#China #Guangzhou #Financial Services #CNFinance #Home Equity Loans

CNFinance Releases Annual Report for 2025

CNFinance Holdings Limited (NYSE: CNF), a prominent provider of home equity loans in China, has officially filed its annual report on Form 20-F with the U.S. Securities and Exchange Commission (SEC) for the fiscal year ending December 31, 2025. The company announced this filing on April 30, 2026, marking a key moment in its financial transparency initiatives.

The annual report, which is vital for investors and stakeholders, offers a comprehensive overview of the company's financial performance, strategy, and future outlook. This document is an essential resource for investors as it includes detailed insights into CNFinance’s business operations and financial health.

Access to the Annual Report

Interested parties can readily access the full report via the CNFinance investor relations website at ir.cashchina.cn and on the SEC’s official site at sec.gov. Additionally, the company is committed to ensuring that its shareholders and American Depositary Share (ADS) holders receive a hard copy of the annual report at no cost upon request. Shareholders can direct their requests to the CNFinance Investor Relations Department through the email address [email protected].

About CNFinance Holdings Limited

CNFinance is a leading player in the home equity loan sector in China, known for connecting borrowers with financial institutions through innovative business models. The company operates by partnering with sales agents and trust companies under a trust lending framework while also collaborating with commercial banks and local channel partners.

The company primarily serves micro and small enterprise (MSE) owners in first-tier and second-tier cities in China, providing much-needed access to financing solutions. By leveraging a network of sales partners and local channels, CNFinance efficiently connects borrowers with accredited financial institutions that are equipped to perform necessary risk assessments and make informed credit decisions.

Target Market and Risk Management

CNFinance's primary borrower demographics include MSE owners who own assets in major urban areas, thus targeting a segment that is often underserved in traditional lending. The company's approach to risk management is integral to its loan products, which are designed with robust features to mitigate risks associated with both borrowers and collateral. This is facilitated through an integrated online and offline process that emphasizes effective post-loan management and thorough risk assessments prior to financing.

In conclusion, CNFinance’s annual report for 2025 is a significant step towards enhancing its corporate transparency and accountability to its investors. The company remains committed to responsible lending practices, ensuring that it continues to address the financial needs of MSE owners in China while maintaining a strong focus on risk mitigation.