CNFinance Holdings Limited(CNF)Earnings, Financials & Key Ratios
CNF•NYSE
$2.73
Price updated Jul 7, 2026
AboutCNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates a network of 63 branches and sub-branches, which included 14 branches and sub-branches in the Pearl River Delta region, 7 branches and sub-branches in the Yangtze River Delta region, and 42 branches and sub-branches in other areas in approximately 50 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.Show more
- EBITDA-$55M-191.5%
- Net Income-$458M-1311.0%
- EPS (Diluted)-1334.20-12229.1%
- Gross Margin86.95%+68.0%
- EBITDA Margin-8.74%-333.8%
- Operating Margin-11.23%-472.0%
- Net Margin-73.1%-3195.8%
- ROE-11.98%-1378.6%
CNF Price & Volume
CNFinance Holdings Limited (CNF) stock price & volume — 10-year historical chart
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Severe Revenue Contraction Signals Structural Business Erosion
Investment Thesis • Updated 2025Q2
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Collateral Liquidity and Solvency
Key Thesis Takeaways
- CNFinance faces a precarious outlook as its core mortgage-backed lending model struggles with a 91% revenue decline from $493.6 million in 2023Q1 to $44.0 million in 2025Q2.
- The firm's inability to maintain profitability, evidenced by a shift to a $20.2 million net loss in 2025Q2, suggests that its high-fixed-cost structure is fundamentally misaligned with current market volumes.
- Investors should remain cautious given the lack of transparent cash flow generation and a deteriorating liquidity profile that threatens long-term solvency.
Verdict Logic
the firm's inability to generate positive free cash flow and its reliance on a debt-to-equity ratio of 1.32 in a contracting market present significant risks to capital preservation.
CNF Growth Metrics
CNFinance Holdings Limited (CNF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-19.35%
3 Years-30.25%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-142.3%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-506.67%
Return on Capital
10 Years2.89%
5 Years0.66%
3 Years0.46%
Last Year-0.94%
Peers Comparison
Key metrics vs top competitors for CNFinance Holdings Limited (CNF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $2.73 | $918.46K | -0.01 | -60.88% | -73.1% | -11.98% | — | |
| $14.51 | $1.89B | 1.15 | 8.83% | 33.86% | 24.95% | — | |
| $4.71 | $1.17B | 3.42 | 1.03% | 18.75% | 6.05% | — | |
| $1.85 | $312.03M | 1.37 | -9.94% | 11.52% | 14.68% | — | |
| $2.06 | $320.43M | 17.17 | 65.83% | 2.14% | 4.07% | — | |
| $81.11 | $4.23B | 8.72 | 173.81% | 14.31% | 12.02% | — |
Compare CNF vs Peers
CNFinance Holdings Limited (CNF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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CNF Frequently Asked Questions
CNFinance Holdings Limited (CNF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is CNFinance Holdings Limited's revenue?
CNFinance Holdings Limited (CNF) reported $359.9M in revenue for fiscal year 2025.
How fast is CNFinance Holdings Limited growing?
CNFinance Holdings Limited (CNF) saw revenue decline by 60.9% over the past year.
Is CNF profitable?
CNFinance Holdings Limited (CNF) reported a net loss of $50.5M for fiscal year 2025.
Dividend & Returns
What is CNF's return on equity?
CNFinance Holdings Limited (CNF) has a return on equity (ROE) of -12.0%. Negative ROE indicates the company is unprofitable.
What is CNFinance Holdings Limited's free cash flow?
CNFinance Holdings Limited (CNF) generated $78.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.