The earnings call highlighted the company's strategic focus on cost control, NPL recovery, and expansion into new business areas. However, these positives were countered by significant declines in loan transactions, loan balance, and interest income, alongside a net loss and increased nonperforming loan ratio.

Company Guidance

In the first half of 2025, CNFinance Holdings Limited focused on strategic adjustments and business optimizations amid challenging market conditions, emphasizing a "survival first, victory first" principle. The company signed a total of 2,184 sales partners, a year-on-year increase of 2%, with 1,485 partners introducing borrowers, growing by 3.3%. However, proactive efforts to control loan issuance led to a 78.1% year-on-year decrease in loan transactions and an 85.4% drop in total loan origination. By June 30, 2025, the loan balance was RMB 11.2 billion, down 29.6% from the previous year. Despite a 55% decline in interest income to RMB 416 million, financing costs decreased by 32%, and operating expenses fell by 74%, demonstrating effective cost control. The net loss was RMB 40.4 million, largely due to an RMB 31.3 million impairment loss provision, with a nonperforming loan (NPL) ratio of 16.9%. The company achieved a 103% NPL recovery rate through diversified reduction measures, streamlined its organizational structure, and stabilized funding by engaging new institutional investors. Key priorities included reducing NPLs, ensuring stable funding, and expanding into new business areas by refining existing products and launching new ones.

Increase in Sales Partners

The company has signed a total of 2,184 sales partners, marking a year-on-year increase of 2%. Additionally, 1,485 sales partners introduced borrowers, representing a 3.3% growth.

Cost Control Success

Operating expenses fell by 74%, and financing costs decreased by 32%, demonstrating strong cost control capabilities.

NPL Recovery Rate

The company achieved a 103% nonperforming loan recovery rate in the first half.

Organizational Optimization

The company optimized its organizational structure and streamlined personnel, resulting in a significant reduction in operating costs.

Expansion into New Business Areas

The company expanded into new business areas, refined existing products, and launched new products that meet market demands.

CNFinance Holdings (CNF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CNF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Dec 02, 2025	2025 (Q3)	- / -	0.098	―	―	―
Aug 28, 2025	2025 (Q2)	- / -0.04	0.983	-104.29% (-1.03)	―
May 22, 2025	2025 (Q1)	- / -	―	―	―	―
Apr 30, 2025	2024 (Q4)	0.08 / -	0.07	―	―	―
Nov 28, 2024	2024 (Q3)	<0.01 / -	0.04	―	―	―
Aug 27, 2024	2024 (Q2)	0.06 / 0.98	0.042	2233.33% (+0.94)	―
May 23, 2024	2024 (Q1)	<0.01 / <0.01	0.004	66.67% (<+0.01)	―	―
Mar 28, 2024	2023 (Q4)	0.06 / 0.01	0.562	-97.50% (-0.55)	―
Nov 29, 2023	2023 (Q3)	0.06 / 0.06	0.042	33.33% (+0.01)	―
Aug 29, 2023	2023 (Q2)	0.06 / 0.04	0.014	200.00% (+0.03)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CNF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 28, 2025	$4.99	$4.10	-17.84%
May 22, 2025	$5.73	$5.38	-6.11%
Apr 30, 2025	$6.38	$7.59	+18.97%
Aug 27, 2024	$10.30	$12.00	+16.50%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does CNFinance Holdings Ltd (CNF) report earnings?

CNFinance Holdings Ltd (CNF) is schdueled to report earning on Dec 02, 2025, After Close (Confirmed).

What is CNFinance Holdings Ltd (CNF) earnings time?

CNFinance Holdings Ltd (CNF) earnings time is at Dec 02, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

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What is CNF EPS forecast?

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