Symbols / CNF Stock $3.14 +5.02% CNFinance Holdings Limited

Financial Services • Mortgage Finance • China • NYQ
CNF (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Mortgage Finance
CEO Mr. Zhai Bin
Exch · Country NYQ · China
Market Cap 52.93M
Enterprise Value 7.21B
Income -470.39M
Sales -401.75M
FCF (ttm) —
Book/sh 77.17
Cash/sh 0.25
Employees —
Insider 10d —
IPO Nov 07, 2018
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 309.30
PEG —
P/S -0.13
P/B 0.04
P/C —
EV/EBITDA —
EV/Sales -17.96
Quick Ratio 0.93
Current Ratio 2.23
Debt/Eq 96.40
LT Debt/Eq —
EPS (ttm) -10.05
EPS next Y 0.01
EPS Growth —
Revenue Growth —
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-01
Earnings (prior) 2026-05-01
ROA -3.72%
ROE -12.32%
ROIC —
Gross Margin 0.00%
Oper. Margin 113.46%
Profit Margin 0.00%
Shs Outstand 6.86M
Shs Float 1.21B
Insider Own 0.74%
Instit Own 17.94%
Short Float 0.02%
Short Ratio 0.08
Short Interest 572.00
52W High 8.80
vs 52W High -64.32%
52W Low 2.36
vs 52W Low 33.05%
Beta -0.24
Impl. Vol. —
Rel Volume 0.20
Avg Volume 5.68K
Volume 1.12K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $2.99
Price $3.14
Change 5.02%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$3.14
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$3.14
Low
—
High
—
Mean
—
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
135.76
-83.15%
805.62
-27.69%
1,114.10
+5.15%
1,059.52
Operating Revenue
135.76
-83.15%
805.62
-27.69%
1,114.10
+5.15%
1,059.52
Selling General And Administration
161.12
-64.49%
453.78
-27.44%
625.41
+9.05%
573.49
Selling And Marketing Expense
52.06
-80.47%
266.54
-32.24%
393.34
+11.35%
353.24
General And Administrative Expense
109.06
-41.76%
187.25
-19.31%
232.07
+5.37%
220.25
Salaries And Wages
95.35
-44.42%
171.55
-20.47%
215.70
+4.57%
206.28
Other Gand A
—
—
—
—
Reconciled Depreciation
15.98
+38.45%
11.54
+558.34%
1.75
-21.89%
2.24
Total Unusual Items
-19.20
+86.87%
-146.23
-119.23%
-66.70
-277.27%
-17.68
Total Unusual Items Excluding Goodwill
-19.20
+86.87%
-146.23
-119.23%
-66.70
-277.27%
-17.68
Special Income Charges
-19.20
+86.87%
-146.23
-119.23%
-66.70
-277.27%
-17.68
Other Special Charges
0.61
-96.77%
18.84
+911.85%
1.86
-75.86%
7.71
Write Off
18.59
-85.41%
127.39
+96.47%
64.84
+550.45%
9.97
Net Income
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Pretax Income
-584.10
-1309.60%
48.29
-76.52%
205.63
+19.15%
172.58
Net Interest Income
63.92
-91.41%
744.10
-27.85%
1,031.38
+9.04%
945.91
Interest Expense
511.87
-35.58%
794.52
+9.88%
723.08
-7.86%
784.78
Interest Income
575.78
-62.58%
1,538.62
-12.30%
1,754.46
+1.37%
1,730.68
Gain On Sale Of Security
3.17
+167.97%
-4.67
-530.50%
1.08
-88.74%
9.64
Tax Provision
-113.70
-1182.47%
10.50
-74.39%
41.02
+10.16%
37.23
Tax Rate For Calcs
0.00
-10.49%
0.00
+9.05%
0.00
-7.53%
0.00
Tax Effect Of Unusual Items
-3.74
+88.25%
-31.81
-139.08%
-13.30
-248.88%
-3.81
Net Income Including Noncontrolling Interests
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Net Income From Continuing Operation Net Minority Interest
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Net Income From Continuing And Discontinued Operation
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Net Income Continuous Operations
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Normalized Income
-454.93
-398.90%
152.20
-30.19%
218.01
+46.10%
149.22
Net Income Common Stockholders
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Diluted EPS
—
6.00
-72.73%
22.00
+22.22%
18.00
Basic EPS
—
6.00
-75.00%
24.00
+20.00%
20.00
Basic Average Shares
—
6.86
-0.01%
6.86
-0.41%
6.89
Diluted Average Shares
—
6.86
-8.34%
7.48
-2.22%
7.65
Diluted NI Availto Com Stockholders
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Depreciation Amortization Depletion Income Statement
15.98
+38.45%
11.54
+558.34%
1.75
-21.89%
2.24
Depreciation And Amortization In Income Statement
15.98
+38.45%
11.54
+558.34%
1.75
-21.89%
2.24
Other Non Interest Expense
53.29
-65.94%
156.44
+99.35%
78.48
+22.71%
63.95
Professional Expense And Contract Services Expense
3.78
-68.65%
12.06
-31.02%
17.48
+45.47%
12.02
Rent And Landing Fees
13.71
-12.64%
15.69
-4.11%
16.37
+17.18%
13.97
Rent Expense Supplemental
13.71
-12.64%
15.69
-4.11%
16.37
+17.18%
13.97
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
10,249.12
-31.80%
15,027.11
-8.17%
16,364.35
+13.00%
14,481.92
Cash And Cash Equivalents
791.85
-54.90%
1,755.87
-31.15%
2,550.19
+18.02%
2,160.75
Other Short Term Investments
28.40
-26.60%
38.70
-73.58%
146.49
-40.05%
244.34
Receivables
1,266.69
+26.26%
1,003.20
+75.33%
572.18
+127.59%
251.41
Accounts Receivable
82.47
-58.33%
197.93
-41.85%
340.40
+312.94%
82.43
Other Receivables
1,184.21
+47.06%
805.27
+247.43%
231.78
+37.17%
168.97
Prepaid Assets
82.43
-25.79%
111.08
-60.08%
278.26
+120.84%
126.00
Net PPE
189.46
-10.85%
212.53
+490.57%
35.99
+12.24%
32.06
Gross PPE
222.65
-7.93%
241.83
+258.21%
67.51
+0.43%
67.22
Accumulated Depreciation
-33.19
-13.24%
-29.31
+7.04%
-31.52
+10.34%
-35.16
Buildings And Improvements
183.78
+0.00%
183.78
0.00
—
Machinery Furniture Equipment
15.49
-0.21%
15.53
-23.88%
20.40
+12.26%
18.17
Other Properties
14.76
-47.87%
28.31
-8.46%
30.92
-3.82%
32.15
Leases
8.62
-39.38%
14.23
-12.15%
16.19
-4.21%
16.90
Goodwill And Other Intangible Assets
0.00
-100.00%
3.08
+2.24%
3.01
-13.56%
3.49
Other Intangible Assets
—
—
3.01
-13.56%
3.49
Investments And Advances
273.44
-2.38%
280.11
-38.04%
452.09
-20.36%
567.65
Total Liabilities Net Minority Interest
6,668.48
-39.21%
10,969.56
-11.22%
12,355.42
+17.18%
10,544.21
Payables And Accrued Expenses
317.31
-1.69%
322.76
-7.46%
348.79
+0.41%
347.36
Payables
316.22
+1.72%
310.89
-8.96%
341.48
+3.21%
330.87
Other Payable
45.94
-15.13%
54.13
-30.40%
77.77
+54.33%
50.39
Current Accrued Expenses
1.09
-90.82%
11.87
+62.40%
7.31
-55.67%
16.49
Employee Benefits
7.92
-48.37%
15.34
-40.24%
25.66
-18.90%
31.64
Total Tax Payable
269.21
+7.90%
249.50
+0.58%
248.07
-5.28%
261.89
Income Tax Payable
269.21
+7.90%
249.50
+0.58%
248.07
-5.28%
261.89
Current Debt And Capital Lease Obligation
454.46
-91.51%
5,354.88
-16.70%
6,428.35
—
Current Debt
454.46
-91.51%
5,354.88
-16.70%
6,428.35
—
Other Current Borrowings
454.46
-91.51%
5,354.88
-16.70%
6,428.35
—
Long Term Debt And Capital Lease Obligation
230.91
-61.50%
599.80
-67.43%
1,841.34
-76.26%
7,756.14
Long Term Debt
218.68
-62.19%
578.41
-68.14%
1,815.27
-76.51%
7,727.56
Long Term Capital Lease Obligation
12.24
-42.79%
21.39
-17.96%
26.07
-8.78%
28.58
Non Current Deferred Liabilities
140.71
+35.25%
104.04
-7.29%
112.22
+2.58%
109.40
Non Current Deferred Revenue
59.97
+95.88%
30.61
-22.77%
39.64
+11.21%
35.65
Non Current Deferred Taxes Liabilities
80.74
+9.96%
73.42
+1.16%
72.58
-1.59%
73.75
Stockholders Equity
3,580.64
-11.75%
4,057.56
+1.21%
4,008.93
+3.16%
3,885.99
Common Stock Equity
3,580.64
-11.75%
4,057.56
+1.21%
4,008.93
+3.16%
3,885.99
Capital Stock
0.92
+0.00%
0.92
+0.00%
0.92
+0.00%
0.92
Common Stock
0.92
+0.00%
0.92
+0.00%
0.92
+0.00%
0.92
Share Issued
1,559.58
+0.00%
1,559.58
+0.00%
1,559.58
+0.00%
1,559.58
Ordinary Shares Number
1,371.64
+0.00%
1,371.64
+0.00%
1,371.64
+0.00%
1,371.64
Treasury Shares Number
187.93
+0.00%
187.93
+0.00%
187.93
+0.00%
187.93
Additional Paid In Capital
1,046.62
+0.00%
1,046.62
+1.44%
1,031.72
+0.73%
1,024.20
Retained Earnings
2,671.35
-14.97%
3,141.74
+1.22%
3,103.96
+4.91%
2,958.72
Gains Losses Not Affecting Retained Earnings
-13.56
-53.74%
-8.82
+5.61%
-9.34
+8.49%
-10.21
Treasury Stock
124.68
+1.45%
122.90
+3.87%
118.32
+35.02%
87.63
Minority Interest
0.00
0.00
0.00
-100.00%
51.72
Other Equity Adjustments
-13.56
-53.74%
-8.82
+5.61%
-9.34
+8.49%
-10.21
Total Equity Gross Minority Interest
3,580.64
-11.75%
4,057.56
+1.21%
4,008.93
+1.81%
3,937.71
Total Capitalization
3,799.32
-18.05%
4,635.96
-20.40%
5,824.19
-49.85%
11,613.55
Invested Capital
4,253.78
-57.42%
9,990.85
-18.46%
12,252.54
+5.50%
11,613.55
Total Debt
685.38
-88.49%
5,954.68
-27.99%
8,269.69
+6.62%
7,756.14
Net Debt
—
4,177.42
-26.63%
5,693.43
+2.27%
5,566.81
Capital Lease Obligations
12.24
-42.79%
21.39
-17.96%
26.07
-8.78%
28.58
Net Tangible Assets
3,580.64
-11.69%
4,054.48
+1.21%
4,005.91
+3.18%
3,882.51
Tangible Book Value
3,580.64
-11.69%
4,054.48
+1.21%
4,005.91
+3.18%
3,882.51
Available For Sale Securities
39.16
-27.55%
54.05
-26.63%
73.68
+50.33%
49.01
Cash Cash Equivalents And Federal Funds Sold
791.85
-54.90%
1,755.87
-31.15%
2,550.19
+18.02%
2,160.75
Held To Maturity Securities
205.88
+9.89%
187.36
-19.22%
231.92
-15.45%
274.31
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
84.45
-88.85%
757.23
-55.61%
1,705.76
+85.56%
919.25
Cash Flow From Continuing Operating Activities
84.45
-88.85%
757.23
-55.61%
1,705.76
+85.56%
919.25
Net Income From Continuing Operations
-470.39
-1344.94%
37.78
-77.05%
164.62
+21.62%
135.35
Depreciation Amortization Depletion
15.98
+38.45%
11.54
+558.34%
1.75
-21.89%
2.24
Depreciation
—
—
1.23
—
Amortization Cash Flow
—
—
0.52
—
Depreciation And Amortization
15.98
+38.45%
11.54
+558.34%
1.75
-21.89%
2.24
Amortization Of Intangibles
—
—
0.52
—
Other Non Cash Items
605.46
-40.16%
1,011.75
-20.52%
1,273.00
+31.98%
964.56
Stock Based Compensation
0.00
-100.00%
14.90
+98.19%
7.52
+30.19%
5.77
Deferred Tax
-179.92
-372.92%
-38.04
-130.66%
-16.49
+87.68%
-133.91
Deferred Income Tax
-179.92
-372.92%
-38.04
-130.66%
-16.49
+87.68%
-133.91
Operating Gains Losses
16.27
+551.74%
-3.60
-123.58%
15.27
-58.98%
37.23
Gain Loss On Investment Securities
0.97
+123.56%
-4.13
-370.64%
1.52
0.00
Unrealized Gain Loss On Investment Securities
0.00
0.00
-100.00%
5.77
+1488.82%
0.36
Net Foreign Currency Exchange Gain Loss
-5.67
+4.41%
-5.93
-65.31%
-3.59
+51.20%
-7.36
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.04
-126.80%
0.15
+380.27%
0.03
Change In Working Capital
-383.88
-0.41%
-382.31
-596.25%
77.04
+123.31%
-330.44
Change In Other Working Capital
131.82
+457.29%
-36.89
+76.94%
-160.02
-1.97%
-156.93
Change In Other Current Assets
-279.50
-14.60%
-243.89
-1711.90%
15.13
+109.05%
-167.19
Change In Other Current Liabilities
-236.19
-132.64%
-101.53
-145.75%
221.93
+3613.41%
-6.32
Investing Cash Flow
3,273.87
+1341.67%
-263.67
+89.39%
-2,483.91
-126.18%
-1,098.20
Cash Flow From Continuing Investing Activities
3,273.87
+1341.67%
-263.67
+89.39%
-2,483.91
-126.18%
-1,098.20
Net PPE Purchase And Sale
-3.12
+56.15%
-7.11
+93.79%
-114.46
-27.79%
-89.57
Purchase Of PPE
-3.57
+55.13%
-7.95
+93.06%
-114.50
-27.38%
-89.89
Sale Of PPE
0.45
-46.41%
0.83
+2042.24%
0.04
-87.82%
0.32
Capital Expenditure
-3.57
+55.13%
-7.95
+93.06%
-114.50
-27.38%
-89.89
Net Investment Purchase And Sale
23.47
-87.23%
183.80
+69.20%
108.63
-73.49%
409.84
Purchase Of Investment
-706.97
+23.33%
-922.10
+67.86%
-2,868.68
+66.61%
-8,592.33
Sale Of Investment
730.44
-33.95%
1,105.91
-62.86%
2,977.31
-66.93%
9,002.17
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
50.00
Net Other Investing Changes
0.00
—
—
—
Financing Cash Flow
-4,185.77
-214.20%
-1,332.19
-232.48%
1,005.54
+448.96%
-288.16
Cash Flow From Continuing Financing Activities
-4,185.77
-214.20%
-1,332.19
-232.48%
1,005.54
+448.96%
-288.16
Net Issuance Payments Of Debt
-4,183.99
-215.15%
-1,327.61
-219.89%
1,107.33
+540.68%
-251.27
Issuance Of Debt
2,777.44
-70.74%
9,493.28
-8.74%
10,402.26
+71.03%
6,082.28
Repayment Of Debt
-6,961.43
+35.67%
-10,820.89
-16.42%
-9,294.93
-46.76%
-6,333.56
Long Term Debt Issuance
2,777.44
-70.74%
9,493.28
-8.74%
10,402.26
+71.03%
6,082.28
Long Term Debt Payments
-6,961.43
+35.67%
-10,820.89
-16.42%
-9,294.93
-46.76%
-6,333.56
Net Long Term Debt Issuance
-4,183.99
-215.15%
-1,327.61
-219.89%
1,107.33
+540.68%
-251.27
Net Common Stock Issuance
-1.78
+61.05%
-4.58
+85.09%
-30.69
+64.98%
-87.63
Common Stock Payments
-1.78
+61.05%
-4.58
+85.09%
-30.69
+64.98%
-87.63
Repurchase Of Capital Stock
-1.78
+61.05%
-4.58
+85.09%
-30.69
+64.98%
-87.63
Net Other Financing Charges
—
—
-71.10
-240.09%
50.75
Changes In Cash
-827.46
+1.33%
-838.63
-468.81%
227.39
+148.68%
-467.10
Effect Of Exchange Rate Changes
-4.74
-163.97%
7.41
+264.84%
2.03
-74.12%
7.85
Beginning Cash Position
1,170.39
-41.53%
2,001.60
+12.95%
1,772.18
-20.58%
2,231.44
End Cash Position
338.19
-71.10%
1,170.39
-41.53%
2,001.60
+12.95%
1,772.18
Free Cash Flow
80.88
-89.21%
749.28
-52.91%
1,591.26
+91.86%
829.36
Interest Paid Supplemental Data
469.99
-39.46%
776.33
+6.89%
726.29
-8.39%
792.79
Income Tax Paid Supplemental Data
4.64
-83.25%
27.70
-56.34%
63.46
-54.41%
139.21
Sale Of Business
—
0.00
0.00
-100.00%
50.00
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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