CNF · CIK 0001733868
CNFinance Holdings Limited
Annual figures as reported, FY2015–FY2025. Ratios and growth rates derived on-page.
Finance Services
Company profile
Net income
−CN¥470.4M
▼ −1344.9% vs FY2024
Free cash flow
CN¥80.9M
▼ −89.2% vs FY2024
Diluted EPS
CN¥0.11
▲ +22.2% vs FY2022
Net income
Losses shown in terracotta
Profitability & returns
quality of earningsReturns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Buybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Net debt
Long-term debt less cash — negative means net cash
Growth rates
compounding, annualizedDiluted EPS CAGR
+11.2%
3y
−29.2%
5y
Free cash flow CAGR
−54.0%
3y
−40.8%
5y
Share count change (split-adjusted)
−10.1%
5y
Key ratios
derived per fiscal year| Fiscal year | ROE | ROA | Debt / equity |
|---|---|---|---|
| FY2025 | −13.1% | −4.6% | 0.06× |
| FY2024 | 0.9% | 0.3% | 0.14× |
| FY2023 | 4.1% | 1.0% | 0.44× |
| FY2022 | 3.5% | 0.9% | 0.51× |
| FY2021 | 1.7% | 0.5% | — |
| FY2020 | 3.1% | 0.9% | — |
| FY2019 | 14.9% | 4.1% | — |
| FY2018 | 28.3% | 4.4% | — |
| FY2017 | 29.1% | 2.9% | — |
| FY2016 | 21.0% | — | — |
| FY2015 | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | — | — | −CN¥182.8M | −CN¥470.4M | — | CN¥84.4M | CN¥3.6M | CN¥10.2B | CN¥6.7B | CN¥3.6B | CN¥338.2M | CN¥205.3M |
| FY2024 | — | — | −CN¥399.8M | CN¥37.8M | — | CN¥757.2M | CN¥7.9M | CN¥15.0B | CN¥11.0B | CN¥4.1B | CN¥1.2B | CN¥548.7M |
| FY2023 | — | — | −CN¥381.3M | CN¥164.6M | CN¥0.11 | CN¥1.7B | CN¥114.5M | CN¥16.4B | CN¥12.4B | CN¥4.0B | CN¥2.0B | CN¥1.8B |
| FY2022 | — | — | −CN¥338.6M | CN¥135.4M | CN¥0.09 | CN¥919.3M | CN¥89.9M | CN¥14.5B | CN¥10.5B | CN¥3.9B | CN¥1.8B | CN¥2.0B |
| FY2021 | — | — | −CN¥380.9M | CN¥65.2M | CN¥0.05 | CN¥689.7M | CN¥3.8M | CN¥14.4B | CN¥10.6B | CN¥3.8B | CN¥2.2B | — |
| FY2020 | — | — | — | CN¥114.9M | CN¥0.08 | CN¥1.1B | CN¥3.2M | CN¥12.2B | CN¥8.5B | CN¥3.7B | CN¥2.0B | — |
| FY2019 | — | — | — | CN¥534.6M | CN¥0.36 | CN¥1.3B | CN¥4.4M | CN¥13.0B | CN¥9.4B | CN¥3.6B | CN¥1.7B | — |
| FY2018 | — | — | — | CN¥860.9M | CN¥0.62 | CN¥1.3B | CN¥14.8M | CN¥19.4B | CN¥16.3B | CN¥3.0B | CN¥3.2B | — |
| FY2017 | — | — | — | CN¥532.7M | CN¥0.40 | CN¥1.3B | CN¥19.8M | CN¥18.2B | CN¥16.4B | CN¥1.8B | CN¥1.2B | — |
| FY2016 | — | — | — | CN¥235.4M | CN¥0.19 | CN¥379.9M | CN¥15.2M | — | — | CN¥1.1B | CN¥233.1M | — |
| FY2015 | — | — | — | — | — | — | — | — | — | CN¥1.1B | CN¥260.1M | — |
Latest filings
the most recent regulatory filingsF-3/AAMENDMENT NO. 1 TO FORM F-32026-07-01 ↗SCHEDULE 13DSEC filing2026-05-11 ↗6-KREPORT OF FOREIGN PRIVATE ISSUER2026-05-06 ↗6-KREPORT OF FOREIGN PRIVATE ISSUER2026-04-30 ↗20-FANNUAL REPORT2026-04-30 ↗3Insider ownership filing2026-04-07 ↗3Insider ownership filing2026-03-26 ↗3Insider ownership filing2026-03-18 ↗3Insider ownership filing2026-03-18 ↗3Insider ownership filing2026-03-18 ↗
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