CNFinance Holdings Ltd. Sponsored ADR Aktie

2,84 $

2,07 %

NYSE , 25. Juni, 16:10 Uhr EDT. Geschlossen.

ISIN

US18979T1051

Symbol

CNF

Berichte

Quartal | Jahr

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Finanzdienstleistungen

Industrie

Finanzdienstleistungen

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CNFinance Holdings Ltd. Sponsored ADR Aktienkurs

2,84 $

-28,36 90,90 % 5 J.

NYSE, Schlusskurs Do, 25.06.2026

-0,06 2,07 %

ISIN

US18979T1051

Symbol

CNF

Berichte

Quartal | Jahr

Index

NYSE Composite

Sektor

Finanzdienstleistungen

Industrie

Finanzdienstleistungen

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Kennzahlen

Basis

Marktkapitalisierung

20,2 Mio. $

Enterprise Value

476,2 Mio. $

Nettoverschuldung

456,5 Mio. $

Cash

49,8 Mio. $

Anzahl Aktien

1,4 Mrd.

Bewertung (TTM | erwartet)

KGV

negativ

KUV

0,2 | 0,2

EV/Sales

5,0 | 3,5

EV/FCF

KBV

0,0

Finanzielle Stabilität

Eigenkapitalquote

34,9 %

Eigenkapitalrendite

-13,1 %

ROCE

-8,1 %

ROIC

Verschuldungsgrad

1,0

Finanzen (TTM | erwartet)

Umsatz

94,6 Mio. $ | 134,5 Mio. $

EBITDA

EBIT

-85,9 Mio. $

Nettogewinn

-69,2 Mio. $

Free Cashflow

Wachstum (TTM | erwartet)

Umsatz

-59,8 % | 42,1 %

EBITDA

EBIT

-1.309,6 %

Nettogewinn

-1.343,9 %

Free Cashflow

Marge

Brutto

12,4 %

EBITDA

EBIT

-90,8 %

Netto

-73,1 %

Free Cashflow

Weitere

EPS

-0,1 $

FCF je Aktie

Short Interest

0,1 %

Mitarbeiter

326

Umsatz je MA

290,0 Tsd. $

CNFinance Holdings Ltd. Sponsored ADR Aktie Analyse

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5 Analysten haben eine CNFinance Holdings Ltd. Sponsored ADR Prognose abgegeben:

4x Kaufen

80 %

1x Halten

20 %

Mehr Details zu Analystenschätzungen inkl. Kursziele

5 Analysten haben eine CNFinance Holdings Ltd. Sponsored ADR Prognose abgegeben:

Kaufen

80 %

Halten

20 %

Analystenschätzungen inkl. Kursziele

Beta CNFinance Holdings Ltd. Sponsored ADR Events

Vergangene Events

AUG

Q2 2025 Earnings Call

vor 10 Monaten

1. Management Discussion

Operator

Good day, and welcome to the CNFinance Holdings Limited First Half of 2025 Financial Results Conference Call. [Operator Instructions] Please note this event is being recorded.

I would now like to turn the conference over to IR Manager, Matthew Lou. Please go ahead.

Matthew Lou executive

Thank you, and welcome to the CNFinance First Half of 2025 Financial Results Conference Call. Our Director and Vice President, Mr. Jun Qian, will walk us through the operating and financial results. After that, we will have a Q&A section.

Before we start, I would like to remind you that this conference call contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminologies such as will, expects, anticipates, future, intends, plans, believes, estimates, target, going forward, outlook and similar statements.

Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond the company's control, which may cause the company's actual results, performance or achievements to differ materially from those in the forward-looking statements.

Further information regarding these and other risks, uncertainties or factors is included in the company's filings with the U.S. Securities and Exchange Commission. The company does not undertake any obligation to update any forward-looking statements as a result of new information, future events or otherwise, except as required under law.

Now please welcome Mr. Jun Qian.

Jun Qian executive

[Interpreted] Hello, everyone. In the first half of 2025, amidst the complex and ever-changing market environment, CNF adhered to the guiding principle of survival first, victory first, actively tackled challenges and steadily advanced strategic adjustments and business optimizations. Now I'd like to report to you on our operational and financial performance for the first half of the year.

As of June 30, 2025, our company has signed a total of 2,184 sales partners, marking a year-on-year increase of 2%. We had an aggregate of 1,485 sales partners who have introduced borrowers to us, representing a 3.3% growth. However, due to our proactive efforts to control loan issuance and focus on reducing nonperforming loans in our existing portfolio, the number of loan transactions decreased by 78.1% year-on-year and the total loan origination dropped by 85.4%.

By the end of the second quarter, our loan balance stood at RMB 11.2 billion, a decrease of 29.6% compared to that of last year. We adhere to the strategy of leveraging existing assets and optimizing new ones, focusing our resources on risk mitigation and asset quality enhancement. Although this approach puts pressure on short-term performance, it lays a solid foundation for long-term steady growth.

In the first half of the year, our interest income was RMB 416 million, a decline of 55% year-on-year. Financing costs decreased by 32% and operating expenses fell by 74%, demonstrating the company's strong cost control capabilities. Our net loss was RMB 40.4 million, primarily due to an impairment loss provision of RMB 31.3 million.

As of June 30, 2025, the nonperforming loan ratio of the company's loan was 16.9%. Although the NPL ratio rose, the increase of new NPLs was effectively contained. Through diversified NPL reduction measures, the company achieved 103% NPL recovery rate in the first half. During the first half, the company optimized its organizational structure and streamlined personnel, resulting in a significant reduction in operating costs.

In one word, our key priorities in the first half included: first, reducing NPLs by innovating and leveraging effective reduction tools. Second, we've stabilized our funding source by bringing in a bunch of new institutional investors, mainly local AMCs to ensure smooth financing channels. Third, we have expanded into new business areas. We refined our existing products and launched new ones that meet market demands.

Facing continued market challenges, the company will uphold the survival first, victory first principle. With containing nonperforming loans and optimizing new growth as the core strategy, we will persist in the 3 key priorities; dedicating resources to NPL reduction, ensuring stable funding channels and supporting new business development.

Operator

[Operator Instructions] There are no questions at this time. I'd like to hand the call back over for any closing remarks.

Matthew Lou executive

Thank you, and thank you again for joining us today. If you have any further questions, you can contact us at [email protected]. Thank you.

Operator

The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.

[Portions of this transcript that are marked [Interpreted] were spoken by an interpreter present on the live call.]

Finanzdaten von CNFinance Holdings Ltd. Sponsored ADR

Gewinn- und VerlustrechnungGuV Bilanz Cashflow

Quartal TTM Jährlich

Dez '25		+/- %
Umsatz	95 95	60 % 60 % 100 %
- Direkte Kosten	83 83	46 % 46 % 88 %
Bruttoertrag	12 12	86 % 86 % 12 %
- Vertriebs- und Verwaltungskosten	17 17	46 % 46 % 18 %
- Forschungs- und Entwicklungskosten	- -	- -
EBITDA	- -	- -
- Abschreibungen	- -	- -
EBIT (Operatives Ergebnis) EBIT	-86 -86	1.310 % 1.310 % -91 %
Nettogewinn	-69 -69	1.344 % 1.344 % -73 %

Angaben in Millionen USD.

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CNFinance Holdings Ltd. Sponsored ADR Aktie News

Neutral

PRNewsWire

●

vor etwa 2 Monaten

CNFinance Files Annual Report on Form 20-F for Fiscal Year 2025

GUANGZHOU, China, April 30, 2026 /PRNewswire/ -- CNFinance Holdings Limited (NYSE: CNF) ("CNFinance" or the "Company"), a leading home equity loan service provider in China, today announced that it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the U.S. Securities and Exchange Commission ("SEC") on April 30, 2026. The annual report can be accessed on the C...

Firmenprofil

CNFinance Holdings Ltd. ist im Bereich der Bereitstellung von Wohnungsbaudarlehen tätig. Sie erleichtert Kredite, indem sie die Eigentümer von Kleinst- und Kleinunternehmen mit ihren Finanzierungspartnern verbindet. Das Unternehmen wurde im Januar 2014 gegründet und hat seinen Hauptsitz in Guangzhou, China.

Hauptsitz	Cayman-Inseln
CEO	Mr. Zhai
Mitarbeiter	326
Gegründet	2014
Webseite	ir.cashchina.cn

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