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CNFinance Holdings Ltd. (CNF) reported a sharply weaker first half of 2026 as it continues shrinking and cleaning up its loan book. Total interest and fees income fell to RMB89.5 million from RMB415.7 million, while higher funding costs left net interest and fees income at a loss of RMB88.4 million versus a profit a year earlier.
Provision for credit losses surged to RMB340.7 million, driving a net loss of RMB399.5 million compared with a RMB40.4 million loss in 2025. Cash and cash equivalents plus restricted cash declined to RMB252.3 million, and the delinquency ratio rose to 63.4%, though the NPL ratio improved to 32.3%.
Management highlights asset recovery progress, with cash recoveries from overdue loans of about RMB600 million and a 103% overall recovery rate, and significant cost cutting: operating expenses dropped about 58% to RMB43.1 million. Total liabilities decreased to RMB5.95 billion. The company has repurchased roughly US$19.0 million of ADSs under its share repurchase program.
CNFinance Holdings Limited filed Amendment No. 2 to its Form F-3 registration statement (Registration No. 333-293400) on August 14, 2026. This amendment is an exhibit-only filing made solely to add the Consent of HTL International, LLC as Exhibit 23.1.
The prospectus in Part I remains unchanged and is omitted from this amendment. The filing also restates indemnification provisions for directors and officers under Cayman Islands law and confirms that indemnification for liabilities under the U.S. Securities Act is considered unenforceable under SEC public policy.
CNFinance Holdings Limited registers an offering of up to $30,000,000 of Class A ordinary shares (including ADSs) on a shelf basis, subject to completion. Each ADS represents 200 Class A ordinary shares and specific terms will be set in prospectus supplements.
The prospectus describes risks tied to its Cayman holding company structure, PRC regulatory uncertainties including cybersecurity and CSRC filing requirements, and HFCAA delisting risk. The ADSs trade on the NYSE under the symbol CNF; the last reported sale price was $2.77 per ADS as of June 30, 2026.
CNFinance Holdings Ltd. reported a major change in control as Kylin Investment Holdings Limited and Chairman/CEO Bin Zhai filed a Schedule 13D. On April 15, 2026, Kylin agreed to subscribe for 2,000,000,000 Class B ordinary shares for total consideration of US$200,000, with closing on May 6, 2026.
After this issuance, Kylin holds 243,949,380 Class A shares and 2,000,000,000 Class B shares, representing 66.55% of ordinary shares and 97.27% of aggregate voting power. Each Class A share has one vote and each Class B share has twenty votes, voting together as a single class.
Including 40,000,000 Class A shares underlying options exercisable within 60 days, Bin Zhai is deemed to beneficially own 283,949,380 Class A shares and 2,000,000,000 Class B shares, or 66.95% of ordinary shares and 97.28% of voting power. The reporting persons state the stake is for investment purposes and may be adjusted over time.
CNFinance Holdings Limited completed an issuance of 2,000,000,000 Class B ordinary shares to Kylin Investment Holdings Limited at US$0.0001 per share, raising aggregate gross proceeds of US$200,000 for general working capital purposes.
After this transaction, CNFinance has 3,559,576,960 ordinary shares outstanding, split between 1,559,576,960 Class A shares and 2,000,000,000 Class B shares. Kylin now beneficially owns 243,949,380 Class A shares and all 2,000,000,000 Class B shares, representing about 63.0% of total ordinary shares and approximately 96.8% of the company’s aggregate voting power.
CNFinance Holdings Limited, a China-based home equity loan service provider, has filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the U.S. Securities and Exchange Commission. The filing was completed on April 30, 2026.
The annual report is available on the company’s investor relations website and the SEC’s website. Shareholders and ADS holders can request a free hard copy from the company’s investor relations department via email.
CNFinance operates by connecting micro- and small-enterprise owners who own real property in major Chinese cities with funding from trust companies and commercial banks, using trust lending and commercial bank partnership models supported by risk-focused underwriting and post-loan management.
CNFinance Holdings Limited files its annual Form 20-F, emphasizing extensive risks from operating and raising capital in China. The company highlights PRC government oversight, evolving data security and cybersecurity rules, and new overseas listing filing requirements that could affect future offerings and its NYSE listing.
CNFinance describes a holding-company structure that depends on dividends from PRC subsidiaries, which are subject to foreign exchange controls, profit-reserve rules and potential policy changes. The filing also warns about possible impacts from the Holding Foreign Companies Accountable Act, dual-class share voting control, potential PFIC status for U.S. investors, and fluctuations in the RMB–U.S. dollar exchange rate.
CNFinance Holdings Ltd. filed an initial Form 3 for Li Jing, who serves as Chief Financial Officer. The filing identifies Li Jing as a reporting person associated with CNFinance (ticker CNF) but shows no insider stock transactions or holdings in this submission.
CNFinance Holdings Ltd. filed an initial insider ownership report identifying Xu Lin 1962 as a director and reporting person. This Form 3 does not list any specific share transactions, serving primarily to register Xu Lin’s status as an insider for future ownership and trading disclosures.