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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
CNFinance Holdings Ltd is a China-based online marketplace that facilitates consumer and mortgage loan origination by linking borrowers with lending partners and offering related loan services. Major long-term growth drivers include expanding consumer credit demand in China, increasing digital distribution of lending, and potential product diversification, which may benefit scale and revenue mix; the platform model appears positioned to leverage online channels for distribution.
Material risks include regulatory tightening in China's consumer finance sector, elevated credit and default risk, strong competition from larger fintech and banks, and limited transparency in publicly available disclosures that investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | -568.18M | 48.29M | 205.63M | 172.58M | 93.77M |
| Net income | -457.58M | 37.78M | 164.62M | 137.75M | 64.93M |
| Selling general administrative | 109.06M | 187.25M | 232.07M | 216.78M | 244.70M |
| Selling and marketing expenses | 52.06M | 266.54M | 393.34M | 320.83M | 425.74M |
| Gross profit | 544.27M | 828.34M | 995.45M | -211001744.95M | -415103805.76M |
| Reconciled depreciation | 15.98M | 11.54M | 1.75M | 2.24M | 3.82M |
| Ebit | -70.26M | 48.29M | 205.63M | 957.36M | 93.77M |
| Ebitda | -54.72M | 59.83M | 207.39M | 185105529.00M | 97.59M |
| Depreciation and amortization | 15.54M | 11.54M | 1.75M | 185104571.64M | 3.82M |
| Operating income | -70.26M | 48.29M | 205.63M | 957.36M | 93.77M |
| Other operating expenses | 696.21M | 1551.85M | 1631.55M | 127554524.00M | 528.48M |
| Interest expense | 497.92M | 794.52M | 723.08M | 784.78M | 775.57M |
| Tax provision | -113.70M | 10.50M | 45.89M | 34.84M | 28.83M |
| Interest income | 575.78M | 1538.62M | 1763.30M | 1788.90M | 1782.33M |
| Net interest income | 63.92M | 744.10M | 1026.22M | 1004.13M | 1006.76M |
| Income tax expense | -110.61M | 10.50M | 41.02M | 34.84M | 28.83M |
| Total revenue | 625.95M | 1600.14M | 1837.19M | 1070.05M | 622.24M |
| Total operating expenses | 614.53M | 780.05M | 789.82M | -338557339.00M | -528.48M |
| Cost of revenue | 81.68M | 771.80M | 841.73M | 211002815.00M | 415104428.00M |
| Total other income expense net | -497.92M | -375.97M | -358.86M | -784.78M | -1714677048.00M |
| Net income from continuing ops | -470.39M | 37.78M | 174.26M | 137.75M | 64.93M |
| Net income applicable to common shares | - | 37.78M | 164.62M | 137.75M | 64.93M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 10255.65M | 15027.11M | 16364.35M | 14481.92M | 14411.34M |
| Intangible assets | - | 3.08M | 3.01M | 3.49M | 4.01M |
| Other current assets | 622.74M | -1003.20M | -850.44M | - | 10911.65M |
| Total liab | 6672.72M | 10969.56M | 12355.42M | 7865.57M | 8300.36M |
| Total stockholder equity | 3582.92M | 4057.56M | 4008.93M | 3889.36M | 3818.01M |
| Other current liab | - | 1473.45M | -248.07M | - | 142.40M |
| Common stock | 0.92M | 0.92M | 0.92M | 0.92M | 0.92M |
| Capital stock | 0.92M | 0.92M | 0.92M | 0.92M | 0.92M |
| Retained earnings | 2673.05M | 3141.74M | 3103.96M | 2962.08M | 2824.06M |
| Other liab | - | - | - | - | 2324.03M |
| Good will | - | - | - | 0.00M | -0.00M |
| Other assets | - | 15027.11M | -452.09M | -16387104.27M | 9551.54M |
| Cash | 791.85M | 1755.87M | 2550.19M | 1917.28M | 2388.39M |
| Cash and equivalents | - | 1170.39M | - | 1772.18M | 2231.44M |
| Total current liabilities | 3312.12M | 7077.84M | 25.66M | - | 154957182.00M |
| Net debt | 3425.37M | 4198.81M | 5719.50M | 5838.86M | 5669.02M |
| Short term debt | 3312.12M | 5354.88M | - | 112.64M | 45.25M |
| Short long term debt | 454.46M | 5354.88M | - | - | - |
| Short long term debt total | 4217.22M | 5954.68M | 8269.69M | 7756.14M | 8057.41M |
| Other stockholder equity | 922.53M | 923.72M | 913.40M | 936.57M | 1018.43M |
| Property plant equipment | - | 212.53M | - | 32.06M | 19.24M |
| Total current assets | 1525.47M | 1794.56M | 2001.60M | 16401032.00M | 3748.50M |
| Long term investments | 273.44M | 280.11M | 452.09M | 518.64M | 1088.04M |
| Net tangible assets | - | - | - | - | 3814.00M |
| Short term investments | 28.40M | 38.70M | 146.49M | 11320828.00M | 1088.04M |
| Net receivables | 82.47M | 1003.20M | 572.18M | 282.55M | 272.07M |
| Long term debt | 218.68M | 578.41M | 8243.62M | 7727.56M | 8041.89M |
| Inventory | - | - | 278.26M | - | - |
| Accumulated other comprehensive income | -13.57M | -8.82M | -9.34M | -10.21M | -25.39M |
| Non currrent assets other | 2295.23M | 12605.72M | 14323.74M | -554.19M | -1111.29M |
| Non current assets total | 8730.18M | 13232.55M | 14814.83M | 554.19M | 1111.29M |
| Capital lease obligations | 12.24M | 21.39M | 26.07M | 28.58M | 15.52M |
| Long term debt total | - | 5933.29M | - | 7727.56M | 8041.89M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 23.47M | -263.67M | -2483.91M | -1098.20M | -2350.56M |
| Change to liabilities | - | - | - | - | 0.00M |
| Total cashflows from investing activities | 3184.67M | -263.67M | -2483.91M | - | -2350.56M |
| Net borrowings | -4183.99M | -1327.61M | 1107.33M | - | - |
| Total cash from financing activities | -4071.73M | -1332.19M | 1005.54M | -288.16M | 1932.58M |
| Net income | -457.58M | 37.78M | 164.62M | 135.35M | 65.21M |
| Change in cash | -782.81M | -831.22M | 229.42M | -459.25M | 270.51M |
| Begin period cash flow | 1121.22M | 2001.60M | 1772.18M | 2231.44M | 1960.92M |
| End period cash flow | 338.40M | 1170.39M | 2001.60M | 1772.18M | 2231.44M |
| Total cash from operating activities | 82.15M | 757.23M | 1705.76M | 919.25M | 689.69M |
| Depreciation | 15.54M | 11.54M | 1.75M | 2.24M | 3.82M |
| Other cashflows from investing activities | 3164.87M | -439.53M | -2478.04M | - | -2346.76M |
| Sale purchase of stock | -1.73M | -4.58M | -30.69M | -87.63M | - |
| Other cashflows from financing activities | -0.00M | 0.00M | -71.10M | 6133.03M | 7068.02M |
| Capital expenditures | 3.47M | 7.95M | 114.50M | 89.89M | 3.81M |
| Change in working capital | -373.42M | -382.31M | 77.04M | -330.44M | 62.54M |
| Stock based compensation | 0.00M | 14.90M | 7.52M | 5.77M | 18.77M |
| Other non cash items | 897.60M | 1113.36M | 1471.33M | 1240.24M | 729.37M |
| Free cash flow | 78.68M | 749.28M | 1591.26M | 829.36M | 685.89M |
Sector: Financial Services Industry: Mortgage Finance
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CNF CNFinance Holdings Ltd |
-0.15 7.69% |
1.80 | - | 2.18 | 0.05 | 0.07 | 6.88 |
| FMCCT Federal Home Loan Mortgage Corp Pref Perpetual |
0.19 1.64% |
11.79 | 197.79 | - | 2.68 | - | - |
| RKT Rocket Companies Inc |
0.88 7.38% |
12.80 | 8.17 | 62.50 | 7.58 | 3.14 | - |
| FNMFO Federal National Mortgage Association |
- -% |
25000.00 | 1000000.00 | - | 0.55 | - | - |
| FNMAS Federal National Mortgage Association Pref S |
0.18 2.30% |
7.99 | 1701.43 | - | 0.55 | - | - |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Zhai Bin | Chairman & CEO | 1971 |
| Mr. Jun Qian | VP & Director | 1975 |
| Ms. Jing Li | Acting CFO, Assistant Pres and Head of Department of Fin. & Internal Control | 1981 |
| Mr. Christian Arnell | Investor Relations Officer, Christensen IR | NA |
| Ms. Jing Li | Acting CFO, Assistant President and Head of Department of Finance & Internal Control | 1981 |
| Ms. Huiling Jiang | Vice President | 1981 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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