CNF

CNFinance Holdings Limited

Price Chart

Latest Quote

$3.10

+0.01 (+0.32%)

Current Price

Previous Close	$3.09
Open	$3.17
Day High	$3.19
Day Low	$2.94
Volume	2,343

Fetched: 2026-06-18T04:06:05

Stock Information

Note: Financial values converted from CNY to USD

Shares Outstanding	6.86M
Total Debt	$510.01M
Cash Equivalents	$49.97M
Revenue	$-59.36M
Net Income	$-69.50M
Sector	Financial Services
Industry	Mortgage Finance
Market Cap	$52.09M
EPS (TTM)	$-10.03
Exchange	NYQ

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📊 Comprehensive Analysis

Company Data

Enterprise Value	$3.13B
Sales	$-59.36M
Income	$-69.50M
Book/sh	$77.04
Cash/sh	$49.31
Employees	326

Financial Ratios

Quick Ratio	0.93
Current Ratio	2.23
Debt/Eq	96.40

Returns & Margins

ROA	-3.72%
ROE	-12.32%
Operating Margin	113.46%

Ownership

Insider Ownership	0.74%
Institutional Ownership	17.94%
Insider & Institutional transactions data not available

Valuation Ratios

Forward P/E	304.37
P/S	-0.13
P/B	0.04

Analyst Data

Recommendation

none

Technical Indicators

SMA20	$3.10
SMA50	$3.10
SMA200	$4.42
RSI	47.67
ATR	0.1493

Shares Float	1.99M
Short Float	0.13%
Short Ratio	0.53
Volatility	-0.19
Rel Volume	0.16

Performance History

Week	-0.32%
Month	+1.64%
Quarter	-30.41%
6 Months	-47.00%
YTD	-48.50%
Year	-40.58%
3 Years	-89.67%
5 Years	-90.31%
10 Years	-95.93%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-06-18	$3.09	500
2026-06-17	$3.10	2,300
2026-06-16	$3.09	1,500
2026-06-15	$3.06	4,500
2026-06-12	$3.10	2,800
2026-06-11	$3.10	800
2026-06-10	$3.10	1,900
2026-06-09	$3.14	3,000
2026-06-08	$3.00	2,700
2026-06-05	$3.18	3,400
2026-06-04	$3.15	1,600
2026-06-03	$2.99	1,900
2026-06-02	$3.16	1,300
2026-06-01	$3.12	1,500
2026-05-29	$3.13	3,100
2026-05-28	$3.12	2,400
2026-05-27	$3.01	1,600
2026-05-26	$3.17	18,200
2026-05-22	$3.19	4,100
2026-05-21	$3.06	4,300
2026-05-20	$3.12	4,200
2026-05-19	$3.04	8,500

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 Rise Sharply in Wednesday Trading

MT Newswires • 2026-06-17T14:45:10Z

Asian Equities Traded in the US as American Depositary Receipts Fall in Friday Trading

MT Newswires • 2026-06-05T14:38:00Z

Asian Equities Traded in US as ADRs Fall in Tuesday Trading

MT Newswires • 2026-04-21T14:37:27Z

Asian Equities Traded in the US as American Depositary Receipts Little Changed in Thursday Trading

MT Newswires • 2026-04-16T14:40:28Z

Asian Equities Traded in the US as American Depositary Receipts Begin Week Lower

MT Newswires • 2026-04-13T14:36:13Z

Asian Equities Traded in the US as American Depositary Receipts Decline in Tuesday Trading

MT Newswires • 2026-04-07T14:44:46Z

Asian Equities Traded in the US as American Depositary Receipts Rise Sharply in Tuesday Trading

MT Newswires • 2026-03-31T14:39:29Z

Asian Equities Traded in the US as American Depositary Receipts Decline in Friday Trading

MT Newswires • 2026-03-27T14:37:22Z

Asian Equities Traded in the US as American Depositary Receipts Open Week Sharply Lower in Monday Trading

MT Newswires • 2026-03-09T14:41:59Z

Asian Equities Traded in the US as American Depositary Receipts Rise Modestly in Wednesday Trading

MT Newswires • 2026-03-04T15:38:30Z

Period:

Income Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue
Total Revenue	$20,080,472	$119,162,198	$164,791,302	$156,717,217
Operating Revenue	$20,080,472	$119,162,198	$164,791,302	$156,717,217
Expenses
Interest Expense	$75,712,093	$117,520,157	$106,953,614	$116,079,186
Rent Expense Supplemental	$2,027,851	$2,321,312	$2,420,873	$2,065,902
Selling And Marketing Expense	$7,701,084	$39,424,198	$58,179,816	$52,248,921
General And Administrative Expense	$16,130,907	$27,696,380	$34,326,479	$32,578,170
Professional Expense And Contract Services Expense	$559,226	$1,783,564	$2,585,577	$1,777,369
Other Non Interest Expense	$7,882,184	$23,139,814	$11,607,580	$9,459,406
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Net Interest Income	$9,454,140	$110,062,806	$152,555,273	$139,912,566
Interest Income	$85,166,233	$227,582,963	$259,508,886	$255,991,751
Normalized Income	$-67,290,886	$22,512,876	$32,247,250	$22,071,333
Net Income From Continuing And Discontinued Operation	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Net Income Common Stockholders	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Net Income	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Net Income Including Noncontrolling Interests	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Net Income Continuous Operations	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Pretax Income	$-86,396,051	$7,142,533	$30,416,167	$25,527,543
Special Income Charges	$-2,839,722	$-21,628,922	$-9,865,985	$-2,615,080
Depreciation Amortization Depletion Income Statement	$2,363,478	$1,707,054	$259,297	$331,960
Depreciation And Amortization In Income Statement	$2,363,478	$1,707,054	$259,297	$331,960
Per Share
Diluted EPS	-	$0.89	$3.25	$2.66
Basic EPS	-	$0.89	$3.55	$2.96
Other
Tax Effect Of Unusual Items	$-552,894	$-4,704,882	$-1,967,924	$-564,073
Tax Rate For Calcs	$0	$0	$0	$0
Total Unusual Items	$-2,839,722	$-21,628,922	$-9,865,985	$-2,615,080
Total Unusual Items Excluding Goodwill	$-2,839,722	$-21,628,922	$-9,865,985	$-2,615,080
Reconciled Depreciation	$2,363,478	$1,707,054	$259,297	$331,960
Diluted NI Availto Com Stockholders	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Tax Provision	$-16,818,338	$1,553,696	$6,066,978	$5,507,217
Other Special Charges	$89,913	$2,786,437	$275,380	$1,140,618
Write Off	$2,749,808	$18,842,485	$9,590,605	$1,474,463
Gain On Sale Of Security	$469,600	$-690,882	$160,485	$1,425,643
Selling General And Administration	$23,831,991	$67,120,578	$92,506,295	$84,827,091
Rent And Landing Fees	$2,027,851	$2,321,312	$2,420,873	$2,065,902
Salaries And Wages	$14,103,055	$25,375,067	$31,905,606	$30,512,268
Diluted Average Shares	-	$1,014,424	$1,106,784	$1,131,918
Basic Average Shares	-	$1,014,424	$1,014,552	$1,018,726
Other Gand A	-	-	-	-

Fetched: 2026-06-18

Balance Sheet (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Net Tangible Assets	$529,625,990	$599,712,473	$592,529,153	$574,275,654
Total Assets	$1,515,985,011	$2,222,715,812	$2,420,510,612	$2,142,074,066
Goodwill And Other Intangible Assets	$0	$455,937	$445,951	$515,883
Prepaid Assets	$12,192,579	$16,430,118	$41,158,650	$18,637,549
Receivables	$187,360,637	$148,386,942	$84,633,106	$37,186,265
Other Receivables	$175,161,468	$119,110,633	$34,283,470	$24,993,375
Accounts Receivable	$12,199,169	$29,276,309	$50,349,636	$12,192,891
Cash And Cash Equivalents	$117,125,501	$259,716,746	$377,207,839	$319,604,231
Cash Cash Equivalents And Federal Funds Sold	$117,125,501	$259,716,746	$377,207,839	$319,604,231
Other Intangible Assets	-	-	$445,951	$515,883
Debt
Total Debt	$101,376,623	$880,778,137	$1,223,200,111	$1,147,239,626
Long Term Debt And Capital Lease Obligation	$34,155,428	$88,717,947	$272,359,285	$1,147,239,626
Long Term Debt	$32,345,513	$85,554,113	$268,502,661	$1,143,011,739
Current Debt And Capital Lease Obligation	$67,221,195	$792,060,190	$950,840,826	-
Current Debt	$67,221,195	$792,060,190	$950,840,826	-
Other Current Borrowings	$67,221,195	$792,060,190	$950,840,826	-
Net Debt	-	$617,897,557	$842,135,649	$823,407,508
Liabilities
Total Liabilities Net Minority Interest	$986,359,021	$1,622,547,402	$1,827,535,507	$1,559,632,377
Non Current Deferred Liabilities	$20,812,218	$15,388,319	$16,598,672	$16,181,373
Non Current Deferred Taxes Liabilities	$11,942,139	$10,860,102	$10,735,370	$10,908,933
Payables And Accrued Expenses	$46,934,485	$47,740,057	$51,590,249	$51,378,890
Payables	$46,773,407	$45,984,556	$50,509,245	$48,940,385
Other Payable	$6,795,301	$8,006,787	$11,503,572	$7,453,855
Total Tax Payable	$39,819,649	$36,905,038	$36,693,166	$38,736,634
Income Tax Payable	$39,819,649	$36,905,038	$36,693,166	$38,736,634
Equity
Common Stock Equity	$529,625,990	$600,168,410	$592,975,104	$574,791,537
Total Equity Gross Minority Interest	$529,625,990	$600,168,410	$592,975,104	$582,441,689
Stockholders Equity	$529,625,990	$600,168,410	$592,975,104	$574,791,537
Gains Losses Not Affecting Retained Earnings	$-2,005,804	$-1,304,707	$-1,382,236	$-1,510,494
Other Equity Adjustments	$-2,005,804	$-1,304,707	$-1,382,236	$-1,510,494
Retained Earnings	$395,128,757	$464,706,471	$459,117,635	$437,634,615
Other
Treasury Shares Number	$27,797,968	$27,797,968	$27,797,968	$27,797,968
Ordinary Shares Number	$202,884,799	$202,884,799	$202,884,799	$202,884,799
Share Issued	$230,682,767	$230,682,767	$230,682,767	$230,682,767
Tangible Book Value	$529,625,990	$599,712,473	$592,529,153	$574,275,654
Invested Capital	$629,192,698	$1,477,782,712	$1,812,318,592	$1,717,803,276
Capital Lease Obligations	$1,809,915	$3,163,835	$3,856,623	$4,227,887
Total Capitalization	$561,971,503	$685,722,522	$861,477,766	$1,717,803,276
Minority Interest	$0	$0	$0	$7,650,152
Treasury Stock	$18,441,888	$18,178,280	$17,501,523	$12,961,894
Additional Paid In Capital	$154,809,327	$154,809,327	$152,605,630	$151,493,711
Capital Stock	$135,599	$135,599	$135,599	$135,599
Common Stock	$135,599	$135,599	$135,599	$135,599
Employee Benefits	$1,171,186	$2,268,608	$3,795,908	$4,680,668
Non Current Deferred Revenue	$8,870,079	$4,528,217	$5,863,302	$5,272,440
Long Term Capital Lease Obligation	$1,809,915	$3,163,835	$3,856,623	$4,227,887
Current Accrued Expenses	$161,079	$1,755,501	$1,081,004	$2,438,505
Investments And Advances	$40,445,881	$41,431,663	$66,869,774	$83,963,875
Held To Maturity Securities	$30,452,342	$27,712,670	$34,304,443	$40,573,733
Available For Sale Securities	$5,792,501	$7,995,377	$10,897,949	$7,249,249
Net PPE	$28,023,857	$31,435,786	$5,322,953	$4,742,352
Accumulated Depreciation	$-4,908,747	$-4,334,710	$-4,662,815	$-5,200,648
Gross PPE	$32,932,604	$35,770,496	$9,985,769	$9,943,000
Leases	$1,275,590	$2,104,110	$2,395,024	$2,500,353
Other Properties	$2,182,530	$4,187,105	$4,573,945	$4,755,391
Machinery Furniture Equipment	$2,291,578	$2,296,374	$3,016,799	$2,687,256
Buildings And Improvements	$27,182,907	$27,182,907	$0	-
Other Short Term Investments	$4,201,038	$5,723,616	$21,667,382	$36,140,892

Fetched: 2026-06-18

Cash Flow Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Free Cash Flow
Free Cash Flow	$11,963,495	$110,829,418	$235,368,751	$122,674,247
Operating Activities
Operating Cash Flow	$12,490,889	$112,004,716	$252,305,349	$135,970,111
Cash Flow From Continuing Operating Activities	$12,490,888	$112,004,716	$252,305,349	$135,970,111
Operating Gains Losses	$2,406,062	$-532,617	$2,259,044	$5,506,908
Investing Activities
Capital Expenditure	$-527,394	$-1,175,298	$-16,936,598	$-13,295,863
Investing Cash Flow	$484,249,644	$-38,999,974	$-367,404,832	$-162,438,481
Cash Flow From Continuing Investing Activities	$484,249,644	$-38,999,974	$-367,404,832	$-162,438,481
Net Other Investing Changes	$0	-	-	-
Financing Activities
Repurchase Of Capital Stock	$-263,608	$-676,757	$-4,539,629	$-12,961,894
Financing Cash Flow	$-619,132,987	$-197,048,920	$148,733,206	$-42,622,251
Cash Flow From Continuing Financing Activities	$-619,132,987	$-197,048,920	$148,733,206	$-42,622,251
Net Common Stock Issuance	$-263,608	$-676,757	$-4,539,629	$-12,961,894
Net Other Financing Charges	-	-	$-10,516,321	$7,506,619
Other
Repayment Of Debt	$-1,029,690,686	$-1,600,558,363	$-1,374,847,139	$-936,819,862
Issuance Of Debt	$410,821,308	$1,404,186,200	$1,538,636,296	$899,652,886
Interest Paid Supplemental Data	$69,517,315	$114,830,171	$107,428,703	$117,265,224
Income Tax Paid Supplemental Data	$686,499	$4,097,832	$9,386,372	$20,590,463
End Cash Position	$50,022,560	$173,116,112	$296,064,380	$262,130,279
Beginning Cash Position	$173,116,112	$296,064,380	$262,130,279	$330,060,112
Effect Of Exchange Rate Changes	$-701,097	$1,095,909	$300,379	$1,160,789
Changes In Cash	$-122,392,454	$-124,044,177	$33,633,723	$-69,090,622
Common Stock Payments	$-263,608	$-676,757	$-4,539,629	$-12,961,894
Net Issuance Payments Of Debt	$-618,869,379	$-196,372,163	$163,789,157	$-37,166,977
Net Long Term Debt Issuance	$-618,869,379	$-196,372,163	$163,789,157	$-37,166,977
Long Term Debt Payments	$-1,029,690,686	$-1,600,558,363	$-1,374,847,139	$-936,819,862
Long Term Debt Issuance	$410,821,308	$1,404,186,200	$1,538,636,296	$899,652,886
Net Investment Purchase And Sale	$3,471,823	$27,187,181	$16,068,307	$60,621,121
Sale Of Investment	$108,041,692	$163,579,067	$440,385,039	$1,331,544,293
Purchase Of Investment	$-104,569,869	$-136,391,886	$-424,316,732	$-1,270,923,172
Net PPE Purchase And Sale	$-461,320	$-1,052,009	$-16,930,843	$-13,248,599
Sale Of PPE	$66,073	$123,290	$5,755	$47,264
Purchase Of PPE	$-527,394	$-1,175,298	$-16,936,598	$-13,295,863
Change In Working Capital	$-56,780,639	$-56,549,119	$11,395,385	$-48,876,654
Change In Other Working Capital	$19,497,693	$-5,457,175	$-23,669,506	$-23,212,101
Change In Other Current Liabilities	$-34,936,086	$-15,017,469	$32,826,878	$-934,330
Change In Other Current Assets	$-41,342,246	$-36,074,475	$2,238,014	$-24,730,223
Other Non Cash Items	$89,555,692	$149,651,147	$188,294,796	$142,671,430
Stock Based Compensation	$0	$2,203,697	$1,111,919	$854,093
Unrealized Gain Loss On Investment Securities	$0	$0	$852,739	$53,671
Deferred Tax	$-26,612,390	$-5,627,233	$-2,439,602	$-19,807,631
Deferred Income Tax	$-26,612,390	$-5,627,233	$-2,439,602	$-19,807,631
Depreciation Amortization Depletion	$2,363,478	$1,707,054	$259,297	$331,960
Depreciation And Amortization	$2,363,478	$1,707,054	$259,297	$331,960
Gain Loss On Investment Securities	$143,731	$-610,149	$225,444	$0
Net Foreign Currency Exchange Gain Loss	$-838,986	$-877,719	$-530,955	$-1,087,925
Gain Loss On Sale Of PPE	$0	$-5,852	$21,839	$4,547
Net Income From Continuing Operations	$-69,577,714	$5,588,836	$24,349,189	$20,020,325
Net Business Purchase And Sale	-	$0	$0	$7,395,684
Sale Of Business	-	$0	$0	$7,395,684
Amortization Cash Flow	-	-	$76,753	-
Amortization Of Intangibles	-	-	$76,753	-
Depreciation	-	-	$182,545	-

Fetched: 2026-06-18