Stocktoria
CNFinance Holdings Ltd. CNF
NYSE · XNYS · stock · Finance Services · website · IPO 2018-11-07
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2/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Operating income | -$182.8M | -$399.8M | -$381.3M | -$338.6M | -$380.9M |
| Net income | — | — | — | $135.4M | $65.2M |
| Operating cash flow | $84.4M | $757.2M | $1.7B | $919.3M | $689.7M |
| Free cash flow | $80.9M | $749.3M | $1.6B | $829.4M | $685.9M |
| Total assets | $10.2B | $15.0B | $16.4B | $14.5B | $14.4B |
| Total liabilities | $6.7B | $11.0B | $12.4B | $10.5B | $10.6B |
| Shareholders' equity | $3.6B | $4.1B | $4.0B | $3.9B | $3.8B |
| Ratios | |||||
| Return on assets | — | — | — | 0.9% | 0.5% |
| Return on equity | — | — | — | 3.4% | 1.7% |
| Debt / equity | 0.06× | 0.14× | 0.44× | 0.51× | — |
Why these scores methodology →
Piotroski F-score: 2/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001733868 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.