CNFinance Holdings Ltd (NYSE:CNF)

Q2 2025 CNFinance Holdings Ltd Earnings Call Transcript

Aug 28, 2025 / 12:00PM GMT

Release Date Price: $4.1 (-17.90%)

Transcript

Key Points

Positve

CNFinance Holdings Ltd (CNF) signed a total of 2,184 sales partners, marking a year-on-year increase of 2%.
The company achieved a 103% nonperforming loan (NPL) recovery rate in the first half of 2025.
Operating expenses fell by 74%, demonstrating strong cost control capabilities.
The company optimized its organizational structure and streamlined personnel, resulting in significant cost reductions.
CNFinance Holdings Ltd (CNF) expanded into new business areas and launched new products to meet market demands.

Negative

The number of loan transactions decreased by 78.1% year on year.
Total loan origination dropped by 85.4%, reflecting a significant decline in lending activity.
The loan balance decreased by 29.6% compared to the previous year.
Interest income declined by 55% year on year.
The nonperforming loan ratio rose to 16.9%, indicating increased credit risk.

Operator

Good day, and welcome to the CNFinance Holdings Limited first-half of 2025 financial results conference call. (Operator Instructions) Please note this that is being recorded.

I would now like to turn the conference over to IR Manager, Matthew Lou. Please go ahead.

Matthew Lou

CNFinance Holdings Ltd - Investor Relations

Thank you. and welcome to the CNFinance first-half of 2025 financial results conference call. Our Director and Vice President, Mr. Qian Jun, will walk us through the operating and financial results. After that, we will have a Q&A session.

Before we start, I would like to remind you that this conference call contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 as amended and as defined in the US Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as will, expects, anticipates, future, intends, plans, believes, estimates, target, going forward, outlook, and similar statements.

Such statements

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