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.

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

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.

While we acknowledge the potential of CNF to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than CNF and that has 100x upside potential, check out our report about this cheapest AI stock.

READ NEXT: 15 Stocks That Will Benefit From AI and 12 Best Quantum Computing Stocks to Buy According to Wall Street Analysts.

Disclosure: None.