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CNFinance(NYSE) CNF

Market Cap$15.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2018)-97%
5 Year-95%
1 Year-69%
1 Month-20%
$2.30
+1.77%
+0.04Today
CNFinance last closing stock price
MetricPriceDate
Last closeUSD 2.262026-08-06
CNFinance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.73%USD 2.202026-07-30
1 month-20%USD 2.832026-07-07
3 month-25.9%USD 3.052026-05-08
Year to date-62.64%USD 6.052025-12-31
1 year-69%USD 7.292025-08-06
3 year-92.54%USD 30.302023-08-07
5 year-94.67%USD 42.402021-08-06
Since inception-97.03%USD 76.002018-11-07

CNFinance Financials at a Glance

Market Cap

$15.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

-CN¥401.75M

Net Income (TTM)

-CN¥470.39M

EPS (TTM)

-$9.61

P/E Ratio

-0.24

Dividend

$0.00

Beta (Volatility)

0.35 (Low)

Price

$2.30

Volume

3,420

Open

$2.10

Previous Close

$2.26

Daily Range

$2.10 - $2.25

52-Week Range

$2.04 - $7.14

Estimated Earnings Date

Aug 27, 2026

CNF News

No articles available.

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About CNFinance

CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions for micro and small enterprises and acts as a loan origination agent for other financial entities.

Products and Services
  • Home equity financing solutions for homeowners
  • Microcredit services tailored for small business owners
  • Bridge financing for clients needing short-term loans
Growth Outlook
  • Established a network of 63 branches across 50 cities in China
  • Continued expansion in the Pearl River Delta and Yangtze River Delta regions
  • Focus on increasing market share in the growing financial services sector
Financial Highlights
  • Recent quarterly revenue of -244.9 million CNY, indicating challenges
  • Trailing twelve months (TTM) net income margin of -1.17%, reflecting operational difficulties
  • Cash and cash equivalents of 791.9 million CNY as of Q4 2025, providing liquidity
CNFinance Holdings Limited has established itself as a key player in the financial services sector in China, particularly in home equity and microcredit financing. The company's extensive branch network positions it well for future growth, especially in economically vibrant regions. However, recent financial performance has shown challenges, with negative revenue and net income margins. Despite these hurdles, the company maintains a strong liquidity position, which may support its operational needs and potential recovery strategies. Investors may find CNFinance's focus on expanding its market presence and service offerings noteworthy as the company navigates its financial landscape.
AI Generated • Jul 21, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

326

CEO

Bin Zhai

Website

www.cashchina.cn

Headquarters

Guangzhou, GD 510620, CN

CNF Financials

Key Financial Metrics (TTM)

Gross Margin

100.00%

Operating Margin

127.07%

Net Income Margin

117.08%

Return on Equity

-12.36%

Return on Capital

-0.90%

Return on Assets

-4.59%

Earnings Yield

-4.17%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$15.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.86M

Volume

3.42K

Avg. Volume

16.92K

Financials (TTM)

Gross Profit

-CN¥401.75M

Operating Income

-CN¥510.53M

EBITDA

CN¥0.00

Operating Cash Flow

CN¥0.00

Capital Expenditure

CN¥0.00

Free Cash Flow

CN¥0.00

Cash & ST Invst.

CN¥820.25M

Total Debt

CN¥3.45B

CNFinance Performance Analysis

CNFinance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31CNY 275,512,58529.1%
20232023-12-31CNY 260,076,483-5.6%
20242024-12-31CNY 222,415,555-14.5%
20252025-12-31CNY 89,515,599-59.8%
CNFinance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-03-31-67.6%
Q22025-06-30N/A
Q32025-09-30-656.2%
Q42025-12-31N/A
CNFinance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31CNY 2.6398.2%
20232023-12-31CNY 3.2122.1%
20242024-12-31CNY 0.77-76.1%
20252025-12-31CNY -9.54N/A
CNFinance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-03-31-354.5%
Q22025-06-30N/A
Q32025-09-30-925.7%
Q42025-12-31N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

-CN¥244.91M

-280.2%

Gross Profit

-CN¥244.91M

-280.2%

Gross Margin

100.00%

N/A

Market Cap

$15.50MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$47.54K

N/A

Employees

326

N/A

Net Income

-CN¥215.01M

-4134.4%

EBITDA

CN¥0.00

N/A

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

CN¥820.25M

-54.3%

Total Debt

CN¥3.45B

-42.0%

Accounts Receivable

CN¥82.47M

-91.8%

Inventory

CN¥0.00

N/A

Long Term Debt

CN¥230.91M

-61.5%

Short Term Debt

CN¥3.22B

-39.9%

Return on Assets

-4.59%

N/A

Return on Invested Capital

-7.66%

N/A

Free Cash Flow

CN¥0.00

N/A

Operating Cash Flow

CN¥0.00

N/A

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Questions About CNF

What is the current price of CNFinance?

CNFinance is trading at $2.16 per share.

What is the 52-week range for CNFinance?

Over the past 52 weeks, CNFinance has traded between $2.04 and $7.14.

How much debt does CNFinance have?

As of the most recent reporting period, CNFinance reported total debt of CN¥603.10M.

How much cash does CNFinance have on hand?

CNFinance reported CN¥48.39M in cash and cash equivalents in its most recent financial results.

What is CNFinance’s dividend yield?

CNFinance does not currently have a dividend yield.

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