profit from every $100 of sales.
$0$100
CNFinance Holdings
$1.87-6.50% today
-63.8% in 1 year
1-year low $1.741-year high $6.41
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What CNFinance Holdings sold, what it kept, and what it did with the cash.
Sales went from CN¥1.06 billion in 2022 to CN¥136 million in 2025, with -CN¥470 million of profit last year.
SalesProfit
CNFinance Holdings handed back 2% of the cash it generated last year.
Buybacks CN¥2M
Free cash flow 2025CN¥81M
Bought back its own sharesCN¥2M
Paid as dividends–
Cash vs. debtCN¥792M vs. CN¥685M
CNFinance Holdings vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| CNFinance Holdings | No profit yet | ||
 Rocket Companies | No profit yet | ||
 LIC Housing Finance | 5.7× · Cheap | ||
 PennyMac Financial Services | 6.3× · Cheap | ||
 PNB Housing Finance | 12.7× · Cheap |
AI analysis
An AI analyst reads CNFinance Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,060 | 1,114 | 806 | 136 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 135 | 165 | 38 | -470 | |
| 18.00 | 22.00 | 6.00 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 12.8% | 14.8% | 4.7% | -346.5% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 14,482 | 16,364 | 15,027 | 10,249 |
| Cash | 2,161 | 2,550 | 1,756 | 792 |
| Total debt | 7,756 | 8,270 | 5,955 | 685 |
| Total liabilities | 10,544 | 12,355 | 10,970 | 6,668 |
| 3,886 | 4,009 | 4,058 | 3,581 | |
| 8 | 7 | 7 | – | |
| – | – | – | – | |
| 3.5% | 4.1% | 0.9% | -13.1% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 919 | 1,706 | 757 | 84 | |
| 90 | 115 | 8 | 4 | |
| 829 | 1,591 | 749 | 81 | |
| Dividends paid | – | – | – | – |
| 88 | 31 | 5 | 2 | |
| 6 | 8 | 15 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- 2.7×
- –
- 0.1×
- 1.5×
- -224.0%
- 0.0%
Profitability
- -346.5%
- 1.2%
- -0.5%
- -1.2%
- -0.4%
Growth
- −49.6%
- –
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 29%of 854
Top 13%of 733
Bottom 2%of 878
Top 5%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Aug 28, 2025 | -60.00 | 0.13 | −47,870.7% |
| Mar 27, 2025 | 0.04 | 0.06 | −33.3% |
| Jan 1, 2025 | 0.10 | – | – |
| Sep 3, 2024 | 0.08 | 0.11 | −27.3% |
| Aug 27, 2024 | 0.08 | 0.01 | +700.0% |
| Mar 28, 2024 | 0.40 | 1.10 | −63.6% |
| Nov 29, 2023 | 1.00 | 1.10 | −9.1% |
| Aug 29, 2023 | 0.80 | 1.20 | −33.3% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
49No pass
Benjamin Graham
58No pass
Philip Fisher
52No pass
Peter Lynch
29No pass
Joel Greenblatt
2No pass
Charlie Munger
42No pass
Terry Smith
32No pass
Questions about CNFinance Holdings
Is CNFinance Holdings a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the CNFinance Holdings AI analysis
What does CNFinance Holdings do?
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. It is in Mortgage Finance.
Does CNFinance Holdings pay a dividend?
No. CNFinance Holdings does not pay a dividend at the moment; in 2025 it returned $1.78 million to shareholders by buying back its own shares.
Is CNFinance Holdings stock halal?
No. CNFinance Holdings does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has CNFinance Holdings stock done over the past year?
Down 63.8% over the past twelve months, to $1.87. It traded between $1.74 and $6.41 and is 70.8% below its high.
Who are CNFinance Holdings's competitors?
The largest listed companies in the same industry are Rocket Companies, LIC Housing Finance, PennyMac Financial Services and PNB Housing Finance. The peers table on this page compares their profit, growth and price with CNFinance Holdings's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.