CNFinance Holdings (CNF) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 27, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2025, filed Apr 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CNF SEC filings page.
CNFinance Holdings Limited (CNF) reported $16.0M in revenue for fiscal year 2025, down 83.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of CNFinance Holdings Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
CNFinance Holdings Limited's reported operating margin for fiscal year 2025 is below the lowest share of revenue this page publishes, so the figure is not shown here. This dimension scores 17/100.
CNFinance Holdings Limited's revenue declined 83.6% year-over-year, from $97.1M to $16.0M. This contraction results in a growth score of 1/100.
CNFinance Holdings Limited carries a low D/E ratio of 0.06, meaning only $0.06 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 84/100, indicating a strong balance sheet with room for future borrowing.
Not available for CNFinance Holdings Limited, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
CNFinance Holdings Limited converts 72.4% of revenue into free cash flow ($11.6M). This strong cash generation earns a score of 100/100.
Not available for CNFinance Holdings Limited, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
CNFinance Holdings Limited passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.
CNFinance Holdings Limited reported a net loss of $67.3M while generating $12.1M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
CNFinance Holdings Limited reported an operating loss of $26.1M against $73.2M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
CNFinance Holdings Limited generated $16.0M in revenue in fiscal year 2025. This represents a decrease of 83.6% from the prior year.
CNFinance Holdings Limited's EBITDA was -$23.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. The change from the prior year is not meaningful, because that figure was zero or negative.
CNFinance Holdings Limited reported a net loss of $67.3M in fiscal year 2025. This represents a decrease of 1399.5% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
CNFinance Holdings Limited generated $11.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 88.7% from the prior year.
CNFinance Holdings Limited held $48.4M in cash against $29.4M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
CNFinance Holdings Limited's ROE was -13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 14.1 percentage points from the prior year.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not shown for fiscal year 2025: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
CNFinance Holdings Limited invested $542K in research and development in fiscal year 2025. This represents an increase of 291.6% from the prior year.
CNFinance Holdings Limited spent $255K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 59.3% from the prior year.
CNFinance Holdings Limited invested $510K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 53.2% from the prior year.
CNF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.0M-83.6% | $97.1M-32.8% | $144.5M-1.6% | $146.8M+55.4% | $94.4M-45.6% | $173.7M-32.4% | $256.9M-24.4% | $340.1M+9.9% | $309.4M+147.7% | $124.9M |
| R&D Expenses | $542K+291.6% | $138K-45.2% | $252K+128.9% | $110K-56.1% | $251K-83.5% | $1.5M+337.3% | $349K+69.0% | $207K-72.0% | $737K-39.9% | $1.2M |
| Operating Income | -$26.1Mn/m | -$54.8Mn/m | -$53.7Mn/m | -$49.1Mn/m | -$59.8M | N/A | N/A | N/A | N/A | N/A |
| EBITDA | -$23.9Mn/m | -$53.2Mn/m | -$53.5Mn/m | -$48.8Mn/m | -$59.2M | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $73.2M-32.8% | $108.8M+6.9% | $101.8M-10.5% | $113.8M-6.5% | $121.7M+8.6% | $112.1M-40.4% | $188.1M-33.4% | $282.5M+31.2% | $215.4M+237.8% | $63.8M |
| Income Tax | -$16.3M-1229.9% | $1.4M-75.1% | $5.8M+7.0% | $5.4M+20.5% | $4.5M-38.9% | $7.3M-72.6% | $26.8M-38.0% | $43.2M+1.8% | $42.4M+459.9% | $7.6M |
| Net Income | -$67.3M-1399.5% | $5.2M-77.7% | $23.2M+18.2% | $19.6M+91.8% | $10.2M-41.9% | $17.6M-77.1% | $76.8M-38.7% | $125.2M+52.9% | $81.9M+141.4% | $33.9M |
| EPS (Basic) | N/A | N/A | $0.02+16.6% | $0.01+85.9% | $0.01-36.6% | $0.01-78.0% | $0.06-44.2% | $0.10+51.9% | $0.07+141.2% | $0.03 |
| EPS (Diluted) | N/A | N/A | $0.02+19.2% | $0.01+66.7% | $0.01-36.6% | $0.01-76.2% | $0.05-42.7% | $0.09+46.7% | $0.06+124.5% | $0.03 |
| Diluted Shares (Avg) | 1.37B+6.9% | 1.28B-11.3% | 1.45B-5.3% | 1.53B+0.1% | 1.53B0.0% | 1.53B+3.9% | 1.47B+5.6% | 1.39B+4.4% | 1.33B+8.2% | 1.23B |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, SG&A Expenses.
CNF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B-28.8% | $2.1B-10.7% | $2.3B+9.8% | $2.1B-7.0% | $2.3B+20.4% | $1.9B+0.2% | $1.9B-33.5% | $2.8B+0.5% | $2.8B | N/A |
| Cash & Equivalents | $48.4M-69.8% | $160.3M-43.1% | $281.9M+9.7% | $256.9M-26.6% | $350.2M+16.5% | $300.5M+22.7% | $245.0M-46.7% | $459.8M+151.3% | $183.0M+444.9% | $33.6M |
| Short-Term Investments | $4.1M-23.4% | $5.3M-74.3% | $20.6M-41.8% | $35.4M-68.2% | $111.3M+143.6% | $45.7M-51.4% | $94.0M | N/A | N/A | N/A |
| Inventory | N/A | N/A | $247.1M-1.6% | $251.0M-11.9% | $284.9M+0.2% | $284.3M | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0n/m | $0 | N/A |
| Total Liabilities | $953.6M-36.5% | $1.5B-13.6% | $1.7B+13.8% | $1.5B-7.8% | $1.7B+27.4% | $1.3B-3.9% | $1.4B-42.9% | $2.4B-5.8% | $2.5B | N/A |
| Long-Term Debt | $29.4M-60.9% | $75.2M-70.0% | $250.2M-13.4% | $288.8M | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $512.0M-7.9% | $555.9M-1.6% | $564.6M+0.2% | $563.4M-6.0% | $599.2M+4.5% | $573.4M+10.9% | $516.9M+16.7% | $443.0M+57.4% | $281.5M+74.7% | $161.1M |
| Retained Earnings | $382.0M-11.2% | $430.4M-1.5% | $437.2M+1.9% | $429.0M-3.2% | $443.2M+4.8% | $422.9M+10.6% | $382.4M+23.6% | $309.4M+59.0% | $194.7M | N/A |
Not reported in any period shown, so not listed: Current Assets, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
CNF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.1M-88.4% | $103.7M-56.8% | $240.3M+80.3% | $133.3M+23.1% | $108.2M-36.9% | $171.6M-8.1% | $186.6M-3.2% | $192.7M-2.6% | $197.8M+261.4% | $54.7M |
| Depreciation & Amortization | $2.3M+44.5% | $1.6M+540.4% | $247K-24.1% | $325K-45.7% | $600K-35.3% | $927K-40.9% | $1.6M-18.9% | $1.9M+16.5% | $1.7M+74.8% | $950K |
| Stock-Based Compensation | N/A | $2.0M+92.8% | $1.1M+26.5% | $837K-71.6% | $2.9M-69.0% | $9.5M+316.9% | $2.3M-60.5% | $5.8M-79.4% | $28.1M | N/A |
| Capital Expenditures | $510K-53.2% | $1.1M-93.3% | $16.1M+23.7% | $13.0M+2082.3% | $597K+21.0% | $494K-22.6% | $638K-70.4% | $2.2M-29.0% | $3.0M+38.5% | $2.2M |
| Free Cash Flow | $11.6M-88.7% | $102.7M-54.2% | $224.1M+86.4% | $120.2M+11.7% | $107.6M-37.1% | $171.1M-8.0% | $186.0M-2.4% | $190.5M-2.2% | $194.7M+270.7% | $52.5M |
| Investing Cash Flow | $468.2Mn/m | -$36.1Mn/m | -$349.9Mn/m | -$159.2Mn/m | -$368.9M-559.3% | $80.3M-88.7% | $709.1M+650.9% | $94.4Mn/m | -$1.5Bn/m | -$677.0M |
| Financing Cash Flow | -$598.6Mn/m | -$182.5M-228.9% | $141.6Mn/m | -$41.8M-113.8% | $303.3Mn/m | -$209.5Mn/m | -$1.1Bn/m | -$371K-100.0% | $1.4B+130.2% | $618.0M |
| Share Buybacks | $255K-59.3% | $627K-85.5% | $4.3M-66.0% | $12.7M | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
CNF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | -163.7% | -56.4%-19.2pp | -37.2%-3.7pp | -33.4%+29.9pp | -63.3% | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -421.3% | 5.3%-10.7pp | 16.1%+2.7pp | 13.4%+2.5pp | 10.8%+0.7pp | 10.1%-19.8pp | 29.9%-6.9pp | 36.8%+10.4pp | 26.5%-0.7pp | 27.2% |
| Return on Equity | -13.1%-14.1pp | 0.9%-3.2pp | 4.1%+0.6pp | 3.5%+1.8pp | 1.7%-1.4pp | 3.1%-11.8pp | 14.9%-13.4pp | 28.3%-0.8pp | 29.1%+8.0pp | 21.1% |
| Return on Assets | -4.6%-4.8pp | 0.3%-0.8pp | 1.0%+0.1pp | 0.9%+0.5pp | 0.4%-0.5pp | 0.9%-3.2pp | 4.1%-0.3pp | 4.5%+1.5pp | 2.9% | N/A |
| Debt-to-Equity | 0.06-0.1x | 0.14-0.3x | 0.44-0.1x | 0.51 | N/A | N/A | N/A | N/A | N/A | N/A |
| Liabilities-to-Equity | 1.86-0.8x | 2.70-0.4x | 3.08+0.4x | 2.71-0.1x | 2.77+0.5x | 2.27-0.4x | 2.62-2.7x | 5.36-3.6x | 8.95 | N/A |
| Asset Turnover | 0.010.0x | 0.050.0x | 0.060.0x | 0.070.0x | 0.04-0.1x | 0.090.0x | 0.140.0x | 0.120.0x | 0.11 | N/A |
| FCF Margin | 72.4% | 105.7% | 155.1% | 81.9% | 114.0% | 98.5%+26.1pp | 72.4%+16.4pp | 56.0%-6.9pp | 62.9%+20.9pp | 42.0% |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| CNFinance Holdings Limited CNF | FY2025 | $16.0M | -$67.3M | N/A | $30.3M | 51/100 |
| Pineapple Financial Inc. PAPL | FY2025 | $3.0M | -$3.6M | N/A | $24.8M | 63/100 |
| Income Opportunity Realty Investors, Inc. IOR | FY2025 | N/A | $4.0M | N/A | $75.3M | — |
| Security National Financial Co SNFCA | FY2025 | $344.6M | $32.2M | 9.3% | $237.3M | 45/100 |
| Greystone Housing Impact Investors LP Beneficial Unit Certificates representing assignments of limited partnership interests GHI | FY2025 | $85.4M | -$7.6M | -8.9% | $115.0M | 31/100 |
| Better Home & Finance Holding Company Warrant BETRW | FY2025 | $164.9M | -$165.9M | N/A | N/A | 52/100 |
Where CNFinance Holdings Limited Ranks
Frequently Asked Questions
What is CNFinance Holdings Limited's annual revenue?
CNFinance Holdings Limited (CNF) reported $16.0M in total revenue for fiscal year 2025. This represents a -83.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is CNFinance Holdings Limited's revenue growing?
CNFinance Holdings Limited (CNF) revenue declined by 83.6% year-over-year, from $97.1M to $16.0M in fiscal year 2025.
Is CNFinance Holdings Limited profitable?
No, CNFinance Holdings Limited (CNF) reported a net loss of $67.3M in fiscal year 2025.
What is CNFinance Holdings Limited's EBITDA?
CNFinance Holdings Limited (CNF) had EBITDA of -$23.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does CNFinance Holdings Limited have?
As of fiscal year 2025, CNFinance Holdings Limited (CNF) had $48.4M in cash and equivalents against $29.4M in long-term debt.
What is CNFinance Holdings Limited's return on equity (ROE)?
CNFinance Holdings Limited (CNF) has a return on equity of -13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is CNFinance Holdings Limited's free cash flow?
CNFinance Holdings Limited (CNF) generated $11.6M in free cash flow during fiscal year 2025. This represents a -88.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is CNFinance Holdings Limited's operating cash flow?
CNFinance Holdings Limited (CNF) generated $12.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are CNFinance Holdings Limited's total assets?
CNFinance Holdings Limited (CNF) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are CNFinance Holdings Limited's capital expenditures?
CNFinance Holdings Limited (CNF) invested $510K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does CNFinance Holdings Limited spend on research and development?
CNFinance Holdings Limited (CNF) invested $542K in research and development during fiscal year 2025.
What is CNFinance Holdings Limited's debt-to-equity ratio?
CNFinance Holdings Limited (CNF) had a debt-to-equity ratio of 0.06 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is CNFinance Holdings Limited's liabilities-to-equity ratio?
CNFinance Holdings Limited (CNF) had a liabilities-to-equity ratio of 1.86 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is CNFinance Holdings Limited's return on assets (ROA)?
CNFinance Holdings Limited (CNF) had a return on assets of -4.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is CNFinance Holdings Limited's P/E ratio?
CNFinance Holdings Limited (CNF) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2025). The market capitalization is $30.3M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CNFinance Holdings Limited's price-to-sales ratio?
CNFinance Holdings Limited (CNF) trades at 1.9x sales, its market capitalization divided by $16.0M revenue, FY2025. The market capitalization is $30.3M as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CNFinance Holdings Limited's Piotroski F-Score?
CNFinance Holdings Limited (CNF) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CNFinance Holdings Limited's earnings high quality?
CNFinance Holdings Limited (CNF) reported a net loss of $67.3M while generating $12.1M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can CNFinance Holdings Limited cover its interest payments?
CNFinance Holdings Limited (CNF) reported an operating loss of $26.1M against $73.2M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is CNFinance Holdings Limited?
CNFinance Holdings Limited (CNF) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For CNFinance Holdings Limited it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.