CNFinance Holdings Limited Sponsored ADR reports unaudited financial results for first half of 2026. Half-year financial results provide performance data that can shift near-term investor sentiment and stock price.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2022 | ‡‡‡‡‡ |
|
| 2021 | ‡‡‡‡‡ |
|
| 2020 | ‡‡‡ |
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 305.87 | 185.34 | 59.74 | 49.62 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 1,931.58 | 1,631.54 | 850.07 | 767.69 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | — | — | — | — |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 3.63 | 2.13 | 1.10 | 0.73 |
| 10y | 5y | 3y | |
| Sales | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | — | ‡‡‡ | ‡‡‡ |
| Book Value | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | — | — | — | — |
—
|
| ’25 | — | — | — | — |
92.42
|
| ’24 | — | — | — | — |
223.56
|
| ’23 | 72.00 | 65.16 | 60.70 | 64.10 |
261.96
|
| ’22 | 69.99 | 64.55 | 58.39 | 89.32 |
282.25
|
| ’21 | 66.47 | 72.06 | 73.28 | 74.72 |
286.52
|
| ’20 | 75.40 | 70.96 | 76.44 | 50.31 |
273.10
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | — | — | — | — |
—
|
| ’25 | — | (39.56) | — | — |
11.75
|
| ’24 | — | — | — | — |
105.33
|
| ’23 | — | — | — | 241.02 |
241.02
|
| ’22 | — | — | 135.49 | 1.12 |
136.60
|
| ’21 | — | — | — | 106.90 |
106.90
|
| ’20 | — | — | — | 162.23 |
162.23
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | — | — | — | — |
—
|
| ’25 | — | (39.90) | — | — |
11.31
|
| ’24 | — | — | — | — |
104.34
|
| ’23 | — | — | — | 224.85 |
224.85
|
| ’22 | — | — | 135.31 | (12.02) |
123.29
|
| ’21 | — | — | — | 106.40 |
106.40
|
| ’20 | — | — | — | 162.07 |
162.07
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | — | — | — | — |
—
|
| ’25 | — | — | — | — |
(9.46)
|
| ’24 | — | — | — | — |
0.80
|
| ’23 | 0.90 | 0.80 | 1.00 | 0.40 |
3.20
|
| ’22 | 1.00 | 0.40 | 0.90 | 0.60 |
2.60
|
| ’21 | 1.80 | 1.50 | 0.40 | (2.40) |
1.40
|
| ’20 | (1.40) | 0.50 | 1.00 | 2.20 |
2.40
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 12.50 | 14.10 | 8.10 | 2.36 | — | — | — |
Low Price
|
| — | — | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 48.60 | 41.00 | 28.40 | 13.90 | — | — | — |
High Price
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 930 | 897 | 691 | 326 | — | — | — |
Employees
|
| ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.30 | 0.29 | 0.32 | 0.28 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 282.25 | 261.96 | 223.56 | 92.42 | ‡‡‡‡‡ | — | — |
Revenue
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 58.68% | 61.00% | 50.57% | 22.96% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 25.65 | 29.06 | 6.72 | (81.25) | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.09% | 11.09% | 3.00% | (87.91%) | ‡‡‡ | — | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 20.11 | 23.26 | 5.26 | (65.43) | — | — | — |
Net Income
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.33 | 0.25 | 1.61 | 2.22 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 41.15 | 38.20 | 32.60 | 13.48 | ‡‡‡‡‡ | — | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | ‡‡‡ | 2.90 | 3.40 | 0.80 | (9.46) | — | — | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 19.92 | 35.14 | 15.36 | 1.71 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.94) | (2.36) | (0.14) | (0.06) | ‡‡‡ | — | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.98 | 32.79 | 15.21 | 1.65 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 85.32 | 82.60 | 82.30 | 72.63 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.86 | 6.86 | 6.86 | 6.86 | ‡‡‡‡‡ | — | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.00 | 6.47 | 2.79 | 1.78 | — | — | — |
PE Ratio
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.38 | 0.58 | 0.25 | 0.16 | ‡‡‡ | — | — |
PS Ratio
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.18 | 0.27 | 0.12 | 0.07 | ‡‡‡ | — | — |
PB Ratio
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.45 | 4.49 | 4.58 | 2.76 | ‡‡‡‡ | — | — |
EV/Sales
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | 4.65 | 2.59 | 2.64 | 2.35 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 136.60 | 241.02 | 105.33 | 11.75 | ‡‡‡ | — | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (13.31) | (16.17) | (0.99) | (0.43) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 123.29 | 224.85 | 104.34 | 11.31 | — | — | — |
FCF
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,846.04 | 1,927.96 | 1,629.41 | 848.97 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,999.05 | 1,261.84 | 1,057.51 | 478.44 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,714.15 | 955.96 | 872.17 | 418.71 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 585.14 | 566.46 | 564.41 | 498.07 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.92% | 1.04% | 0.24% | (3.72%) | — | — | — |
ROA
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.70% | 1.19% | 0.29% | (5.54%) | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.42% | 4.04% | 0.93% | (12.32%) | — | — | — |
ROE
|
CNFinance Holdings (CNF), a Chinese home equity lender battered by P2P crackdowns, COVID disruptions, and real estate woes, has shrunk dramatically since its 2018 IPO peak—revenue down 65%, workforce slashed 86%, shares crushed 96% from highs—yet shows gritty resilience. Free cash flow per share averaged $20.70 over 2019-2024, funding a 70% debt plunge to $1.06 billion, while revenue per employee tripled to $324,000 and book value per share edged up 8%. Profit margins cratered from 27% to 3%, but at 0.12x book, 0.25x sales, and 2.8x PE, the stock screams oversold contrarian value amid China’s fintech graveyard.
Analysts, in rare unison, forecast explosive 351% revenue growth to $1.01 billion in 2025, with price targets implying 2,440% upside—echoing dot-com mania before Beijing’s deleveraging hammer fell. No insider buys signal caution, and projected 0% EBT margins hint at profitless growth gambles tied to SME stimulus dreams.
Skeptics beware: property pitfalls, U.S. delisting threats, and geopolitical crosswinds could prolong the pain, mirroring Japan’s 1990s lender survivors. But with FCF yields trouncing bonds and asymmetry tilting positive, Q1 2025 originations could ignite a re-rating—or expose the hype. Dive deeper for the full risk-reward dissection.
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