CNFinance files 2025 Form 20-F annual report

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.

Rhea-AI Filing Summary

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.

Key Terms

Form 20-F, home equity loan service provider, trust lending model, commercial bank partnership model, +1 more

5 terms

Form 20-F regulatory

"filed its annual report on Form 20-F for the fiscal year ended December 31, 2025"

Form 20-F is the standardized annual disclosure that non-U.S. companies must file with the U.S. securities regulator when their shares are traded in the U.S.; it contains audited financial statements, a plain-language description of the business, management discussion, governance details and key risk factors. It matters to investors because it provides a consistent, comparable company “report card” and rulebook, helping buyers assess financial health, governance and risks before investing.

home equity loan service provider financial

"CNFinance Holdings Limited ... a leading home equity loan service provider in China"

trust lending model financial

"collaborating with sales partners and trust companies under the trust lending model"

commercial bank partnership model financial

"sales partners, local channel partners and commercial banks under the commercial bank partnership model"

micro- and small-enterprise financial

"recommending micro- and small-enterprise (“MSE”) owners with financing needs to the Company"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did CNFinance (CNF) announce in its latest Form 6-K?

CNFinance announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025. The report was filed with the SEC on April 30, 2026 and is now available online.

How can CNFinance (CNF) investors access the 2025 Form 20-F annual report?

Investors can access the 2025 Form 20-F on CNFinance’s investor relations website and on the SEC’s website. The company also offers free hard copies to shareholders and ADS holders upon request via its investor relations email.

Will CNFinance (CNF) provide hard copies of its 2025 annual report?

Yes. CNFinance will provide a hard copy of its 2025 Form 20-F annual report free of charge to shareholders and ADS holders. Requests should be directed to the company’s investor relations department at its published email address.

What is CNFinance Holdings Limited’s core business focus?

CNFinance is a home equity loan service provider in China focusing on micro- and small-enterprise owners who own real properties in Tier 1, Tier 2, and other major cities, connecting them with funding from trust companies and commercial banks.

How does CNFinance (CNF) structure its lending and risk management model?

CNFinance collaborates with sales partners, local channel partners, trust companies, and commercial banks. These partners refer borrowers to licensed financial institutions, which conduct risk assessments, while CNFinance embeds risk mitigation into product design and post-loan management.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 6-K: How Foreign Companies Report to the SEC →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Accepted by SEC EDGAR 04/30/2026 - 04:40 PM Learn about SEC filing dates

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN ISSUER
PURSUANT TO RULE 13a-16 OR 15d-16 OF
THE SECURITIES EXCHANGE ACT OF 1934

For the month of April 2026

Commission file number: 001-38726

CNFinance Holdings Limited

(Exact Name of Registrant as Specified in Its Charter)

22/F, South Finance Center, No. 6 Wuheng Road

Tianhe District, Guangzhou City, Guangdong Province

People’s Republic of China

+86-20-62316688

(Address of Principal Executive Offices)

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.

Form 20-F  ☒          Form 40-F  ☐

On April 30, 2026, CNFinance Holdings Limited (the “Company”) issued press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

1

EXHIBIT INDEX

Exhibit No.		Description
99.1		Press release: CNFinance Files Annual Report on Form 20-F for Fiscal Year 2025

2

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

		CNFINANCE HOLDINGS LIMITED
Date:	April 30, 2026	By:	/s/ Bin Zhai
			Name:	Bin Zhai
			Title:	Chief Executive Officer and Chairman

3

Exhibit 99.1

CNFinance Files Annual Report on Form 20-F for Fiscal Year 2025

GUANGZHOU, China, April 30, 2026, /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) (“CNFinance” or the “Company”), a leading home equity loan service provider in China, today announced that it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the U.S. Securities and Exchange Commission (“SEC”) on April 30, 2026.

The annual report can be accessed on the Company’s investor relations website at http://ir.cashchina.cn as well as the SEC’s website at http://www.sec.gov.

The Company will provide a hard copy of its annual report, free of charge, to its shareholders and ADS holders upon request. Requests should be directed to the Company’s IR Department at ir@cashchina.cn.

About CNFinance Holdings Limited

CNFinance Holdings Limited (NYSE: CNF) (“CNFinance” or the “Company”) is a leading home equity loan service provider in China. CNFinance, through its operating subsidiaries in China, conducts business by connecting demands and supplies through collaborating with sales partners and trust companies under the trust lending model, and sales partners, local channel partners and commercial banks under the commercial bank partnership model. Sales partners and local channel partners are responsible for recommending micro- and small-enterprise (“MSE”) owners with financing needs to the Company and the Company introduces eligible borrowers to licensed financial institutions with sufficient funding sources including trust companies and commercial banks who will then conduct their own risk assessments and make credit decisions. The Company’s primary target borrower segment is MSE owners who own real properties in Tier 1 and Tier 2 cities and other major cities in China. The Company’s risk mitigation mechanism is embedded in the design of its loan products, supported by an integrated online and offline process focusing on risks of both borrowers and collateral and further enhanced by effective post-loan management procedures.

For more information, please contact:

CNFinance

E-mail: ir@cashchina.cn

Filing Exhibits & Attachments

1 document

Press Releases

• EX-99.1 CNFINANCE FILES ANNUAL REPORT ON FORM 20-F FOR FISCAL YEAR 2025 4.2 KB