CNFinance Holdings Limited (CNF)

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

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Grade5.5

◀ Past 6.8● Present 5.2▶ Future 3.8

3 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of CNFinance Holdings Limited

Nine metrics read from its own filings, by tense

Headline grade

5.5/10

◀ Past6.840% of the headline

● Present5.235% of the headline

▶ Future3.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

8.4/10

Has it survived what it has been through?

No warning events in its filings since 2018.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

CNFinance Holdings Limited's filings since 2018 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

3.1/10

What has it actually done, year after year?

+5.7% a year over 7 filed years; profit years unseen.

weight 22% of this tense · 31st percentile among 104 sector filers · read for its customers

From the record

CNFinance Holdings Limited's 7 filed years say what it did: revenue went from CNY 1.2 billion in fiscal 2016 to CNY 1.7 billion in fiscal 2022, up 5.7% a year; it rose in 2 of 6 years; the deepest fall was 60% from fiscal 2018 to fiscal 2022 (its annual reports).

What it rests on

revenue growth over the filed span5.7%bottom 36% of its family
the share of years revenue rosebottom 22% of its family
the deepest fall from a revenue peak59.7%bottom 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

7.1/10

How has it treated the people who own it?

Share count shrank 3.5% a year. 1% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 71st percentile among 53 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, CNFinance Holdings Limited's diluted share count shrank about 3.5% a year, and dividends and buybacks returned about 1% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 7% of its family
cash returned against operating cash flowbottom 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.2/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

5.3/10

Is it financially healthy right now?

ROE -13%: lost 13¢ per shareholder dollar. Leverage 65%: owes 65¢ per asset dollar.

weight 45% of this tense · 53rd percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, CNFinance Holdings Limited lost about 13 cents for every dollar of shareholders' money. Leverage: it owed about 65 cents per dollar of assets, and net share issuance: its share count grew 6.9% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 37% of its family
return on equitytop 44% of its family
the share count against the year beforetop 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.9/10

How strong is its position in its industry?

bottom 49% of 114 in its family; net margin 7.8%.

weight 33% of this tense · 49th percentile among 114 sector filers · read for its customers

From the record

CNFinance Holdings Limited's standing among 114 graded names in its industry family: revenue of CNY 1.7 billion in fiscal 2022 is not ranked by size, since the family reports in another currency; a net margin of 7.8% ranks in the top 24%; revenue growth of -16.5% a year over the last 3 filed years ranks in the bottom 22% (its annual reports).

What it rests on

net margin7.8%top 24% of its family
three-year revenue growth-16.5%bottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 74 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 74 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CNFinance Holdings Limited's leadership is put at 5.5 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 74 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.8/1025% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

SI estimate

1.4/10

How much room does it have to grow?

SI estimate 1.4/10, confidence 35 of 100 (one part).

weight 33% of this tense · 14th percentile among 124 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, cash less debt against assets, which ranks in the bottom 14% of 124 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read: The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned: one part: cash less debt against assets, the one part on file, ranked among 124 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CNFinance Holdings Limited's room to expand is put at 1.4 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the bottom 14% of 124 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed

3.6/10

What could actually drive growth from here?

bottom 36% of 100 in its family for growth drivers.

weight 33% of this tense · 36th percentile among 100 sector filers · read for its customers

From the record

CNFinance Holdings Limited's growth drivers, from the filed years to fiscal 2022: revenue grew -16.5% a year over the last three filed years against 5.7% over all 7, slowing (bottom 23% of its family); the newest year grew -4.7% (bottom 29%); research spending grew 70.8% a year (top 18%); capital spending grew -65.9% a year (bottom 9%) (its annual reports). CNFinance Holdings Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-22.1 points a yearbottom 23% of its family
the newest year's revenue growth-4.7%bottom 29% of its family
three-year growth of research spending70.8%top 18% of its family
three-year growth of capital spending-65.9%bottom 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate

6.6/10

Did its newest year beat what its own record pointed to?

SI estimate 6.6/10, confidence 35 of 100 (one part).

weight 33% of this tense · 66th percentile among 83 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, revenue against the prior three years' pace, which ranks in the top 34% of 83 in its family; the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: one part: revenue against the prior three years' pace, the one part on file, ranked among 83 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CNFinance Holdings Limited's expectations vs reality is put at 6.6 of 10 with a confidence of 35 of 100, because read from one part only, revenue against the prior three years' pace, which ranks in the top 34% of 83 in its family; the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change. A filing that carries the missing parts replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CNF · research, not advice