CNFinance Holdings Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	1,028	1,539	1,755	1,731	1,816	1,855
Total Interest Expense	664.51	794.52	723.08	784.78	775.57	731.32
Net Interest Income	363.28	744.1	1,032	946.58	1,040	1,124
Gain (Loss) on Sale of Loans & Receivables	-25.23	-6.5	-17.19	-44.55	-479.58	-50.61
Gain (Loss) on Sale of Investments	-9.4	-4.13	0.78	20.2	20.27	20.21
Other Revenue	-3.01	-3.01	6.75	11.57	7.77	1.6
Revenue Before Loan Losses	325.63	730.47	1,022	933.8	588.66	1,095
Provision for Loan Losses	-34.28	105.22	177.28	238.08	-298.47	77.35
Revenue	359.92	625.25	844.57	695.71	887.13	1,017
Revenue Growth (YoY)	-54.89%	-25.97%	21.40%	-21.58%	-12.80%	-28.38%
Salaries & Employee Benefits	121.66	155.74	204.57	197.04	211.17	190.37
Cost of Services Provided	167.34	282.23	409.7	367.21	469.67	467.3
Other Operating Expenses	145.92	208.33	100.9	10.31	75.63	96.31
Total Operating Expenses	449.82	661.19	722.69	580.32	775.23	816.05
Operating Income	-89.9	-35.93	121.88	115.39	111.9	201.32
Currency Exchange Gain (Loss)	5.93	5.93	3.59	7.36	0.79	-5.35
EBT Excluding Unusual Items	-43.29	67.13	213.4	180.3	112.79	195.97
Gain (Loss) on Sale of Investments	-	-	-5.91	-	-	-
Pretax Income	-62.13	48.29	205.63	172.58	93.77	162.7
Income Tax Expense	-11.6	10.5	41.02	37.23	28.56	47.85
Net Income	-50.53	37.78	164.62	135.35	65.21	114.85
Net Income to Common	-50.53	37.78	164.62	135.35	65.21	114.85
Net Income Growth	-	-77.05%	21.62%	107.57%	-43.23%	-78.52%
Shares Outstanding (Basic)	7	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	8	8	8
Shares Change (YoY)	10.68%	-5.14%	-5.32%	0.08%	0.04%	3.91%
EPS (Basic)	-6.99	5.51	24.00	19.74	9.51	16.75
EPS (Diluted)	-6.99	5.51	22.00	18.00	9.51	16.00
EPS Growth	-	-74.96%	22.22%	89.32%	-40.58%	-77.78%
Free Cash Flow	-	749.28	1,591	829.36	685.89	1,116
Free Cash Flow Per Share	-	109.25	220.11	108.62	89.90	146.38
Operating Margin	-24.98%	-5.75%	14.43%	16.59%	12.61%	19.79%
Profit Margin	-14.04%	6.04%	19.49%	19.45%	7.35%	11.29%
Free Cash Flow Margin	-	119.84%	188.41%	119.21%	77.31%	109.73%
Effective Tax Rate	-	21.75%	19.95%	21.57%	30.46%	29.41%

Updated Aug 28, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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