CNFinance Holdings Ltd. (CNF) stock

CNFNYSEFinance ServicesFiscal year ends December 31

Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 30, 2026Score 4/30

$1.87−0.13 (-6.50%)

Close on Nov 12, 2026Market cap $12.82MP/E –Yield –

CNFinance statistics

61 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: –
Last ex-dividend date: No dividends
Fundamentals through: Dec 31, 2025
Share price as of: –

Valuation ratiosIndustry

Market Cap: CN¥85.62M; CN¥485.60M
Enterprise Value: -CN¥280.97M; CN¥2.78M
PS Ratio: 0.77; 0.57
PB Ratio: 0.02; 0.16
P/TBV Ratio: 0.02; 0.16
P/FCF Ratio: 1.06; 0.78
P/OCF Ratio: 1.01; 0.88

Enterprise valuationIndustry

EV / Sales: -2.52; 0.10
EV / FCF: -3.47; -0.31

Share statisticsIndustry

Shares Outstanding: 1.37B; 469M
Shares Change (YoY): 6.93%; 2.86%
Shares Held by Institutions: 0.05%; 0.29%

Short sellingIndustry

Short Interest: 5,224; –
Short Interest Change: 38.9%; -10.7%
Days to Cover: 1.60; 1.60

Stock price statisticsIndustry

Price Change (1 Week): -6.03%; -5.68%
Price Change (1 Month): -7.88%; -20.2%
Price Change (3 Months): -16.9%; -39.0%
Price Change (6 Months): -48.8%; -60.7%
Price Change (YTD): -69.1%; -73.3%
Price Change (1 Year): -64.0%; -76.7%
Price Change (3 Years): -90.1%; -70.8%
Price Change (5 Years): -96.3%; -91.4%
Average Volume (10 Days): 9,417; –
Average Volume (20 Days): 6,263; –
Average Volume (90 Days): 13,810; –
Relative Volume: 0.53; 0.24
Relative Strength Index (14): 43.7; 37.0
Volatility (1 Year): 79.4%; 74.2%
Beta (5 Years): 0.60; 1.03

MarginsIndustry

Operating Margin: -163.7%; -47.7%
Pretax Margin: -523.1%; 19.3%
EBITDA Margin: -149.4%; 8.39%
FCF Margin: 72.4%; 56.5%

Returns on capitalIndustry

Return on Invested Capital (ROIC): -2.41%; -1.07%

GrowthIndustry

Revenue Growth (YoY): -84.3%; -2.45%
FCF Growth (YoY): -89.2%; -6.77%
Revenue Growth (3Y CAGR): -52.0%; 0.93%

EfficiencyIndustry

Asset Turnover: 0.01; 0.14
Revenue Per Employee: CN¥715.72K; CN¥720.85K
Employee Count: 156; 643
WACC: 7.96%; 8.68%

Income statement (TTM)Industry

Revenue: CN¥111.65M; CN¥2.86B
Operating Income: -CN¥182.77M; -CN¥85.75M
Pretax Income: -CN¥584.10M; CN¥483.15M
EBITDA: -CN¥166.79M; CN¥11.27M

Balance sheetIndustry

Cash & Short-Term Investments: CN¥366.59M; CN¥2.16B
Net Cash (Debt): CN¥366.59M; CN¥1.13B
Net Cash Per Share: 0.27 CNY; 1.85 CNY
Equity (Book Value): CN¥3.58B; CN¥8.55B
Book Value Per Share: 2.61 CNY; 18.94 CNY
Tangible Book Value: CN¥3.58B; CN¥8.53B

Cash flow (TTM)Industry

Operating Cash Flow: CN¥84.45M; CN¥980.49M
Capital Expenditures: -CN¥3.57M; -CN¥84.19M
Free Cash Flow: CN¥80.88M; CN¥677.88M
FCF Per Share: 0.06 CNY; 3.08 CNY

Dividends and yieldsIndustry

FCF Yield: 94.5%; 128.1%
Buyback Yield: 2.08%; 12.0%
Shareholder Yield: 2.08%; 12.0%

Taxes and interestIndustry

Income Tax: -CN¥113.70M; CN¥173.99M

Scores and fair valueIndustry

Altman Z-Score: 0.32; 0.94

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

Period	CNF	S&P 500	Difference	CNF per year	S&P 500 per year
1 month	-3.6%	-2.7%	−0.9 pts
3 months	-18.3%	-1.7%	−16.6 pts
Year to date	-69.1%	+11.9%	−81.0 pts
1 year	-63.8%	+12.0%	−75.8 pts
3 years	-90.2%	+78.2%	−168.3 pts	-53.8%	+21.2%
5 years	-96.3%	+73.2%	−169.6 pts	-48.4%	+11.6%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

0M CNF shares were sold short on Oct 30, 2026, up 38.9% from the previous report. At recent volumes it would take 1.6 days to buy them back. Over the last 20 sessions, 41.9% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	5,224	+38.9%	3,264	1.6
Oct 15, 2026	3,760	+39.0%	9,732	1.0
Sep 30, 2026	2,705	-42.8%	4,854	1.0
Sep 15, 2026	4,730	+31.9%	4,746	1.0
Aug 31, 2026	3,586	-36.5%	4,445	1.0
Aug 14, 2026	5,649	-36.2%	8,916	1.0
Jul 31, 2026	8,848	+257.9%	54,584	1.0
Jul 15, 2026	2,472	-5.8%	14,669	1.0
Jun 30, 2026	2,624	+35.2%	3,335	1.0
Jun 15, 2026	1,941	-56.0%	2,312	1.0
May 29, 2026	4,413	+671.5%	6,460	1.0
May 15, 2026	572	-7.7%	10,894	1.0

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in CNFinance's annual and quarterly filings with the SEC
Per-share figures adjusted for the 1-for-10 reverse split on Sep 5, 2025
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is CNF.

Compare: CNF vs JFU · CNF vs BTBT · CNF vs AMBR · CNF vs ORIO · CNF vs DEFT

Company	Revenue	Growth
BTBT	$119.44M	+11.6%
CNF	CN¥111.65M	-84.3%
JFU	–	–
AMBR	–	–
ORIO	–	–
DEFT	–	–

Company

Exchange: NYSE
Industry: Finance Services
Fiscal year ends: December 31
Employees: 156
Held by institutions: 0.1%
Auditor: HTL International, LLC
SEC CIK: 1733868

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