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CNFinance Holdings Limited logo

CNFinance Holdings Limited

CNF

NYSEFinancial ServicesFinancial - Mortgages

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Previous close

$2.2201

−$0.0299 · -1.33%

Aug 21, 3:09 PM ET

CNF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

47

Fair Value

Momentum

27

Weakening

Sentiment

55

Mixed

Risk resilience

37

High Risk

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Company profile

Company website

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 specifically designed for owners of micro and small enterprises, and functions as a loan origination agent for other financial entities. Additionally, it provides bridge financing, which consists of unsecured, short-term loans intended to help clients repay existing debts secured by real property. Established in 1999 and headquartered in Guangzhou, CNFinance maintains a significant operational presence, with a network of 63 branches and sub-branches spread across approximately 50 cities in China. This network includes 14 locations within the Pearl River Delta region, 7 in the Yangtze River Delta region, and an additional 42 facilities in other parts of the country.

Industry
Financial - Mortgages
Sector
Financial Services
Headquarters
CN
CEO
Zhai Bin
Listed since
Nov 7, 2018
Employees
326

Market position

Day range

Current $2.2201

52-week range

Current $2.2201

Open
$2.29
Previous close
$2.25
Volume
21.38K
1.6× average
Average volume
13.39K
Average daily volume
Market cap
6.65M USD
Beta
-0.16
Market reference 1
50-day average
$2.5818
-14.01% below average
200-day average
$4.0902
-45.72% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
-0.01×
P/B (TTM)
0×
P/S (TTM)
-0.11×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
100.00%
Operating margin
127.07%
Net margin
117.08%

Financial health

Debt / equity
0.96×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%39%-25%-89%Gross margin, FY2021: 65.63%Gross margin, FY2022: 45.65%Gross margin, FY2023: 54.18%Gross margin, FY2024: 51.77%Gross margin, FY2025: 86.95%Operating margin, FY2021: 6.83%Operating margin, FY2022: 9.36%Operating margin, FY2023: 11.19%Operating margin, FY2024: 3.02%Operating margin, FY2025: -11.23%Net margin, FY2021: 4.75%Net margin, FY2022: 7.34%Net margin, FY2023: 8.96%Net margin, FY2024: 2.36%Net margin, FY2025: -73.10%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 65.63%. Gross margin FY2022 45.65%. Gross margin FY2023 54.18%. Gross margin FY2024 51.77%. Gross margin FY2025 86.95%. Operating margin FY2021 6.83%. Operating margin FY2022 9.36%. Operating margin FY2023 11.19%. Operating margin FY2024 3.02%. Operating margin FY2025 -11.23%. Net margin FY2021 4.75%. Net margin FY2022 7.34%. Net margin FY2023 8.96%. Net margin FY2024 2.36%. Net margin FY2025 -73.10%.

Income trends

Revenue

625.95M USD-60.88%

Operating income

−70.26M USD−118.55M USD

Net income

−457.58M USD−495.36M USD
Income trends across reported periods2.07B USD1.15B USD232.98M USD−687.77M USDRevenue, FY2021: 1.37B USDRevenue, FY2022: 1.84B USDRevenue, FY2023: 1.84B USDRevenue, FY2024: 1.6B USDRevenue, FY2025: 625.95M USDOperating income, FY2021: 93.77M USDOperating income, FY2022: 172.58M USDOperating income, FY2023: 205.63M USDOperating income, FY2024: 48.29M USDOperating income, FY2025: −70.26M USDNet income, FY2021: 65.21M USDNet income, FY2022: 135.35M USDNet income, FY2023: 164.62M USDNet income, FY2024: 37.78M USDNet income, FY2025: −457.58M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.37B USD. Revenue FY2022 1.84B USD. Revenue FY2023 1.84B USD. Revenue FY2024 1.6B USD. Revenue FY2025 625.95M USD. Operating income FY2021 93.77M USD. Operating income FY2022 172.58M USD. Operating income FY2023 205.63M USD. Operating income FY2024 48.29M USD. Operating income FY2025 −70.26M USD. Net income FY2021 65.21M USD. Net income FY2022 135.35M USD. Net income FY2023 164.62M USD. Net income FY2024 37.78M USD. Net income FY2025 −457.58M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue625.95M USD1.6B USD1.84B USD1.84B USD1.37B USD
Cost of goods sold81.68M USD771.8M USD841.73M USD1B USD471.69M USD
Gross profit544.27M USD828.34M USD995.45M USD841.97M USD900.76M USD
Selling, general, and administrative161.12M USD453.78M USD625.41M USD573.49M USD703.15M USD
Operating expenses614.53M USD780.05M USD789.82M USD669.38M USD806.99M USD
Interest income560.1M USD1.54B USD1.75B USD1.73B USD1.81B USD
Interest expense497.92M USD794.52M USD723.08M USD784.78M USD775.57M USD
Depreciation and amortization15.54M USD11.54M USD1.75M USD2.24M USD3.82M USD
Operating income−70.26M USD48.29M USD205.63M USD172.58M USD93.77M USD
Net income−457.58M USD37.78M USD164.62M USD135.35M USD65.21M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
30%
3 beats, 7 misses, 0 met estimates
Average EPS surprise
-33169.01%
10 comparable reports
Latest EPS result
-0.88
Estimate 0 · Miss by 192400.77%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.79-2.44-5.67-8.91Q3 '24MissQ1 '25MissQ1 '25MissQ2 '25MissQ3 '25MissQ2 '26MissQ2 '26EstimateQ3 '26Estimate
Q3 2024, reported Aug 27, 2024: actual 0.006, estimate 0.01, surprise -45.00%, Miss. Q1 2025, reported Jan 1, 2025: actual -1.88, estimate 0.006, surprise -33102.28%, Miss. Q1 2025, reported Mar 27, 2025: actual -1.81, estimate 0.007, surprise -26492.26%, Miss. Q2 2025, reported Apr 30, 2025: actual -8.24, estimate 0.01, surprise -82504.00%, Miss. Q3 2025, reported Aug 28, 2025: actual -0.042, estimate 0.126, surprise -133.33%, Miss. Q2 2026, reported Apr 30, 2026: actual -0.88, estimate 0, surprise -192400.77%, Miss. Q2 2026, reported May 5, 2026: actual —, estimate 0.046, surprise —, Comparison unavailable. Q3 2026, reported Aug 27, 2026: actual —, estimate 0.029, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates163.56M92.47M21.37M-49.72MQ3 '24MissQ1 '25MissQ1 '25MissQ2 '25No estimateQ3 '25MissQ2 '26MissQ2 '26EstimateQ3 '26Estimate
Q3 2024, reported Aug 27, 2024: actual 66.87M USD, estimate 66.89M USD, surprise -0.04%, Miss. Q1 2025, reported Jan 1, 2025: actual 19.37M USD, estimate 71.21M USD, surprise -72.80%, Miss. Q1 2025, reported Mar 27, 2025: actual 18.62M USD, estimate 72.88M USD, surprise -74.46%, Miss. Q2 2025, reported Apr 30, 2025: actual 6.05M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 28, 2025: actual 58M USD, estimate 148.85M USD, surprise -61.03%, Miss. Q2 2026, reported Apr 30, 2026: actual -35.01M USD, estimate 61.43M USD, surprise -156.99%, Miss. Q2 2026, reported May 5, 2026: actual —, estimate 67.51M USD, surprise —, Comparison unavailable. Q3 2026, reported Aug 27, 2026: actual —, estimate 61.55M USD, surprise —, Comparison unavailable.

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