CNFinance Holdings Ltd. Sponsored ADR Stock

$1.88

2.91%

NYSE, Sep 17, 01:46 pm EDT. Closed.

ISIN

US18979T1051

Symbol

CNF

Reports

Quarter | Annual

Index

NYSE Composite

Sector

Financial Services

Industry

Financial Services

Overview Analysts Charts News Strategies

CNFinance Holdings Ltd. Sponsored ADR Stock price

$1.88

-52.22 96.52% 5Y

NYSE, Closing price Thu, Sep 17 2026

+0.05 2.91%

ISIN

US18979T1051

Symbol

CNF

Reports

Quarter | Annual

Index

NYSE Composite

Sector

Financial Services

Industry

Financial Services

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Key metrics

Basic

Market capitalization

$30.7m

Enterprise Value

$443.1m

Net debt

$412.4m

Cash

$37.6m

Shares outstanding

1.4b

Valuation (TTM | estimate)

P/E

negative

P/S

0.7 | 0.2

EV/Sales

9.6 | 3.2

EV/FCF

P/B

0.1

Financial Health

Equity Ratio

34.9%

Return on Equity

-13.1%

ROCE

-16.3%

ROIC

Debt/Equity

1.0

Financials (TTM | estimate)

Revenue

$46.4m | $136.4m

EBITDA

EBIT

$-153.0m

Net Income

$-123.7m

Free Cash Flow

Growth (TTM | estimate)

Revenue

-69.1% | 42.1%

EBITDA

EBIT

-1,551.2%

Net Income

-1,542.5%

Free Cash Flow

Margin

Gross

-35.7%

EBITDA

EBIT

-330.1%

Net

-266.9%

Free Cash Flow

EPS

$0.0

FCF per Share

Short interest

0.1%

Employees

326

Rev per Employee

$290.0k

CNFinance Holdings Ltd. Sponsored ADR Stock Analysis

Unlock Scores for Free

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5 Analysts have issued a CNFinance Holdings Ltd. Sponsored ADR forecast:

4x Buy

80%

1x Hold

20%

More details on Analyst Estimates Including Price Targets

5 Analysts have issued a CNFinance Holdings Ltd. Sponsored ADR forecast:

Buy

80%

Hold

20%

Analyst Estimates with Stock Price Targets

CNFinance Holdings Ltd. Sponsored ADR Events

Past Events

AUG

Q2 2025 Earnings Call

about one year ago

1. Management Discussion

Operator

Good day, and welcome to the CNFinance Holdings Limited First Half of 2025 Financial Results Conference Call. [Operator Instructions] Please note this event is being recorded.

I would now like to turn the conference over to IR Manager, Matthew Lou. Please go ahead.

Matthew Lou executive

Thank you, and welcome to the CNFinance First Half of 2025 Financial Results Conference Call. Our Director and Vice President, Mr. Jun Qian, will walk us through the operating and financial results. After that, we will have a Q&A section.

Before we start, I would like to remind you that this conference call contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminologies such as will, expects, anticipates, future, intends, plans, believes, estimates, target, going forward, outlook and similar statements.

Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the company's control, which may cause the company's actual results, performance or achievements to differ materially from those in the forward-looking statements.

Further information regarding these and other risks, uncertainties or factors is included in the company's filings with the U.S. Securities and Exchange Commission. The company does not undertake any obligation to update any forward-looking statements as a result of new information, future events or otherwise, except as required under law.

Now please welcome Mr. Jun Qian.

Jun Qian executive

[Interpreted] Hello, everyone. In the first half of 2025, amidst the complex and ever-changing market environment, CNF adhered to the guiding principle of survival first, victory first, actively tackled challenges and steadily advanced strategic adjustments and business optimizations. Now I'd like to report to you on our operational and financial performance for the first half of the year.

As of June 30, 2025, our company has signed a total of 2,184 sales partners, marking a year-on-year increase of 2%. We had an aggregate of 1,485 sales partners who have introduced borrowers to us, representing a 3.3% growth. However, due to our proactive efforts to control loan issuance and focus on reducing nonperforming loans in our existing portfolio, the number of loan transactions decreased by 78.1% year-on-year and the total loan origination dropped by 85.4%.

By the end of the second quarter, our loan balance stood at RMB 11.2 billion, a decrease of 29.6% compared to that of last year. We adhere to the strategy of leveraging existing assets and optimizing new ones, focusing our resources on risk mitigation and asset quality enhancement. Although this approach puts pressure on short-term performance, it lays a solid foundation for long-term steady growth.

In the first half of the year, our interest income was RMB 416 million, a decline of 55% year-on-year. Financing costs decreased by 32% and operating expenses fell by 74%, demonstrating the company's strong cost control capabilities. Our net loss was RMB 40.4 million, primarily due to an impairment loss provision of RMB 31.3 million.

As of June 30, 2025, the nonperforming loan ratio of the company's loan was 16.9%. Although the NPL ratio rose, the increase of new NPLs was effectively contained. Through diversified NPL reduction measures, the company achieved 103% NPL recovery rate in the first half. During the first half, the company optimized its organizational structure and streamlined personnel, resulting in a significant reduction in operating costs.

In one word, our key priorities in the first half included: first, reducing NPLs by innovating and leveraging effective reduction tools. Second, we've stabilized our funding source by bringing in a bunch of new institutional investors, mainly local AMCs to ensure smooth financing channels. Third, we have expanded into new business areas. We refined our existing products and launched new ones that meet market demands.

Facing continued market challenges, the company will uphold the survival first, victory first principle. With containing nonperforming loans and optimizing new growth as the core strategy, we will persist in the 3 key priorities; dedicating resources to NPL reduction, ensuring stable funding channels and supporting new business development.

Operator

[Operator Instructions] There are no questions at this time. I'd like to hand the call back over for any closing remarks.

Matthew Lou executive

Thank you, and thank you again for joining us today. If you have any further questions, you can contact us at [email protected]. Thank you.

Operator

The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.

[Portions of this transcript that are marked [Interpreted] were spoken by an interpreter present on the live call.]

Financial data from CNFinance Holdings Ltd. Sponsored ADR

Income StatementP&L Balance Sheet Cash Flow

Quarter TTM Annually

Jun '26		+/- %
Revenue	46 46	69% 69% 100%
- Direct Costs	63 63	48% 48% 136%
Gross Profit	-17 -17	155% 155% -36%
- Selling and Administrative Expenses	13 13	50% 50% 27%
- Research and Development Expense	- -	- -
EBITDA	- -	- -
- Depreciation and Amortization	- -	- -
EBIT (Operating Income) EBIT	-153 -153	1,551% 1,551% -330%
Net Profit	-124 -124	1,542% 1,542% -267%

In millions USD.

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CNFinance Holdings Ltd. Sponsored ADR Stock News

Neutral

PRNewsWire

●

20 days ago

CNFinance Announces First Half of 2026 Unaudited Financial Results

GUANGZHOU, China, Aug. 28, 2026 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced its unaudited financial results for the first half of 2026 ended June 30, 2026. "During the first half of 2026, we continued to execute our strategy of optimizing our existing portfolio, strengthening asset r...

Neutral

PRNewsWire

●

5 months ago

CNFinance Files Annual Report on Form 20-F for Fiscal Year 2025

GUANGZHOU, China, April 30, 2026 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced that it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the U.S. Securities and Exchange Commission ("SEC") on April 30, 2026. The annual report can be accessed on the C...

Company Profile

CNFinance Holdings Ltd. engages in the provision of home equity loan services. It facilitate loans by connecting micro- and small-enterprise owners with its funding partners. The company was founded in January 2014 and is headquartered in Guangzhou, China.

Head office	Cayman Islands
CEO	Mr. Zhai
Employees	326
Founded	2014
Website	ir.cashchina.cn

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