Of Unusual Items | $-561,549 | $-4,778,531 | $-1,998,730 | $-572,903 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-2,884,174 | $-21,967,498 | $-10,020,426 | $-2,656,017 |
| Total Unusual Items Excluding Goodwill | $-2,884,174 | $-21,967,498 | $-10,020,426 | $-2,656,017 |
| Reconciled Depreciation | $2,400,476 | $1,733,776 | $263,356 | $337,156 |
| Diluted Average Shares | $1,030,304 | $1,030,304 | $1,124,110 | $1,149,637 |
| Basic Average Shares | $963,551 | $1,030,304 | $1,030,434 | $1,034,673 |
| Diluted NI Availto Com Stockholders | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Tax Provision | $-17,081,609 | $1,578,017 | $6,161,950 | $5,593,426 |
| Other Special Charges | $91,321 | $2,830,056 | $279,691 | $1,158,473 |
| Write Off | $2,792,853 | $19,137,442 | $9,740,735 | $1,497,544 |
| Gain On Sale Of Security | $476,951 | $-701,697 | $162,997 | $1,447,959 |
| Selling General And Administration | $24,205,054 | $68,171,274 | $93,954,376 | $86,154,963 |
| Rent And Landing Fees | $2,059,595 | $2,357,650 | $2,458,769 | $2,098,241 |
| Salaries And Wages | $14,323,822 | $25,772,285 | $32,405,052 | $30,989,903 |
| Other Gand A | - | - | - | - |
Fetched: 2026-10-26
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $537,916,681 | $609,100,288 | $601,804,521 | $583,265,284 |
| Total Assets | $1,539,716,028 | $2,257,509,893 | $2,458,400,945 | $2,175,605,793 |
| Goodwill And Other Intangible Assets | $0 | $463,074 | $452,932 | $523,959 |
| Prepaid Assets | $12,383,440 | $16,687,313 | $41,802,942 | $18,929,298 |
| Receivables | $190,293,554 | $150,709,770 | $85,957,940 | $37,768,374 |
| Other Receivables | $177,903,421 | $120,975,174 | $34,820,138 | $25,384,618 |
| Accounts Receivable | $12,390,133 | $29,734,596 | $51,137,802 | $12,383,756 |
| Cash And Cash Equivalents | $118,958,967 | $263,782,315 | $383,112,597 | $324,607,271 |
| Cash Cash Equivalents And Federal Funds Sold | $118,958,967 | $263,782,315 | $383,112,597 | $324,607,271 |
| Other Intangible Assets | - | - | $452,932 | $523,959 |
| Debt | ||||
| Total Debt | $102,963,558 | $894,565,715 | $1,242,347,914 | $1,165,198,354 |
| Long Term Debt And Capital Lease Obligation | $34,690,092 | $90,106,726 | $276,622,759 | $1,165,198,354 |
| Long Term Debt | $32,851,845 | $86,893,365 | $272,705,764 | $1,160,904,284 |
| Current Debt And Capital Lease Obligation | $68,273,466 | $804,458,989 | $965,725,155 | - |
| Current Debt | $68,273,466 | $804,458,989 | $965,725,155 | - |
| Other Current Borrowings | $68,273,466 | $804,458,989 | $965,725,155 | - |
| Net Debt | - | $627,570,039 | $855,318,322 | $836,297,013 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,001,799,346 | $1,647,946,531 | $1,856,143,492 | $1,584,046,644 |
| Non Current Deferred Liabilities | $21,138,009 | $15,629,206 | $16,858,505 | $16,434,674 |
| Non Current Deferred Taxes Liabilities | $12,129,079 | $11,030,104 | $10,903,420 | $11,079,700 |
| Payables And Accrued Expenses | $47,669,191 | $48,487,373 | $52,397,835 | $52,183,168 |
| Payables | $47,505,591 | $46,704,392 | $51,299,909 | $49,706,491 |
| Other Payable | $6,901,673 | $8,132,124 | $11,683,648 | $7,570,536 |
| Total Tax Payable | $40,442,980 | $37,482,744 | $37,267,555 | $39,343,011 |
| Income Tax Payable | $40,442,980 | $37,482,744 | $37,267,555 | $39,343,011 |
| Equity | ||||
| Common Stock Equity | $537,916,681 | $609,563,362 | $602,257,454 | $583,789,243 |
| Total Equity Gross Minority Interest | $537,916,681 | $609,563,362 | $602,257,454 | $591,559,149 |
| Stockholders Equity | $537,916,681 | $609,563,362 | $602,257,454 | $583,789,243 |
| Gains Losses Not Affecting Retained Earnings | $-2,037,203 | $-1,325,131 | $-1,403,873 | $-1,534,139 |
| Other Equity Adjustments | $-2,037,203 | $-1,325,131 | $-1,403,873 | $-1,534,139 |
| Retained Earnings | $401,314,047 | $471,980,921 | $466,304,598 | $444,485,286 |
| Other | ||||
| Treasury Shares Number | $28,233,114 | $28,233,114 | $28,233,114 | $28,233,114 |
| Ordinary Shares Number | $206,060,729 | $206,060,729 | $206,060,729 | $206,060,729 |
| Share Issued | $234,293,843 | $234,293,843 | $234,293,843 | $234,293,843 |
| Tangible Book Value | $537,916,681 | $609,100,288 | $601,804,521 | $583,265,284 |
| Invested Capital | $639,041,993 | $1,500,915,715 | $1,840,688,373 | $1,744,693,528 |
| Capital Lease Obligations | $1,838,247 | $3,213,361 | $3,916,994 | $4,294,070 |
| Total Capitalization | $570,768,527 | $696,456,726 | $874,963,218 | $1,744,693,528 |
| Minority Interest | $0 | $0 | $0 | $7,769,906 |
| Treasury Stock | $18,730,575 | $18,462,840 | $17,775,489 | $13,164,798 |
| Additional Paid In Capital | $157,232,690 | $157,232,690 | $154,994,497 | $153,865,172 |
| Capital Stock | $137,721 | $137,721 | $137,721 | $137,721 |
| Common Stock | $137,721 | $137,721 | $137,721 | $137,721 |
| Employee Benefits | $1,189,519 | $2,304,120 | $3,855,329 | $4,753,938 |
| Non Current Deferred Revenue | $9,008,930 | $4,599,101 | $5,955,085 | $5,354,974 |
| Long Term Capital Lease Obligation | $1,838,247 | $3,213,361 | $3,916,994 | $4,294,070 |
| Current Accrued Expenses | $163,600 | $1,782,982 | $1,097,926 | $2,476,677 |
| Investments And Advances | $41,079,015 | $42,080,228 | $67,916,544 | $85,278,234 |
| Held To Maturity Securities | $30,929,038 | $28,146,481 | $34,841,440 | $41,208,869 |
| Available For Sale Securities | $5,883,176 | $8,120,535 | $11,068,544 | $7,362,728 |
| Net PPE | $28,462,539 | $31,927,877 | $5,406,278 | $4,816,588 |
| Accumulated Depreciation | $-4,985,588 | $-4,402,565 | $-4,735,807 | $-5,282,058 |
| Gross PPE | $33,448,126 | $36,330,442 | $10,142,084 | $10,098,646 |
| Leases | $1,295,557 | $2,137,047 | $2,432,515 | $2,539,493 |
| Other Properties | $2,216,695 | $4,252,649 | $4,645,545 | $4,829,831 |
| Machinery Furniture Equipment | $2,327,450 | $2,332,321 | $3,064,024 | $2,729,322 |
| Buildings And Improvements | $27,608,425 | $27,608,425 | $0 | - |
| Other Short Term Investments | $4,266,801 | $5,813,212 | $22,006,560 | $36,706,637 |
Fetched: 2026-10-26
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $12,150,770 | $112,564,326 | $239,053,180 | $124,594,573 |
| Operating Activities | ||||
| Operating Cash Flow | $12,686,419 | $113,758,023 | $256,254,901 | $138,098,568 |
| Cash Flow From Continuing Operating Activities | $12,686,419 | $113,758,023 | $256,254,901 | $138,098,568 |
| Operating Gains Losses | $2,443,727 | $-540,955 | $2,294,407 | $5,593,113 |
| Investing Activities | ||||
| Capital Expenditure | $-535,650 | $-1,193,696 | $-17,201,721 | $-13,503,995 |
| Investing Cash Flow | $491,830,020 | $-39,610,474 | $-373,156,136 | $-164,981,271 |
| Cash Flow From Continuing Investing Activities | $491,830,020 | $-39,610,474 | $-373,156,136 | $-164,981,271 |
| Net Other Investing Changes | $0 | - | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-267,734 | $-687,351 | $-4,610,692 | $-13,164,798 |
| Financing Cash Flow | $-628,824,808 | $-200,133,496 | $151,061,455 | $-43,289,454 |
| Cash Flow From Continuing Financing Activities | $-628,824,808 | $-200,133,496 | $151,061,455 | $-43,289,454 |
| Net Common Stock Issuance | $-267,734 | $-687,351 | $-4,610,692 | $-13,164,798 |
| Net Other Financing Charges | - | - | $-10,680,942 | $7,624,127 |
| Other | ||||
| Repayment Of Debt | $-1,045,809,320 | $-1,625,613,279 | $-1,396,368,803 | $-951,484,709 |
| Issuance Of Debt | $417,252,247 | $1,426,167,134 | $1,562,721,892 | $913,735,926 |
| Interest Paid Supplemental Data | $70,605,530 | $116,627,706 | $109,110,377 | $119,100,877 |
| Income Tax Paid Supplemental Data | $697,245 | $4,161,979 | $9,533,305 | $20,912,783 |
| End Cash Position | $50,805,606 | $175,826,047 | $300,698,930 | $266,233,629 |
| Beginning Cash Position | $175,826,047 | $300,698,930 | $266,233,629 | $335,226,826 |
| Effect Of Exchange Rate Changes | $-712,072 | $1,113,064 | $305,081 | $1,178,960 |
| Changes In Cash | $-124,308,368 | $-125,985,947 | $34,160,220 | $-70,172,157 |
| Common Stock Payments | $-267,734 | $-687,351 | $-4,610,692 | $-13,164,798 |
| Net Issuance Payments Of Debt | $-628,557,073 | $-199,446,145 | $166,353,089 | $-37,748,783 |
| Net Long Term Debt Issuance | $-628,557,073 | $-199,446,145 | $166,353,089 | $-37,748,783 |
| Long Term Debt Payments | $-1,045,809,320 | $-1,625,613,279 | $-1,396,368,803 | $-951,484,709 |
| Long Term Debt Issuance | $417,252,247 | $1,426,167,134 | $1,562,721,892 | $913,735,926 |
| Net Investment Purchase And Sale | $3,526,170 | $27,612,765 | $16,319,838 | $61,570,076 |
| Sale Of Investment | $109,732,961 | $166,139,711 | $447,278,765 | $1,352,388,101 |
| Purchase Of Investment | $-106,206,791 | $-138,526,946 | $-430,958,927 | $-1,290,818,025 |
| Net PPE Purchase And Sale | $-468,542 | $-1,068,477 | $-17,195,876 | $-13,455,991 |
| Sale Of PPE | $67,108 | $125,220 | $5,845 | $48,004 |
| Purchase Of PPE | $-535,650 | $-1,193,696 | $-17,201,721 | $-13,503,995 |
| Change In Working Capital | $-57,669,475 | $-57,434,331 | $11,573,767 | $-49,641,762 |
| Change In Other Working Capital | $19,802,907 | $-5,542,601 | $-24,040,025 | $-23,575,460 |
| Change In Other Current Liabilities | $-35,482,971 | $-15,252,550 | $33,340,745 | $-948,956 |
| Change In Other Current Assets | $-41,989,412 | $-36,639,180 | $2,273,047 | $-25,117,346 |
| Other Non Cash Items | $90,957,585 | $151,993,766 | $191,242,336 | $144,904,789 |
| Stock Based Compensation | $0 | $2,238,193 | $1,129,325 | $867,463 |
| Unrealized Gain Loss On Investment Securities | $0 | $0 | $866,088 | $54,511 |
| Deferred Tax | $-27,028,977 | $-5,715,321 | $-2,477,791 | $-20,117,697 |
| Deferred Income Tax | $-27,028,977 | $-5,715,321 | $-2,477,791 | $-20,117,697 |
| Depreciation Amortization Depletion | $2,400,476 | $1,733,776 | $263,356 | $337,156 |
| Depreciation And Amortization | $2,400,476 | $1,733,776 | $263,356 | $337,156 |
| Gain Loss On Investment Securities | $145,981 | $-619,701 | $228,973 | $0 |
| Net Foreign Currency Exchange Gain Loss | $-852,120 | $-891,459 | $-539,267 | $-1,104,955 |
| Gain Loss On Sale Of PPE | $0 | $-5,944 | $22,180 | $4,618 |
| Net Income From Continuing Operations | $-70,666,874 | $5,676,323 | $24,730,348 | $20,333,721 |
| Net Business Purchase And Sale | - | $0 | $0 | $7,511,455 |
| Sale Of Business | - | $0 | $0 | $7,511,455 |
| Amortization Cash Flow | - | - | $77,954 | - |
| Amortization Of Intangibles | - | - | $77,954 | - |
| Depreciation | - | - | $185,402 | - |
Fetched: 2026-10-26