CNFinance Holdings Limited (CNF) Reports Its Results for the Second Quarter of 2025

CNFinance Holdings Limited (NYSE:CNF) is one of the 10 Best Bank Penny Stocks to Buy Right Now.

On August 28, 2025, CNFinance Holdings Limited (NYSE:CNF) reported its results for the second quarter of 2025. The company ended the quarter with a total loan balance of roughly $1.55 billion, down nearly 30% YoY, and interest income of about $57 million, a 55% decline. Meanwhile, operating expenses experienced a sharp decline of 74%, while financing costs went down by 30%.

CNFinance Holdings Limited (NYSE:CNF) registered a net loss of roughly $5.6 million due to an impairment charge. Yet the company registered a 103% recovery rate on non-performing loans, reflecting its effective asset management. The company’s management commented that the short-term pressure on loan volumes and earnings is part of its deliberate plan to stabilize funding channels, contain bad loans, and build a more sustainable growth trajectory.

CNFinance Holdings Limited (NYSE:CNF) offers micro-credit loan services to small and micro-enterprise owners, while also providing loan facilitation, post-facilitation, and guarantee services for commercial banks and agency lending for financial institutions across China. It is one of the Best Penny Stocks.

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