CNFinance Holdings Limited (CNF)

CNFinance Holdings Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	31.87	588.35	775.94	683.3	614.58
Net Interest Income Growth	-94.58%	-24.18%	13.56%	11.18%	-13.25%
Non-Interest Income	47.74	-35.02	-5.79	65.93	-438.35
Revenues Before Loan Losses	79.61	553.32	770.15	749.23	176.23
Provision for Credit Losses	480.93	105.22	177.28	238.09	-298.47
Revenue	-401.33	448.11	592.86	511.14	474.69
Revenue Growth (YoY)	-	-24.42%	15.99%	7.68%	-22.23%
Compensation Expenses	91.21	170.63	212.09	202.81	229.94
Selling, General & Admin	24.43	41.86	47.71	49.86	50.49
Other Non-Interest Expenses	67.12	187.32	127.43	85.89	100.5
Total Non-Interest Expense	182.77	399.82	387.23	338.56	380.93
Pretax Income	-584.1	48.29	205.64	172.58	93.77
Provision for Income Taxes	-113.7	10.5	41.02	37.23	28.56
Net Income	-470.39	37.78	164.62	135.35	65.21
Minority Interest in Earnings	-	-	19.38	-	-
Net Income to Common	-470.39	37.78	164.62	135.35	65.21
Net Income Growth	-	-77.05%	21.62%	107.57%	-43.23%
Shares Outstanding (Basic)	7	7	7	7	7
Shares Outstanding (Diluted)	7	6	7	8	8
Shares Change (YoY)	6.93%	-11.28%	-5.32%	0.08%	0.04%
EPS (Basic)	-68.00	6.00	24.00	20.00	10.00
EPS (Diluted)	-68.00	6.00	22.00	18.00	10.00
EPS Growth	-	-72.73%	22.22%	80.00%	-37.50%
Shares Outstanding	6.86	6.86	6.86	6.86	6.86
Free Cash Flow	80.88	749.28	1,591	829.36	685.89
Free Cash Flow Growth	-89.20%	-52.91%	91.86%	20.92%	-38.56%
Free Cash Flow Per Share	11.79	116.82	220.11	108.62	89.90
Profit Margin	117.21%	8.43%	27.77%	26.48%	13.74%
FCF Margin	-20.15%	167.21%	268.40%	162.26%	144.49%
EBITDA	15.98	11.54	1.75	2.24	3.82
EBITDA Margin	-3.98%	2.58%	0.30%	0.44%	0.81%
Effective Tax Rate	19.47%	21.75%	19.95%	21.57%	30.46%

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q