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CNFinance Holdings (CNF) AI Stock Analysis
CNFinance Holdings
(NYSE:CNF)
The score is held down primarily by deteriorating financial performance (2025 loss, weaker revenue visibility, and a sharp cash flow downshift) and a clearly bearish technical setup (price below all key moving averages with negative MACD). Valuation is not a strong offset because the negative P/E reflects current losses and the dividend yield is unavailable.
CNFinance Holdings (CNF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $5.94M
- Dividend Yield
- ―
- Average Volume (3M)
- 6,060
- Price to Earnings (P/E)
- -0.0
- Beta (1Y)
- 0.92
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- 326
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Mortgages
CNFinance Holdings Business Overview & Revenue Model
Company Description
CNFinance Holdings Limited is a financial services provider based in the People's Republic of China, specializing in home equity financing. The company also offers microcredit solutions specifically designed for owners of micro and small enterprises,...
How the Company Makes Money
CNFinance Holdings makes money by earning fees and finance-related income tied to consumer lending. Its revenue model typically includes: (1) loan facilitation and related service fees earned for originating or arranging loans for borrowers (for exam...
CNFinance Holdings Earnings Call Summary
The earnings call highlighted the company's strategic focus on cost control, NPL recovery, and expansion into new business areas. However, these positives were countered by significant declines in loan transactions, loan balance, and interest income, alongside a net loss and increased nonperforming loan ratio.
Q2-2025 Updates
Positive Updates
Negative Updates
Company Guidance
In the first half of 2025, CNFinance Holdings Limited focused on strategic adjustments and business optimizations amid challenging market conditions, emphasizing a "survival first, victory first" principle. The company signed a total of 2,184 sales partners, a year-on-year increase of 2%, with 1,485 partners introducing borrowers, growing by 3.3%. However, proactive efforts to control loan issuance led to a 78.1% year-on-year decrease in loan transactions and an 85.4% drop in total loan origination. By June 30, 2025, the loan balance was RMB 11.2 billion, down 29.6% from the previous year. Despite a 55% decline in interest income to RMB 416 million, financing costs decreased by 32%, and operating expenses fell by 74%, demonstrating effective cost control. The net loss was RMB 40.4 million, largely due to an RMB 31.3 million impairment loss provision, with a nonperforming loan (NPL) ratio of 16.9%. The company achieved a 103% NPL recovery rate through diversified reduction measures, streamlined its organizational structure, and stabilized funding by engaging new institutional investors. Key priorities included reducing NPLs, ensuring stable funding, and expanding into new business areas by refining existing products and launching new ones.
CNFinance Holdings Financial Statement Overview
Summary
Fundamentals show a clear deterioration: 2025 shifted from prior-year profitability to a large loss with negative operating profit and net income, alongside a substantial revenue decline and weaker earnings visibility. Leverage improved into 2024 but remains elevated, and 2025 saw debt rise and equity fall. Cash flow was strong historically (2021–2024) but dropped materially in 2025, raising sustainability concerns.
Income Statement
28NegativeBalance Sheet
48NeutralCash Flow
54Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | -936.66M | 625.95M | 1.60B | 1.84B | 1.84B | 1.37B |
| Gross Profit | -936.66M | 544.27M | 828.34M | 995.45M | 841.97M | 900.76M |
| EBITDA | 0 | -54.72M | 59.83M | 207.39M | 174.83M | 97.59M |
| Net Income | -829.50M | -457.58M | 37.78M | 164.62M | 135.35M | 65.21M |
Balance Sheet | ||||||
| Total Assets | 9.12B | 10.26B | 15.03B | 16.36B | 14.48B | 14.39B |
| Cash, Cash Equivalents and Short-Term Investments | 336.64M | 820.25M | 1.79B | 2.70B | 2.41B | 3.48B |
| Total Debt | 3.03B | 4.22B | 5.95B | 8.96B | 7.87B | 8.10B |
| Total Liabilities | 5.95B | 6.67B | 10.97B | 12.36B | 10.54B | 10.57B |
| Stockholders Equity | 3.17B | 3.58B | 4.06B | 4.01B | 3.89B | 3.82B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 78.68M | 749.28M | 1.59B | 829.36M | 685.89M |
| Operating Cash Flow | 0 | 82.15M | 757.23M | 1.71B | 919.25M | 689.69M |
| Investing Cash Flow | 0 | 3.18B | -263.67M | -2.48B | -1.10B | -2.35B |
| Financing Cash Flow | 0 | -4.07B | -1.33B | 1.01B | -288.16M | 1.93B |
CNFinance Holdings Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNF, the sentiment is Positive. The current price of 2.02 is above the 20-day moving average (MA) of 1.91, above the 50-day MA of 1.97, and below the 200-day MA of 3.19, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 54.25 is Neutral, neither overbought nor oversold. The STOCH value of 82.70 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CNF.
CNFinance Holdings Risk Analysis
CNFinance Holdings disclosed 87 risk factors in its most recent earnings report. CNFinance Holdings reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
1 New RiskCNFinance Holdings Peers Comparison
Overall Rating
SNFCA78Outperform
VEL72Outperform
IOR61Neutral
GHI55Neutral- CNF42Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SNFCA | 78Outperform | $249.43M | 5.91 | 9.13% | ― | -1.14% | 73.36% |
| VEL | 72Outperform | $620.65M | 5.80 | 15.83% | ― | 31.59% | 17.94% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| IOR | 61Neutral | $73.19M | 20.87 | 2.95% | ― | ― | -13.27% |
| GHI | 55Neutral | $118.19M | -25.51 | -1.08% | 14.14% | -23.84% | -348.41% |
| CNF | 42Neutral | $32.87M | -0.01 | -24.56% | ― | ― | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CNF | Cnfinance Holdings | 2.02 | -2.92 | -59.11% | |
| GHI | Greystone Housing Impact Investors Lp | 4.72 | -2.63 | -35.79% | |
| SNFCA | Security National Financial | 9.22 | 1.50 | 19.38% | |
| IOR | Income Opportunity Realty Investors | 18.25 | -0.03 | -0.16% | |
| VEL | Velocity Financial, Inc. | 15.76 | -3.05 | -16.21% |
CNFinance Holdings Corporate Events
CNFinance Swings to Deep First-Half 2026 Loss as Credit Provisions Surge Amid Portfolio Cleanup
CNFinance reported unaudited financial results for the first half of 2026 on August 28, 2026, showing sharp pressure on its legacy loan book as total interest and fee income plunged to RMB89.5 million from RMB415.7 million a year earlier and net inte...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Sep 09, 2026