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Delisting riskEarnings in 3d

CNF · NYSE · Financial - Mortgages

CNFinance (ADR)

Facilitator of property-backed working-capital loans for Chinese small-business owners.

$2.10

After-hours close−0.09 (−4.33%)

At close$2.20(+0.92%)

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Profile

CNFinance Holdings LimitedCNFFinancials

Facilitates property-backed working-capital loans for Chinese micro- and small-enterprise owners, pairing borrowers with trust companies and commercial banks while maintaining a supplemental direct-lending business. Its trust model places it in subordinated funding positions alongside loan-origination and servicing work.

Connects property-owning micro- and small-enterprise owners in China with trust companies and commercial banks for home-equity-backed working-capital loans. Applications combine online processing with local checks of borrowers and property, and loans may be supported by first- or second-lien residential or commercial real estate.

Earns income through its economic interest in trust plans, including subordinated units, alongside interest, financing-service fees, and bank-partnership facilitation and post-loan services. Licensed small-loan businesses provide supplemental direct lending, while sales partners supply most borrowers.

Operates through Chinese subsidiaries and consolidated entities, while the Cayman Islands parent has no operations. Property collateral, sales-partner conduct, PRC regulatory interpretation, and continued trust and bank funding are central dependencies; the parent relies on dividends from PRC subsidiaries, which PRC rules can restrict.

Company facts

CEOBin Zhai

ListedNov 7, 2018

ExchangeNYSE

HeadquartersGuangzhou, China

CountryChina

Employees326

CIK0001733868

ISINUS18979T2042

Key statistics

Market cap$6.6M

EPS (ttm)−$200.33

P/E (ttm)−0.0109

ROE-12.4%

P/B0.0014

P/S−0.1100

Dividend yield—

Beta0.30vs XLF −0.37

Year to date −63.4% · Average volume (30d) 7.6K

Analysts

No analyst consensus on record.

Earnings

EPS

Estimate$0.03

ReportedDue Sep 1, 2026

Revenue

Estimate$61.5M

ReportedDue Sep 1, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Apr 30, 2026	$0.00	−$0.88	—	$61.4M	−$35.0M	−157.0%	+3.35%
Aug 28, 2025Q2 FY25	$0.13	−$0.04	−133.3%	$148.9M	$58.0M	−61.0%	0.00%
Apr 30, 2025Q1 FY25	$0.01	−$8.24	−82,504.0%	—	$6.0M	—	+10.67%
Mar 27, 2025Q4 FY24	$0.01	−$1.81	−26,492.3%	$72.9M	$18.6M	−74.5%	−5.06%

View details

Financial highlights

	Q3 FY24	Q4 FY24	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25
Revenue	$20.2M	$20.2M	$6.6M	$6.6M	−$36.4M	−$36.4M
Gross profit	$20.2M	$20.2M	$6.6M	$6.6M	−$36.4M	−$36.4M
Operating income	$12.4M	$12.4M	$2.3M	$2.3M	−$40.3M	−$40.3M
Net income	−$755.5K	−$755.5K	−$3.0M	−$3.0M	−$32.0M	−$32.0M
Diluted EPS	−$1.96	−$1.96	−$8.93	−$8.93	−$91.57	−$91.57
Gross margin	100.0%	100.0%	100.0%	100.0%	—	—
Operating margin	61.3%	61.3%	35.3%	35.3%	—	—

Fiscal years (4-quarter sums)FY21 $208.8M · FY22 $265.7M · FY23 $273.4M · FY24 $93.0M · FY25 −$59.8M

Balance sheet, Dec 31, 2025Cash & short-term investments $122.0M · Total debt $513.6M · Total assets $1.52B · Shareholders' equity $532.8M

Dividends

No dividends on record.

Ownership

Institutions 23.57%Insiders —

Shares outstanding 3.00M · Float —

Insiders — filings are in the shares behind the receipt.

This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.

Insider tradesForm 4

Nothing filed in the last 12 months.