6-K
CNFinance Holdings Ltd. (CNF)
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 6-K
REPORT OF FOREIGN ISSUERPURSUANT TO RULE 13a-16 OR 15d-16 OFTHE SECURITIES EXCHANGE ACT OF 1934
For the month of February 2026
Commission file number: 001-38726
CNFinance Holdings Limited
(Exact Name of Registrant as Specified in Its Charter)
22/F, South FinanceCenter, No. 6 Wuheng Road
Tianhe District, GuangzhouCity, Guangdong Province
People’s Republicof China
+86-20-62316688
(Address of Principal Executive Offices)
Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.
Form 20-F ☒ Form 40-F ☐
EXHIBIT INDEX
| Exhibit No. | Description |
|---|---|
| 99.1 | Consolidated statements of cash flows for the six months ended June 30, 2025 |
1
Signature
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| CNFINANCE HOLDINGS LIMITED | |||
|---|---|---|---|
| Date: February 11, 2026 | By: | /s/ Bin Zhai | |
| Name: | Bin Zhai | ||
| Title: | Chief Executive Officer and Chairman |
2
Exhibit 99.1
CNFINANCE HOLDINGS LIMITED
Consolidated statements of cash flows
(Amount in Renminbi (“RMB”))
| Six months ended June 30 | ||||||
|---|---|---|---|---|---|---|
| 2025 | 2024 | |||||
| RMB | RMB | |||||
| Cash flows from operating activities: | ||||||
| Net (loss)/ income | (40,372,304 | ) | 47,940,590 | |||
| Adjustments to reconcile net income to net cash (used in)/provided by operating activities: | ||||||
| Provision for credit losses | 31,249,951 | 170,750,614 | ||||
| Depreciation and amortization | 5,353,689 | 2,094,959 | ||||
| Net losses on disposal of property and equipment | 2,657 | - | ||||
| Net loss on disposal of non-marketable equity securities and investment securities | 4,125,037 | (1,150,084 | ) | |||
| Foreign exchange gains | 56,233 | - | ||||
| Deferred tax benefit | (37,750,767 | ) | (16,090,729 | ) | ||
| Net losses on sale of loans | 20,490,504 | 1,754,394 | ||||
| Loans held-for-sale: | ||||||
| Originations and purchases | (1,520,000 | ) | (64,480,000 | ) | ||
| Proceeds from sales and paydowns of loans originally classified as held-for-sale | 188,017,703 | 471,712,548 | ||||
| Changes in operating assets and liabilities: | ||||||
| Deposits | 49,316,342 | (11,420,510 | ) | |||
| Credit risk mitigation position | (87,112,092 | ) | 55,741,261 | |||
| Other operating assets | (324,965,276 | ) | 167,620,436 | |||
| Other operating liabilities | (93,135,970 | ) | 212,096,176 | |||
| Net cash (used in)/provided by operating activities | (286,244,293 | ) | 1,036,569,655 | |||
| Cash flows from investing activities: | ||||||
| Loans originated, net of principal collected | 2,518,353,767 | (2,114,706,168 | ) | |||
| Proceeds from sales of available-for-sale investments | 209,598,881 | 127,393,386 | ||||
| Proceeds from disposal of property and equipment and intangible assets | 9,702 | - | ||||
| Proceeds from sales of loans | 339,152,055 | 370,207,272 | ||||
| Purchased loans with credit deterioration | 26,735,009 | (235,048,617 | ) | |||
| Purchase of securities investments | (269,320,000 | ) | (34,220,000 | ) | ||
| Purchases of property, equipment and intangible assets | (2,485,797 | ) | (140,624,901 | ) | ||
| Net cash provided by/(used in) investing activities | 2,822,043,617 | (2,026,999,027 | ) |
Consolidated statements of cash flows (continued)
| Six months ended June 30 | ||||||
|---|---|---|---|---|---|---|
| 2025 | 2024 | |||||
| RMB | RMB | |||||
| Cash flows from financing activities: | ||||||
| Proceeds from interest-bearing borrowings | 825,239,368 | 8,136,766,333 | ||||
| Repurchase of ordinary shares | - | (2,287,676 | ) | |||
| Repayment of interest-bearing borrowings | (3,722,696,722 | ) | (7,539,491,640 | ) | ||
| Net cash (used in)/provided by financing activities | (2,897,457,354 | ) | 594,987,018 | |||
| Net increase/(decrease) in cash, cash equivalents and restricted cash | (361,658,030 | ) | (395,442,355 | ) | ||
| Cash, cash equivalents and restricted cash at the beginning of period | 1,170,386,075 | 2,001,602,416 | ||||
| Effect of exchange rate change on cash, cash equivalents and restricted cash | 814,853 | 5,980,318 | ||||
| Cash, cash equivalents and restricted cash<br> at the end of period | 809,542,898 | 1,612,140,379 | ||||
| Supplemental disclosures of cash flow information: | ||||||
| Income taxes paid, net of refunds | 31,164,945 | 39,168,795 | ||||
| Interest expense paid | 271,727,420 | 401,738,243 |