CNFinance Holdings Cash Flow Statement

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

Millions CNY. Fiscal year is Jan - Dec.

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
Provision for Credit Losses	480.93	105.22	177.28	238.09	-298.47
Stock-Based Compensation	-	14.9	7.52	5.77	18.77
Net Change in Loans Held-for-Sale	605.46	1,012	1,267	964.56	553
Other Adjustments	-163.65	-41.64	10.45	-96.32	288.02
Changes in Other Operating Activities	-383.88	-382.31	77.04	-330.44	59.35
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%
Net Change in Loans Held-for-Investment	3,254	-440.36	-2,478	-1,468	-1,818
Net Change in Securities and Investments	23.47	183.8	108.63	409.84	-529.81
Proceeds from Business Divestments	-	-	-	50	-
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
Investing Cash Flow	3,274	-263.67	-2,484	-1,098	-2,351
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 Long-Term Debt Issued (Repaid)	-4,184	-1,328	1,107	-251.28	1,933
Repurchase of Common Stock	-1.78	-4.58	-30.69	-87.63	-
Net Common Stock Issued (Repurchased)	-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
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-4.74	7.41	2.03	7.85	-1.19
Net Cash Flow	-827.46	-838.63	227.39	-467.1	271.71
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%
FCF Margin	-20.15%	167.21%	268.40%	162.26%	144.49%
Free Cash Flow Per Share	11.79	116.82	220.11	108.62	89.90
Levered Free Cash Flow	-5,026	-1,669	1,236	-534.01	2,057
Unlevered Free Cash Flow	-371.46	-378.72	-35.71	-418.09	59.37

SEC Filings: 10-K · 10-Q