CNFinance Holdings Ltd (CNF)

Official site

FINANCIAL SERVICES • MORTGAGE FINANCE • NYSE

$1.95

-0.08 (-3.94%)

Market Cap: $34.22M

Last updated: Oct 16, 2026 at 1:54 PM ET

Earnings

Performance (10Y)

Beat Rate

70%(14/20)

Avg Surprise

+258.33%

Streak

1 Q

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Aug 28, 2026Reported Aug 28	$N/A	N/A	-	N/A	Beat	-	-	-
Mar 31, 2026Mar 26 Reported Apr 30, 2026Reported Apr 30	$N/A	N/A	-	N/A	Beat	-	-	-
Sep 30, 2025Sep 25 Reported Dec 2, 2025Reported Dec 2	$0.00	$0.00	-	N/A	Beat	-	-	-
Jun 30, 2025Jun 25 Reported Aug 28, 2025Reported Aug 28	$-6.00	$0.00	-	N/A	Miss	-	-	-15100.0%
Mar 31, 2025Mar 25 Reported May 30, 2025Reported May 30	$0.00	$0.00	-	N/A	Beat	-	-	-100.0%
Dec 31, 2024Dec 24 Reported Jan 1, 2025Reported Jan 1	$0.80	$0.06	$0.06 - $0.06	+1233.33%	Beat	1	-	+700.0%
Sep 30, 2024Sep 24 Reported Nov 29, 2024Reported Nov 29	$0.00	N/A	-	-100.00%	Miss	0	0 1 30d	-100.0%
Jun 30, 2024Jun 24 Reported Aug 27, 2024Reported Aug 27	$0.04	$0.04	$0.04 - $0.04	+0.00%	Beat	1	No revisions (30d)	-86.7%
Mar 31, 2024Mar 24 Reported May 23, 2024Reported May 23	$0.05	$0.05	$0.05 - $0.05	+0.00%	Beat	0	No revisions (30d)	-83.3%
Dec 31, 2023Dec 23 Reported Mar 28, 2024Reported Mar 28	$0.10	N/A	-	-75.00%	Miss	1	No revisions (30d)	-75.0%
Sep 30, 2023Sep 23 Reported Nov 29, 2023Reported Nov 29	$0.40	$0.40	$0.40 - $0.40	+0.00%	Beat	0	No revisions (30d)	+33.3%
Jun 30, 2023Jun 23 Reported Aug 29, 2023Reported Aug 29	$0.30	$0.40	$0.40 - $0.40	-25.00%	Miss	1	No revisions (30d)	+200.0%
Mar 31, 2023Mar 23 Reported May 26, 2023Reported May 26	$0.30	$0.30	$0.30 - $0.30	+0.00%	Beat	1	No revisions (30d)	+0.0%
Dec 31, 2022Dec 22 Reported Mar 22, 2023Reported Mar 22	$0.40	$0.03	$0.03 - $0.03	+1233.33%	Beat	0	No revisions (30d)	+126.1%
Sep 30, 2022Sep 22 Reported Nov 22, 2022Reported Nov 22	$0.30	$0.10	$0.10 - $0.10	+200.00%	Beat	1	No revisions (30d)	+200.0%
Jun 30, 2022Jun 22 Reported Aug 24, 2022Reported Aug 24	$0.10	N/A	-	-66.67%	Miss	1	No revisions (30d)	-80.0%
Mar 31, 2022Mar 22 Reported May 26, 2022Reported May 26	$0.30	$0.03	$0.03 - $0.03	+900.00%	Beat	1	No revisions (30d)	-74.8%
Dec 31, 2021Dec 21 Reported Mar 18, 2022Reported Mar 18	$-1.53	$-0.06	$-0.06 - $-0.06	-2450.00%	Miss	1	No revisions (30d)	-318.6%
Sep 30, 2021Sep 21 Reported Nov 23, 2021Reported Nov 23	$0.10	N/A	-	-66.67%	Miss	1	No revisions (30d)	-66.7%
Jun 30, 2021Jun 21 Reported Aug 23, 2021Reported Aug 23	$0.50	$0.40	$0.40 - $0.40	+25.00%	Beat	0	No revisions (30d)	+150.0%
Mar 31, 2021Mar 21 Reported May 27, 2021Reported May 27	$1.19	$0.03	$0.03 - $0.03	+3866.67%	Beat	1	No revisions (30d)	+2480.0%
Dec 31, 2020Dec 20 Reported Mar 16, 2021Reported Mar 16	$0.70	$0.40	$0.40 - $0.40	+75.00%	Beat	1	No revisions (30d)	+454.7%
Sep 30, 2020Sep 20 Reported Nov 23, 2020Reported Nov 23	$0.30	$-0.20	-	+250.00%	Beat	-	-	-91.2%
Jun 30, 2020Jun 20 Reported Aug 24, 2020Reported Aug 24	$0.20	$-0.30	-	+166.67%	Beat	-	-	-93.8%
Mar 31, 2020Mar 20 Reported Apr 27, 2020Reported Apr 27	$-0.05	$-0.05	-	+0.00%	Beat	-	-	-101.9%
Dec 31, 2019Dec 19 Reported Mar 16, 2020Reported Mar 16	$0.13	N/A	-	N/A	Beat	-	-	-96.8%
Sep 30, 2019Sep 19 Reported Nov 20, 2019Reported Nov 20	$3.42	N/A	-	N/A	Beat	-	-	-31.6%
Jun 30, 2019Jun 19 Reported Jun 30, 2019Reported Jun 30	$3.23	N/A	-	N/A	Beat	-	-	+497.3%
Mar 31, 2019Mar 19 Reported Apr 15, 2019Reported Apr 15	$2.67	N/A	-	N/A	Beat	-	-	+470.0%
Dec 31, 2018Dec 18 Reported Dec 31, 2018Reported Dec 31	$3.96	N/A	-	N/A	Beat	-	-	+1012.9%
Sep 30, 2018Sep 18 Reported Dec 17, 2018Reported Dec 17	$5.00	N/A	-	N/A	Beat	-	-	+1748.4%
Jun 30, 2018Jun 18 Reported Jun 30, 2018Reported Jun 30	$0.54	N/A	-	N/A	Beat	-	-	+83.5%
Mar 31, 2018Mar 18 Reported Mar 31, 2018Reported Mar 31	$0.47	N/A	-	N/A	Beat	-	-	+80.1%
Dec 31, 2017Dec 17 Reported Dec 31, 2017Reported Dec 31	$0.36	N/A	-	N/A	Beat	-	-	-
Sep 30, 2017Sep 17 Reported Sep 30, 2017Reported Sep 30	$0.27	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jun 30, 2017Reported Jun 30	$0.29	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Mar 31, 2017Reported Mar 31	$0.26	N/A	-	N/A	Beat	-	-	-

Key Metrics

Valuation
P/E Ratio	N/A	EV/EBITDA	N/A
Price/FCF	-0.29x	FCF Yield	-343.78%
Profitability
Profit Margin	0.00%	Operating Margin	112.90%
ROE	-23.00%	ROIC	N/A
Financial Health
Debt/Equity	0.95x	Interest Coverage	0.06x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.17	Avg Volume	7.29K
52-Week High	$6.49	52-Week Low	$1.37

Technical Indicators Dashboard

Moving Averages

SMA 10$1.94

SMA 20$1.92

SMA 50$2.06

SMA 200$3.40

EMA 10$1.95

EMA 20$1.95

EMA 50$2.09

EMA 200$3.17

MACD

Line: -0.03Signal: -0.04Hist: 0.02

ADX

ADX: 25.9+DI: 16.5-DI: 25.2

Aroon & PSAR

Aroon Up76.0

Aroon Down76.0

PSAR$1.45

Bollinger Bands

Upper Band$2.05

Lower Band$1.79

%B Position1399%(Upper)

Band Width0.61

RSI (14-Day)

Neutral

48.2

Momentum Oscillators

Stoch %K68.6

Stoch %D67.3

Williams %R-32.6

ROC (10d)-2.5%

Momentum-0.05

CCI (20d)56.3

MFI (14d)19.2

Volatility Measures

ATR (14d)$0.15(7.6%)

StdDev (20d)0.07

Hist Vol54.7%(High)

Volume Flow

VWAP$1.95

OBV-2.8M

AD Line2.4B

CMF (20d)0.159

Volume Metrics

Avg Vol (20d)7.8K

Vol Ratio1.0x

VWMA (20d)$1.91

Pivot Points

R3$2.30

R2$2.20

R1$2.11

Pivot Point$2.01

S1$1.92

S2$1.82

S3$1.73

Advanced Oscillators

TSI-7.42

Ultimate Osc58.1

KST-46.48

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$-220,224,000	$-226,620,500	$-244,907,371	$-244,907,371	$44.03M	$44.03M	$605.39M	$135.93M	$176.70M	$176.70M	$193.04M	$441.38M
Cost of Revenue	N/A	N/A	$0	N/A	$320.65M	N/A	$486.49M	N/A	$560.91M	$164.70M	N/A	$181.13M
Gross Profit	$-220,224,000	$-226,620,500	$-244,907,371	$-244,907,371	$44.03M	$44.03M	$118.90M	$135.93M	$176.70M	$176.70M	$193.04M	$260.26M

Operating Expenses	$15.53M	$15.53M	$25.89M	$25.89M	$28.49M	$28.49M	$616.09M	$52.64M	$47.85M	$47.85M	$187.80M	$192.45M
R&D	$0	$1.90M	$1.90M	$1.90M	$0	$505,112	$0	$505,112	$0	$1.79M	$0	$0
SG&A	$0	$23.97M	$24.00M	$23.97M	$63.82M	$45.31M	$104.77M	$45.31M	$107.73M	$67.11M	$207.97M	$62.17M
Operating Income	$-235,755,500	$-242,152,000	$-270,799,631	$-270,799,631	$15.54M	$15.54M	$-10,700,480	$83.29M	$128.85M	$128.85M	$5.24M	$67.81M

Interest Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$445.03M	$424.93M
Interest Expense	$10.85M	$4.45M	$0	$0	$41.25M	$41.25M	$0	$88.64M	$99.35M	$187.18M	$187.18M	$169.62M
Income Before Tax	$-246,601,000	$-246,601,000	$-266,334,887	$-266,334,887	$-25,714,000	$-25,714,000	$-10,700,480	$-5,350,240	$29.49M	$29.49M	$15.49M	$67.81M
Income Tax Expense	$46.86M	$46.86M	$51.32M	$-51,323,867	$5.53M	$5.53M	$0	$272,463	$5.52M	$5.52M	$3.00M	$14.80M

Net Income	$-199,740,500	$-199,740,500	$-215,011,021	$-215,011,021	$-20,186,000	$-20,186,000	$-10,155,550	$-5,077,777	$23.97M	$23.97M	$18.50M	$53.00M

EBITDA	N/A	N/A	$0	N/A	N/A	N/A	N/A	N/A	$128.85M	$128.85M	$16.26M	$67.81M
EBIT	N/A	N/A	$0	N/A	N/A	N/A	N/A	N/A	N/A	$77.23M	$21.50M	$67.81M

* Some calculated fields are derived from available data when not provided by source

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News

CNFinance (CNF) Q2 2025 Earnings Call: Originations Fall 85.4% as NPL Focus Intensifies

CNFinance Holdings Limited reported a net loss of RMB 40.4 million in the first half of 2025, primarily due to a RMB 31.3 million impairment loss provision. The company drastically reduced loan originations by 85.4%...

TradingKey•Aug 24, 2026 4:18 AM ET8/24/26•Bearish

CNFinance Holdings Ltd. SEC Filing (Aug 17, 2026)

This article reports on an SEC filing by CNFinance Holdings Ltd. (NYSE: CNF), specifically an "EFFECT" filing with an effectiveness date of August 14, 2026...

Stock Titan•Aug 17, 2026 5:40 AM ET8/17/26•Neutral

CNFinance Holdings (NYSE: CNF) adds auditor consent in Form F-3 amendment

CNFinance Holdings Limited (NYSE: CNF) filed an exhibit-only amendment (Form F-3/A) to its registration statement on August 14, 2026, primarily to add the Consent of HTL International...

Stock Titan•Aug 14, 2026 9:12 AM ET8/14/26•Neutral

CNFinance Holdings Ltd (CNF) Earnings Forecast: Future EPS & Revenue Growth Estimates

The article provides an earnings forecast for CNFinance Holdings Ltd (CNF), indicating a current earnings forecast score of 8.00...

TradingKey•Aug 6, 2026 9:09 PM ET8/6/26•Bullish

CNFinance Holdings Ltd (CNF) Financial Health: Profitability & Balance Sheet Analysis

This article analyzes the financial health of CNFinance Holdings Ltd (CNF), noting its robust financial status but low operating efficiency...

TradingKey•Jul 28, 2026 5:40 PM ET7/28/26•Neutral

CNF Valuation and Fair Value

Forward P/E: 2.2x
P/FCF: -0.3x
P/B: 0.0x

See GNG's fair value

CNF Profitability: Margins, ROIC and FCF

Gross margin: 100.0%
Operating margin: 112.9%
Net margin: 0.0%
ROE: -23.0%
FCF yield: -343.8%

CNF Competitors

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AlphaVest Acquisition Corp Ordinary Shares	ATMV

Sector: Financial Services

CNF Bull Case vs Bear Case

Bear case

CNF beat EPS estimates in 12.5% of its last 8 reported quarters.
CNF's quarterly revenue changed -75.1% year over year.

CNF Earnings: Beat Rate and Next Report

Beat rate: 1 of 8 quarters (12.5%)
Average surprise: 211.7%

Frequently Asked Questions About CNF

Does CNF pay dividends?

CNFinance Holdings Ltd (CNF) does not currently pay a regular dividend.

What is CNF's market cap?

CNFinance Holdings Ltd (CNF) has a market capitalization of $34.22M with a current stock price of $1.95.

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