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CNFinance Holdings Limited (CNF)
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CNFinance Holdings Limited Balance Sheet 2025-2011 | CNF
Brief overview of CNFinance Holdings Limited's balance sheet strength
Balance sheet changes are traced across five available annual reports between 2021 and 2025.
Assets declined from 14.4 billion CNY to 10.2 billion CNY, or -28.8%. The contraction calls for context such as disposals, restructuring or weaker operations.
Growth in the asset base was not matched by liabilities: -28.8% versus -36.9%. The balance sheet moved in a more conservative direction.
Given the financial profile, the capital cushion is the main focus. It covers 34.9% of assets versus 26.5% five periods ago.
Accumulated earnings ended at 2.7 billion CNY, a change of -5.4%. They remain an important part of the capital base.
What the balance sheet shows
CNFinance Holdings Limited's balance sheet is broadly resilient, though selected areas require monitoring. The balance between assets, equity and liabilities remains the key issue.
Annual Balance Sheet CNFinance Holdings Limited
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-133 M | -622 M | -225 M | 219 M | - | 3.69 B | 4.95 B | 7.95 B | 11 B | 5.93 B | - | - | - | - | - |
Long Term Debt |
205 M | 549 M | 1.78 B | 1.99 B | - | 5.65 B | 6.65 B | 11.1 B | 12.2 B | 6.17 B | - | - | - | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 6.65 B | 11.1 B | - | - | - | - | - | - | - |
Total Liabilities |
6.67 B | 11 B | 12.4 B | 10.5 B | 10.6 B | 8.49 B | 9.43 B | 16.3 B | 16.4 B | 6.69 B | - | - | - | - | - |
Retained Earnings |
2.67 B | 3.14 B | 3.1 B | 2.96 B | 2.82 B | 2.76 B | 2.66 B | 2.13 B | 1.27 B | 734 M | - | - | - | - | - |
Total Assets |
10.2 B | 15 B | 16.4 B | 14.5 B | 14.4 B | 12.2 B | 13 B | 19.4 B | 18.2 B | 7.81 B | - | - | - | - | - |
Cash and Cash Equivalents |
338 M | 1.17 B | 2 B | 1.77 B | - | 1.96 B | 1.71 B | 3.16 B | 1.19 B | 233 M | - | - | - | - | - |
Book Value |
3.58 B | 4.06 B | 4.01 B | 3.94 B | 3.82 B | 3.74 B | 3.6 B | 3.05 B | 1.83 B | 1.12 B | - | - | - | - | - |
Total Shareholders Equity |
3.58 B | 4.06 B | 4.01 B | 3.94 B | 3.82 B | 3.74 B | 3.6 B | 3.05 B | 1.83 B | 1.12 B | - | - | - | - | - |
Annual performance
Select metrics to display
All numbers in CNY currency
Quarterly Balance Sheet CNFinance Holdings Limited
| 2025-Q4 | 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
259 K | 86.5 K | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
6.67 B | 11 B | 12.4 B | 10.5 B | - | - | - | 10.6 B | - | - | - | 8.49 B | - | - | - | 9.43 B | - | - | - | 16.3 B | - | - | - | 16.4 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
2.67 B | 3.14 B | 3.1 B | 2.96 B | - | - | - | 2.82 B | - | - | - | 2.76 B | - | - | - | 2.66 B | - | - | - | 2.13 B | - | - | - | 1.27 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
10.2 B | 15 B | 16.4 B | 14.5 B | - | - | - | 14.4 B | - | - | - | 12.2 B | - | - | - | 13 B | - | - | - | 19.4 B | - | - | - | 18.2 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
338 M | 1.17 B | - | - | - | - | - | 2.23 B | - | - | - | 1.96 B | - | - | - | 1.71 B | - | - | - | 3.16 B | - | - | - | 1.19 B | - | - | - | 233 M | - | - | - | 260 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
3.58 B | 4.06 B | 4.01 B | 3.94 B | - | - | - | 3.82 B | - | - | - | 3.74 B | - | - | - | 3.6 B | - | - | - | 3.05 B | - | - | - | 1.83 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
3.58 B | 4.06 B | 4.01 B | 3.89 B | - | - | - | 3.82 B | - | - | - | 3.74 B | - | - | - | 3.6 B | - | - | - | 3.05 B | - | - | - | 1.83 B | - | - | - | 1.12 B | - | - | - | 1.08 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
Select metrics to display
All numbers in CNY currency
Balance Sheet is a fundamental financial report of CNFinance Holdings Limited, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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