# CNFinance Holdings Limited (CNF)

- Sector: Financials · Industry: Mortgage Finance
- SEC CIK: 0001733868 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001733868))
- Full page: https://inspectstocks.com/stocks/cnf
- Data as of: price 2026-09-25; newest filing used 2026-08-28; latest fiscal period ended 2026-06-30

## Grade

**F-** on the balance-sheet rubric used for lenders, 1 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed |  |  |
| Earnings growing overall | failed |  |  |
| Earnings growing recently | failed |  |  |
| Earns well on its assets | failed |  |  |
| Book value per share growing | passed |  |  |

Business quality (the + / − mark): 2 of 9 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed |  |  |
| Healthy profit margin | failed |  |  |
| Strong operating margin | failed |  |  |
| Good return on equity | failed |  |  |
| Debt under control | passed |  |  |
| Turns sales into cash | passed |  |  |
| Earns a wide spread on lending | failed |  |  |
| Runs the bank efficiently | failed |  |  |
| Credit losses well covered | failed |  |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, converted from CNY at today's spot rate (every period alike).

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $16.6M |
| Net income, trailing twelve months | -$70.1M |
| Free cash flow, trailing twelve months | $12.1M |
| Net margin | -421.3% |
| Operating margin | -163.7% |
| Return on equity | -13.1% |
| Debt to equity | 0.23 |
| Share price | $1.97 |
| Market value | $13.5M |
| Price / sales | 0.8x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/cnf)
- [Financial statements](https://inspectstocks.com/stocks/cnf/financials)
- [Competitors](https://inspectstocks.com/stocks/cnf/peers)
- [Earnings](https://inspectstocks.com/stocks/cnf/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.