Symbols / CNF Stock $3.43 +0.00% CNFinance Holdings Limited

Financial Services • Mortgage Finance • China • NYQ
CNF (Stock) Chart
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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.

Stock Fundamentals
Scroll to Statements
Market Cap 23.52M Enterprise Value 9.21B Income -50.53M Sales 359.92M Book/sh 86.15 Cash/sh 0.59
Dividend Yield — Payout 0.00% Employees 691 IPO — P/E — Forward P/E 337.87
PEG — P/S 0.07 P/B 0.04 P/C — EV/EBITDA — EV/Sales 25.59
Quick Ratio 2.02 Current Ratio 3.59 Debt/Eq 131.82 LT Debt/Eq — EPS (ttm) -0.71 EPS next Y 0.01
EPS Growth — Revenue Growth -75.10% Earnings 2026-04-29 ROA -0.34% ROE -1.25% ROIC —
Gross Margin 60.37% Oper. Margin -60.60% Profit Margin -14.04% Shs Outstand 6.86M Shs Float 976.93M Short Float —
Short Ratio 0.46 Short Interest — 52W High 9.60 52W Low 2.36 Beta -0.03 Avg Volume 4.67K
Volume 231.00 Target Price — Recom None Prev Close $3.43 Price $3.43 Change 0.00%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$3.43
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$3.43
Low
—
High
—
Mean
—
News
RSS: Latest CNF news
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 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
805.62
-27.69%
1,114.10
+5.15%
1,059.52
+77.51%
596.89
Operating Revenue
805.62
-27.69%
1,114.10
+5.15%
1,059.52
+77.51%
596.89
Selling General And Administration
453.78
-27.44%
625.41
+9.05%
573.49
-18.44%
703.15
Selling And Marketing Expense
266.54
-32.24%
393.34
+11.35%
353.24
-22.35%
454.91
General And Administrative Expense
187.25
-19.31%
232.07
+5.37%
220.25
-11.28%
248.24
Salaries And Wages
171.55
-20.47%
215.70
+4.57%
206.28
-11.65%
233.48
Other Gand A
—
—
—
25.37
Reconciled Depreciation
11.54
+558.34%
1.75
-21.89%
2.24
-41.28%
3.82
Total Unusual Items
-146.23
-119.23%
-66.70
-277.27%
-17.68
+7.08%
-19.03
Total Unusual Items Excluding Goodwill
-146.23
-119.23%
-66.70
-277.27%
-17.68
+7.08%
-19.03
Special Income Charges
-146.23
-119.23%
-66.70
-277.27%
-17.68
+7.08%
-19.03
Other Special Charges
18.84
+911.85%
1.86
-75.86%
7.71
-59.47%
19.03
Write Off
127.39
+96.47%
64.84
+550.45%
9.97
0.00
Net Income
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Pretax Income
48.29
-76.52%
205.63
+19.15%
172.58
+84.06%
93.77
Net Interest Income
744.10
-27.85%
1,031.38
+9.04%
945.91
-8.14%
1,029.76
Interest Expense
794.52
+9.88%
723.08
-7.86%
784.78
+1.19%
775.57
Interest Income
1,538.62
-12.30%
1,754.46
+1.37%
1,730.68
-4.13%
1,805.33
Gain On Sale Of Security
-4.67
-530.50%
1.08
-88.74%
9.64
-35.18%
14.87
Tax Provision
10.50
-74.39%
41.02
+10.16%
37.23
+30.38%
28.56
Tax Rate For Calcs
0.00
+8.97%
0.00
-7.51%
0.00
-29.19%
0.00
Tax Effect Of Unusual Items
-31.79
-138.90%
-13.31
-248.94%
-3.81
+34.20%
-5.80
Net Income Including Noncontrolling Interests
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Net Income From Continuing Operation Net Minority Interest
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Net Income From Continuing And Discontinued Operation
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Net Income Continuous Operations
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Normalized Income
152.22
-30.18%
218.01
+46.10%
149.22
+90.24%
78.44
Net Income Common Stockholders
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Diluted EPS
6.00
-72.73%
22.00
+22.22%
18.00
-90.00%
180.00
Basic EPS
6.00
-75.00%
24.00
+20.00%
20.00
-89.47%
190.00
Basic Average Shares
6.86
-0.01%
6.86
-0.41%
6.89
+0.42%
6.86
Diluted Average Shares
6.86
-8.34%
7.48
-2.22%
7.65
+11.58%
6.86
Diluted NI Availto Com Stockholders
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Depreciation Amortization Depletion Income Statement
11.54
+558.34%
1.75
-21.89%
2.24
-41.28%
3.82
Depreciation And Amortization In Income Statement
11.54
+558.34%
1.75
-21.89%
2.24
-41.28%
3.82
Other Non Interest Expense
156.44
+99.35%
78.48
+22.71%
63.95
-10.76%
71.66
Professional Expense And Contract Services Expense
12.06
-31.02%
17.48
+45.47%
12.02
+28.78%
9.33
Rent And Landing Fees
15.69
-4.11%
16.37
+17.18%
13.97
-5.40%
14.76
Rent Expense Supplemental
15.69
-4.11%
16.37
+17.18%
13.97
-5.40%
14.76
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Assets
15,027.11
-8.17%
16,364.35
+13.00%
14,481.92
+0.67%
14,386.17
Cash And Cash Equivalents
1,755.87
-31.15%
2,550.19
+18.02%
2,160.75
-9.53%
2,388.39
Other Short Term Investments
38.70
-73.58%
146.49
-40.05%
244.34
-77.54%
1,088.04
Receivables
1,003.20
+75.33%
572.18
+127.59%
251.41
-7.59%
272.07
Accounts Receivable
197.93
-41.85%
340.40
+312.94%
82.43
-58.20%
197.23
Other Receivables
805.27
+247.43%
231.78
+37.17%
168.97
+125.78%
74.84
Prepaid Assets
111.08
-60.08%
278.26
+120.84%
126.00
+269.85%
34.07
Net PPE
212.53
+490.57%
35.99
+12.24%
32.06
+66.65%
19.24
Gross PPE
241.83
+258.21%
67.51
+0.43%
67.22
+25.68%
53.49
Accumulated Depreciation
-29.31
+7.04%
-31.52
+10.34%
-35.16
-2.66%
-34.25
Buildings And Improvements
183.78
0.00
—
—
Machinery Furniture Equipment
15.53
-23.88%
20.40
+12.26%
18.17
+0.60%
18.06
Other Properties
28.31
-8.46%
30.92
-3.82%
32.15
+76.17%
18.25
Leases
14.23
-12.15%
16.19
-4.21%
16.90
-1.60%
17.18
Goodwill And Other Intangible Assets
3.08
+2.24%
3.01
-13.56%
3.49
-13.01%
4.01
Other Intangible Assets
—
3.01
-13.56%
3.49
-13.01%
4.01
Investments And Advances
280.11
-38.04%
452.09
-20.36%
567.65
-48.95%
1,112.05
Total Liabilities Net Minority Interest
10,969.56
-11.22%
12,355.42
+17.18%
10,544.21
-0.22%
10,567.88
Payables And Accrued Expenses
322.76
-7.46%
348.79
+0.41%
347.36
-31.56%
507.57
Payables
310.89
-8.96%
341.48
+3.21%
330.87
-34.06%
501.79
Other Payable
54.13
-30.40%
77.77
+54.33%
50.39
-15.38%
59.55
Current Accrued Expenses
11.87
+62.40%
7.31
-55.67%
16.49
+185.55%
5.77
Employee Benefits
15.34
-40.24%
25.66
-18.90%
31.64
+30.63%
24.22
Total Tax Payable
249.50
+0.58%
248.07
-5.28%
261.89
+16.03%
225.71
Income Tax Payable
249.50
+0.58%
248.07
-5.28%
261.89
+16.03%
225.71
Current Debt And Capital Lease Obligation
5,354.88
-16.70%
6,428.35
—
—
Current Debt
5,354.88
-16.70%
6,428.35
—
—
Other Current Borrowings
5,354.88
-16.70%
6,428.35
—
—
Long Term Debt And Capital Lease Obligation
599.80
-67.43%
1,841.34
-76.26%
7,756.14
-3.74%
8,057.41
Long Term Debt
578.41
-68.14%
1,815.27
-76.51%
7,727.56
-3.91%
8,041.89
Long Term Capital Lease Obligation
21.39
-17.96%
26.07
-8.78%
28.58
+84.16%
15.52
Non Current Deferred Liabilities
104.04
-7.29%
112.22
+2.58%
109.40
-46.62%
204.95
Non Current Deferred Revenue
30.61
-22.77%
39.64
+11.21%
35.65
-32.90%
53.13
Non Current Deferred Taxes Liabilities
73.42
+1.16%
72.58
-1.59%
73.75
-51.42%
151.83
Stockholders Equity
4,057.56
+1.21%
4,008.93
+3.16%
3,885.99
+1.77%
3,818.29
Common Stock Equity
4,057.56
+1.21%
4,008.93
+3.16%
3,885.99
+1.77%
3,818.29
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
+1.44%
1,031.72
+0.73%
1,024.20
+0.57%
1,018.43
Retained Earnings
3,141.74
+1.22%
3,103.96
+4.91%
2,958.72
+4.76%
2,824.34
Gains Losses Not Affecting Retained Earnings
-8.82
+5.61%
-9.34
+8.49%
-10.21
+59.79%
-25.39
Treasury Stock
122.90
+3.87%
118.32
+35.02%
87.63
0.00
Minority Interest
0.00
0.00
-100.00%
51.72
0.00
Other Equity Adjustments
-8.82
+5.61%
-9.34
+8.49%
-10.21
+59.79%
-25.39
Total Equity Gross Minority Interest
4,057.56
+1.21%
4,008.93
+1.81%
3,937.71
+3.13%
3,818.29
Total Capitalization
4,635.96
-20.40%
5,824.19
-49.85%
11,613.55
-2.08%
11,860.18
Invested Capital
9,990.85
-18.46%
12,252.54
+5.50%
11,613.55
-2.08%
11,860.18
Total Debt
5,954.68
-27.99%
8,269.69
+6.62%
7,756.14
-3.74%
8,057.41
Net Debt
4,177.42
-26.63%
5,693.43
+2.27%
5,566.81
-1.53%
5,653.50
Capital Lease Obligations
21.39
-17.96%
26.07
-8.78%
28.58
+84.16%
15.52
Net Tangible Assets
4,054.48
+1.21%
4,005.91
+3.18%
3,882.51
+1.79%
3,814.28
Tangible Book Value
4,054.48
+1.21%
4,005.91
+3.18%
3,882.51
+1.79%
3,814.28
Available For Sale Securities
54.05
-26.63%
73.68
+50.33%
49.01
-95.59%
1,112.05
Cash Cash Equivalents And Federal Funds Sold
1,755.87
-31.15%
2,550.19
+18.02%
2,160.75
-9.53%
2,388.39
Held To Maturity Securities
187.36
-19.22%
231.92
-15.45%
274.31
—
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
757.23
-55.61%
1,705.76
+85.56%
919.25
+33.28%
689.69
Cash Flow From Continuing Operating Activities
757.23
-55.61%
1,705.76
+85.56%
919.25
+33.28%
689.69
Net Income From Continuing Operations
37.78
-77.05%
164.62
+21.62%
135.35
+107.57%
65.21
Depreciation Amortization Depletion
11.54
+558.34%
1.75
-21.89%
2.24
-41.28%
3.82
Depreciation
—
1.23
—
—
Amortization Cash Flow
—
0.52
—
—
Depreciation And Amortization
11.54
+558.34%
1.75
-21.89%
2.24
-41.28%
3.82
Amortization Of Intangibles
—
0.52
—
—
Other Non Cash Items
1,011.75
-20.52%
1,273.00
+31.98%
964.56
+74.42%
553.00
Stock Based Compensation
14.90
+98.19%
7.52
+30.19%
5.77
-69.23%
18.77
Deferred Tax
-38.04
-130.66%
-16.49
+87.68%
-133.91
+29.52%
-190.01
Deferred Income Tax
-38.04
-130.66%
-16.49
+87.68%
-133.91
+29.52%
-190.01
Operating Gains Losses
-3.60
-123.58%
15.27
-58.98%
37.23
-92.23%
479.13
Gain Loss On Investment Securities
-4.13
-370.64%
1.52
0.00
0.00
Unrealized Gain Loss On Investment Securities
0.00
-100.00%
5.77
+1488.82%
0.36
+132.94%
-1.10
Net Foreign Currency Exchange Gain Loss
-5.93
-65.31%
-3.59
+51.20%
-7.36
-835.67%
-0.79
Gain Loss On Sale Of PPE
-0.04
-126.80%
0.15
+380.27%
0.03
-90.63%
0.33
Change In Working Capital
-382.31
-596.25%
77.04
+123.31%
-330.44
-656.74%
59.35
Change In Other Working Capital
-36.89
+76.94%
-160.02
-1.97%
-156.93
-33.46%
-117.58
Change In Other Current Assets
-243.89
-1711.90%
15.13
+109.05%
-167.19
-441.51%
-30.88
Change In Other Current Liabilities
-101.53
-145.75%
221.93
+3613.41%
-6.32
-103.04%
207.81
Investing Cash Flow
-263.67
+89.39%
-2,483.91
-126.18%
-1,098.20
+53.28%
-2,350.56
Cash Flow From Continuing Investing Activities
-263.67
+89.39%
-2,483.91
-126.18%
-1,098.20
+53.28%
-2,350.56
Net PPE Purchase And Sale
-7.11
+93.79%
-114.46
-27.79%
-89.57
-2651.68%
-3.26
Purchase Of PPE
-7.95
+93.06%
-114.50
-27.38%
-89.89
-2261.93%
-3.81
Sale Of PPE
0.83
+2042.24%
0.04
-87.82%
0.32
-41.97%
0.55
Capital Expenditure
-7.95
+93.06%
-114.50
-27.38%
-89.89
-2261.93%
-3.81
Net Investment Purchase And Sale
183.80
+69.20%
108.63
-73.49%
409.84
+177.36%
-529.81
Purchase Of Investment
-922.10
+67.86%
-2,868.68
+66.61%
-8,592.33
+9.52%
-9,496.28
Sale Of Investment
1,105.91
-62.86%
2,977.31
-66.93%
9,002.17
+0.40%
8,966.47
Net Business Purchase And Sale
0.00
0.00
-100.00%
50.00
0.00
Financing Cash Flow
-1,332.19
-232.48%
1,005.54
+448.96%
-288.16
-114.91%
1,932.58
Cash Flow From Continuing Financing Activities
-1,332.19
-232.48%
1,005.54
+448.96%
-288.16
-114.91%
1,932.58
Net Issuance Payments Of Debt
-1,327.61
-219.89%
1,107.33
+540.68%
-251.27
-113.00%
1,932.58
Issuance Of Debt
9,493.28
-8.74%
10,402.26
+71.03%
6,082.28
-13.95%
7,068.02
Repayment Of Debt
-10,820.89
-16.42%
-9,294.93
-46.76%
-6,333.56
-23.33%
-5,135.44
Long Term Debt Issuance
9,493.28
-8.74%
10,402.26
+71.03%
6,082.28
-13.95%
7,068.02
Long Term Debt Payments
-10,820.89
-16.42%
-9,294.93
-46.76%
-6,333.56
-23.33%
-5,135.44
Net Long Term Debt Issuance
-1,327.61
-219.89%
1,107.33
+540.68%
-251.27
-113.00%
1,932.58
Net Common Stock Issuance
-4.58
+85.09%
-30.69
+64.98%
-87.63
0.00
Common Stock Payments
-4.58
+85.09%
-30.69
+64.98%
-87.63
0.00
Repurchase Of Capital Stock
-4.58
+85.09%
-30.69
+64.98%
-87.63
0.00
Net Other Financing Charges
—
-71.10
-240.09%
50.75
—
Changes In Cash
-838.63
-468.81%
227.39
+148.68%
-467.10
-271.91%
271.71
Effect Of Exchange Rate Changes
7.41
+264.84%
2.03
-74.12%
7.85
+757.46%
-1.19
Beginning Cash Position
2,001.60
+12.95%
1,772.18
-20.58%
2,231.44
+13.80%
1,960.92
End Cash Position
1,170.39
-41.53%
2,001.60
+12.95%
1,772.18
-20.58%
2,231.44
Free Cash Flow
749.28
-52.91%
1,591.26
+91.86%
829.36
+20.92%
685.89
Interest Paid Supplemental Data
776.33
+6.89%
726.29
-8.39%
792.79
-4.80%
832.74
Income Tax Paid Supplemental Data
27.70
-56.34%
63.46
-54.41%
139.21
-9.31%
153.49
Sale Of Business
0.00
0.00
-100.00%
50.00
0.00
SEC Filings

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