Cnfinance Holdings Ltd. key statistics and ratios

In fiscal 2025, Cnfinance Holdings Ltd. had return on equity of -12.3% and a net margin of -421.3%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Cnfinance Holdings Ltd.: financial ratios, annual
Fiscal year	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025
Net margin	27.1%	26.5%	36.8%	29.9%	10.8%	13.4%	16.0%	5.3%	−421.3%
Return on equity	22.0%	35.6%	36.0%	16.1%	1.8%	3.5%	4.1%	0.9%	−12.3%
Return on assets	—	2.8%	4.6%	3.3%	0.5%	0.9%	1.1%	0.2%	−3.7%
Effective tax rate	18.3%	34.1%	25.6%	25.8%	30.5%	21.6%	19.9%	21.8%	—
R&D as % of revenue	1.0%	0.2%	0.1%	0.1%	0.3%	0.1%	0.2%	0.1%	3.4%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CNF vs FOA CNF vs TFSL AGM vs CNF

More: Commercial & Residential Mortgage Finance stocks compared, Financials sector, rankings of US companies

Figures from Cnfinance Holdings Ltd.'s SEC filings (10-K and 10-Q), retrieved November 2, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Cnfinance Holdings Ltd.