CNFinance Holdings (CNF) Balance Sheet: Assets & Liabilities

CNFinance Holdings (CNF) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), CNFinance Holdings reported total assets of CNY 10.25B and total liabilities of CNY 6.67B. Shareholders' equity was CNY 3.58B, down 11.8% from CNY 4.06B a year earlier. Total debt stood at CNY 3.99B against CNY 820.25M in cash and short-term investments, a net debt position of CNY 3.17B. That puts debt-to-equity at 1.11, compared with 1.46 a year earlier.

CNFinance Holdings Balance Sheet Analysis

Values in billions CNY

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for CNFinance Holdings Limited (CNF) - Annual data in billions CNY
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	0.34	1.76	2.55	2.16	2.23	1.96	1.84	3.34	1.34
Short-Term Investments	0.03	0.04	0.15	0.24	1.09	0.42	0.65	0.68	0.36
Cash & Short-Term Investments	0.82	1.79	2.70	2.41	3.48	2.49	2.49	4.02	1.70
Accounts Receivable	0.08	0.20	0.57	0.08	0.20	0.04	0.07	0.05	0.06
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.62	-1.00	0.28	0.13	0.03	0.00	0.01	0.01	0.01
Total Current Assets	1.53	1.79	3.55	2.78	3.78	2.53	2.57	4.08	1.78
Non-Current Assets
Property, Plant & Equipment (Net)	0.19	0.21	0.04	0.03	0.02	0.02	0.05	0.02	0.02
Long-Term Investments	5.93	0.28	11.81	0.57	1.11	0.45	10.29	15.04	16.30
Intangible Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Non-Current Assets	2.30	12.61	0.88	0.73	0.93	0.53	0.10	0.00	0.00
Total Non-Current Assets	8.73	13.23	12.82	11.70	10.60	9.70	10.46	15.28	16.44
Total Assets	10.25	15.03	16.36	14.48	14.39	12.23	13.03	19.35	18.22
Current Liabilities
Accounts Payable	0.00	0.31	0.00	0.33	0.50	0.00	0.00	0.00	0.00
Short-Term Debt	3.31	5.35	7.11	5.68	4.65	3.49	0.87	4.21	3.51
Current Portion of Long-Term Debt	-	5.35	6.43	5.68	4.65	3.49	-	-	-
Accrued Liabilities	0.27	0.01	0.01	0.02	0.18	0.11	-	-	-
Other Current Liabilities	0.00	1.47	-0.20	0.01	0.00	0.01	-0.12	-0.69	-0.35
Total Current Liabilities	3.31	7.08	7.16	0.17	0.09	0.56	0.98	4.31	3.62
Non-Current Liabilities
Long-Term Debt	0.67	0.58	1.84	7.73	8.04	2.15	6.69	11.11	12.20
Deferred Tax Liabilities	0.08	0.07	0.07	0.07	0.15	0.40	0.36	0.00	0.00
Other Non-Current Liabilities	2.31	3.19	3.24	2.51	2.21	1.74	1.28	0.85	0.56
Total Non-Current Liabilities	3.36	3.89	5.19	10.38	10.48	7.93	8.45	12.00	12.77
Total Liabilities	6.67	10.97	12.36	10.54	10.57	8.49	9.43	16.31	16.38
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	2.67	3.14	3.10	2.96	2.82	2.76	2.66	2.13	1.27
Accumulated Other Comprehensive Income	-0.01	-0.01	-0.01	-0.01	-0.03	-0.02	0.00	0.00	0.00
Treasury Stock	0.12	0.12	0.12	0.09	-	-	-	-	-
Additional Paid-in Capital	0.92	1.05	0.91	1.02	1.02	1.00	0.94	0.92	0.57
Minority Interest	0.00	0.00	0.00	0.05	0.00	0.00	0.00	0.00	0.00
Shares Outstanding	1.37	1.37	1.37	1.37	1.37	-	-	-	-
Total Stockholders' Equity	3.58	4.06	4.01	3.89	3.82	3.74	3.60	3.05	1.83
Total Liabilities & Equity	10.26	15.03	16.36	14.48	14.39	12.23	13.03	19.35	18.22

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About CNFinance Holdings Balance Sheet

How much debt does CNFinance Holdings have?

CNFinance Holdings had total debt of CNY 3.99B as of Dec 31, 2025, against CNY 820.25M in cash and short-term investments. Its debt-to-equity ratio was 1.11. Total debt was CNY 5.93B a year earlier.

What are CNFinance Holdings's total assets?

CNFinance Holdings reported total assets of CNY 10.25B as of Dec 31, 2025, down 31.8% from CNY 15.03B a year earlier. Total liabilities were CNY 6.67B.

What is CNFinance Holdings's shareholders' equity?

CNFinance Holdings's shareholders' equity was CNY 3.58B as of Dec 31, 2025, or about CNY 2.61 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition