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CNF · NYSE · United States · Finance Services
In shortCNFinance Holdings Ltd. is loss-making.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -12.3% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | – | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 5 | 80/100 |
|---|---|---|
| Years of revenue decline (last 5) | – | n/a |
| Revenue growth volatility | – | n/a |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
No data reported.
The last 5 fiscal years from the company's annual reports.
CNY millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Research & development | 1.6 | 0.8 | 1.8 | 1 | 3.8 |
| Operating income | (381) | (339) | (381) | (400) | (183) |
| Interest expense | 776 | – | – | – | – |
| Pre-tax income | 94 | 173 | 206 | 48 | (584) |
| Income tax | 29 | 37 | 41 | 11 | (114) |
| Net income | 65 | 135 | 165 | 38 | (470) |
| Diluted EPS | ¥0.05 | ¥0.09 | ¥0.11 | – | – |
| Diluted shares (millions) | 1,526 | 1,527 | 1,446 | 1,283 | 1,372 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 30, 2026