CNFinance Holdings Limited (CNF)
NYSE: CNF · Real-Time Price · USD
2.110
-0.090 (-4.07%)
Sep 8, 2026, 10:13 AM EDT - Market open
CNFinance Holdings Cash Flow Statement
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | -470.39 | 37.78 | 164.62 | 135.35 | 65.21 |
Depreciation & Amortization | 15.98 | 11.54 | 1.75 | 2.24 | 3.82 |
Gain on Sale of Loans & Receivables | 20.97 | 6.5 | 17.19 | 44.55 | 479.58 |
Loss (Gain) From Sale of Investments | 0.97 | -4.13 | 13.2 | 0.36 | -1.1 |
Provision for Credit Losses | 480.93 | 105.22 | 177.28 | 238.08 | -298.47 |
Stock-Based Compensation | - | 14.9 | 7.52 | 5.77 | 18.77 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 605.46 | 1,012 | 1,267 | 964.56 | 553 |
Change in Other Net Operating Assets | -383.88 | -382.31 | 77.04 | -330.44 | 59.35 |
Other Operating Activities | -185.59 | -43.98 | -20.08 | -141.27 | -190.8 |
Operating Cash Flow | 84.45 | 757.23 | 1,706 | 919.25 | 689.69 |
Operating Cash Flow Growth | -88.85% | -55.61% | 85.56% | 33.28% | -38.40% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -3.57 | -7.95 | -114.5 | -89.89 | -3.81 |
Sale of Property, Plant & Equipment | 0.45 | 0.83 | 0.04 | 0.32 | 0.55 |
Divestitures | - | - | - | 50 | - |
Investment in Securities | 23.47 | 183.8 | 108.63 | 409.84 | -529.81 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 3,254 | -440.36 | -2,478 | -1,468 | -1,818 |
Other Investing Activities | 0 | - | - | - | - |
Investing Cash Flow | 3,274 | -263.67 | -2,484 | -1,098 | -2,351 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | 2,777 | 9,493 | 10,402 | 6,082 | 7,068 |
Long-Term Debt Repaid | -6,961 | -10,821 | -9,295 | -6,334 | -5,135 |
Net Debt Issued (Repaid) | -4,184 | -1,328 | 1,107 | -251.27 | 1,933 |
Repurchase of Common Stock | -1.78 | -4.58 | -30.69 | -87.63 | - |
Other Financing Activities | - | - | -71.1 | 50.75 | - |
Financing Cash Flow | -4,186 | -1,332 | 1,006 | -288.16 | 1,933 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | -4.74 | 7.41 | 2.03 | 7.85 | -1.19 |
Net Cash Flow | -832.2 | -831.22 | 229.42 | -459.25 | 270.51 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
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 Margin | - | 119.84% | 188.41% | 119.21% | 77.31% |
Free Cash Flow Per Share | 11.79 | 109.25 | 220.11 | 108.62 | 89.90 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 469.99 | 776.33 | 726.29 | 792.79 | 832.74 |
Cash Income Tax Paid | 4.64 | 27.7 | 63.46 | 139.21 | 153.49 |