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 Income Statement
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest and Dividend Income | 249.62 | 575.78 | 1,539 | 1,755 | 1,731 | 1,816 |
Total Interest Expense | 418.05 | 511.87 | 794.52 | 723.08 | 784.78 | 775.57 |
Net Interest Income | -168.43 | 63.92 | 744.1 | 1,032 | 946.58 | 1,040 |
Gain (Loss) on Sale of Loans & Receivables | -11.8 | -20.97 | -6.5 | -17.19 | -44.55 | -479.58 |
Gain (Loss) on Sale of Investments | 3.15 | -0.97 | -4.13 | 0.78 | 20.2 | 20.27 |
Other Revenue | 37.2 | 37.2 | -3.01 | 6.75 | 11.57 | 7.77 |
Revenue Before Loan Losses | -139.88 | 79.18 | 730.47 | 1,022 | 933.8 | 588.66 |
Provision for Loan Losses | 790.38 | 480.93 | 105.22 | 177.28 | 238.08 | -298.47 |
| -930.26 | -401.75 | 625.25 | 844.57 | 695.71 | 887.13 | |
Revenue Growth | - | - | -25.97% | 21.40% | -21.58% | -12.80% |
Salaries & Employee Benefits | 66 | 91.21 | 155.74 | 204.57 | 197.04 | 211.17 |
Cost of Services Provided | 16.92 | 65.77 | 282.23 | 409.7 | 367.21 | 469.67 |
Other Operating Expenses | 39.64 | 50.38 | 208.33 | 100.9 | 10.31 | 75.63 |
Total Operating Expenses | 122.57 | 207.37 | 661.19 | 722.69 | 580.32 | 775.23 |
Operating Income | -1,053 | -609.12 | -35.93 | 121.88 | 115.39 | 111.9 |
Currency Exchange Gain (Loss) | 5.67 | 5.67 | 5.93 | 3.59 | 7.36 | 0.79 |
EBT Excluding Unusual Items | -1,025 | -583.49 | 67.13 | 213.4 | 180.3 | 112.79 |
Gain (Loss) on Sale of Investments | - | - | - | -5.91 | - | - |
Pretax Income | -1,026 | -584.1 | 48.29 | 205.63 | 172.58 | 93.77 |
Income Tax Expense | -196.37 | -113.7 | 10.5 | 41.02 | 37.23 | 28.56 |
Net Income | -829.5 | -470.39 | 37.78 | 164.62 | 135.35 | 65.21 |
Net Income to Common | -829.5 | -470.39 | 37.78 | 164.62 | 135.35 | 65.21 |
Net Income Growth | - | - | -77.05% | 21.62% | 107.57% | -43.23% |
Shares Outstanding (Basic) | 53 | 7 | 7 | 7 | 7 | 7 |
Shares Outstanding (Diluted) | 53 | 7 | 7 | 7 | 8 | 8 |
Shares Change | 639.37% | - | -5.14% | -5.32% | 0.08% | 0.04% |
EPS (Basic) | -15.53 | -68.59 | 5.51 | 24.00 | 19.74 | 9.51 |
EPS (Diluted) | -15.53 | -68.59 | 5.51 | 22.00 | 18.00 | 9.51 |
EPS Growth | - | - | -74.96% | 22.22% | 89.32% | -40.58% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 Per Share | - | 11.79 | 109.25 | 220.11 | 108.62 | 89.90 |
Operating Margin | - | - | -5.75% | 14.43% | 16.59% | 12.61% |
Profit Margin | - | - | 6.04% | 19.49% | 19.45% | 7.35% |
Free Cash Flow Margin | - | - | 119.84% | 188.41% | 119.21% | 77.31% |
Effective Tax Rate | - | - | 21.75% | 19.95% | 21.57% | 30.46% |