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-7.80%
Cnfinance holdings limited
0.23%
Avg of Sector
-0.49%
S&P500
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates a network of 63 branches and sub-branches, which included 14 branches and sub-branches in the Pearl River Delta region, 7 branches and sub-branches in the Yangtze River Delta region, and 42 branches and sub-branches in other areas in approximately 50 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Cnfinance holdings limited (CNF) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CNF's short-term business performance and financial health. For the latest updates on CNF's earnings releases, visit this page regularly.
According to historical valuation range analysis, Cnfinance holdings limited (CNF)'s current price-to-earnings (P/E) ratio is -4, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Cnfinance holdings limited (CNF) reported an Operating Profit of 15.54M with an Operating Margin of 35.29% this period, representing a decline of 87.94% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Cnfinance holdings limited (CNF) announced revenue of 44.03M, with a Year-Over-Year growth rate of -75.08%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Cnfinance holdings limited (CNF) had total debt of 5.31B, with a debt ratio of 0.42. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Cnfinance holdings limited (CNF) held Total Cash and Cash Equivalents of 922.27M, accounting for 0.07 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Cnfinance holdings limited (CNF) did not achieve the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 35.29%%, and net margin of -45.85%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CNF's profit trajectory and future growth potential.
According to the past four quarterly reports, Cnfinance holdings limited (CNF)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -60. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.