CNFinance Holdings Limited (CNF)

NYSE: CNF · Finance Services · Guangdong Province, CN · filing with the SEC since 2018

Grade5.5

◀ Past 6.8● Present 5.2▶ Future 3.8

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In Chinese yuan (CNY), as filed; per-share figures in Chinese yuan; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Apr 30, 2026	Apr 30, 2025	Apr 26, 2024	Apr 25, 2023	Apr 27, 2022	Apr 28, 2021	Apr 27, 2020	Apr 25, 2019	·	·
For lenders
Interest and dividend income	·	·	·	1,731,352,575	1,815,773,980^r	1,854,823,409^r	2,970,161,495	4,292,664,966	3,410,447,769	1,243,545,829
Interest and investment income	484,992,923	1,343,738,056	1,579,868,355	1,573,405,364	1,759,906,523	1,828,687,910	·	·	·	·
Net interest income	63,916,604	744,101,601	1,031,513,734	946,576,038	1,040,208,365^r	1,123,508,044^r	1,660,325,796	2,349,605,444	2,000,542,084	800,884,505
Provision for credit losses	480,931,843	105,216,440	177,282,998	238,084,863	-298,467,893^r	77,348,480^r	362,735,159	433,753,901	306,752,951	111,362,044
Net interest income after provision	-449,062,448	483,131,134	592,751,021	445,215,631	913,046,680^r	631,055,136^r	1,123,548,583	1,915,851,543	1,693,789,133	689,522,461
Noninterest income	47,735,681	-35,023,681	-5,794,464	65,925,762	-438,352,497	·	128,460,746	-11,397,914	12,451,812	66,447,739
Noninterest expense	·	·	·	338,557,339	380,928,739	447,661,214	530,997,151	746,716,443	897,573,320	467,924,938
Research and development	3,790,202	1,010,223	1,791,754	760,465	1,602,095	9,960,607	2,430,338	1,419,878	4,794,998	8,507,265
Total operating expenses	67,122,182	187,322,734	121,520,772	85,889,497	100,500,388	124,042,182	182,678,536	113,555,657	·	·
Operating income	-182,771,008	-399,818,934	-381,321,978	-338,557,339	-380,928,739	·	·	·	·	·
Interest expense	·	·	·	·	775,565,615	731,315,365	1,309,835,699	1,943,059,522	1,409,905,685	442,661,324
Share of profit of equity-method investments	·	·	·	·	·	·	·	·	·	47,122
Income before income taxes	-584,097,775	48,288,519	205,634,579	172,584,054	93,765,444	162,701,566	721,012,178	1,157,737,186	808,667,625	288,045,262
Income tax expense	-113,703,733	10,504,073	41,017,018	37,232,643	28,557,980	47,849,040	186,368,236	296,828,475	275,994,868	52,603,423
Net income including non-controlling interests	-470,394,042	37,784,446	164,617,561	135,351,411	65,207,464	·	·	·	·	·
Net income	·	·	·	135,351,411	65,207,464	114,852,526	534,643,942	860,908,711	532,672,757	235,441,839
Earnings per share, basic	·	·	0.12	0.10	0.05	0.08	0.39	0.69	0.43	0.19
Earnings per share, diluted	·	·	0.11	0.09	0.05	0.08	0.36	0.62	0.40	0.19
Weighted average shares, basic	1,371,643,240	1,371,643,240	1,371,643,240	1,371,643,240	1,371,643,240	1,371,643,240	1,371,643,240	1,251,608,224	1,230,434,041	1,230,434,041
Weighted average shares, diluted	1,371,643,240	1,282,775,813	1,445,897,438	1,527,097,111	1,525,890,071^r	1,525,232,365	1,467,786,387	1,389,335,769	1,331,409,574	1,230,434,041

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest and investment income what its cash and investments earnedus-gaap:InvestmentIncomeInterest

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Research and development spent on inventing what it sells nextus-gaap:ResearchAndDevelopmentExpense

Total operating expenses the running costs togetherus-gaap:OperatingExpenses

Operating income profit from running the business, before interest and taxus-gaap:OperatingIncomeLoss

Interest expense what its borrowing costus-gaap:InterestExpense

Share of profit of equity-method investments its share of companies it partly ownsus-gaap:IncomeLossFromEquityMethodInvestments

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton CNF · research, not advice