CNFinance Holdings (CNF) Debt Ratio (2017 - 2025)

CNFinance Holdings (CNF) posted Debt Ratio of 0.27 for Q4 2025, up 51.87% on a QoQ basis from 0.18 in Q2 2025, and up 142.99% year-over-year from 0.11 in Q4 2024.

CNFinance Holdings (CNF) Debt Ratio (2017 - 2025) Analysis & Trends

CNFinance Holdings' Debt Ratio history runs 9 years deep, the most recent figure standing at 0.27 for Q4 2025.

  • Quarterly Debt Ratio rose 142.99% year-over-year to 0.27 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.27 (up 142.99% YoY) and the FY2025 annual result came in at 0.27, up 142.99% from the prior year.
  • Debt Ratio was 0.27 for Q4 2025 at CNFinance Holdings, up from 0.18 in the prior quarter.
  • Across five years, Debt Ratio topped out at 0.27 in Q4 2025 and bottomed at 0.0 in Q3 2022.
  • A 5-year average of 0.06 and a median of 0.03 in 2021 frame the typical range for Debt Ratio.
  • Annual changes were most pronounced in 2022 — Debt Ratio plunged 97.87% — and 2023, when it jumped 7707.5%.
  • CNFinance Holdings' Debt Ratio stood at 0.0 in 2021, then jumped by 147.29% to 0.01 in 2022, then jumped by 439.41% to 0.04 in 2023, then surged by 164.76% to 0.11 in 2024, then soared by 142.99% to 0.27 in 2025.
  • Business Quant data shows CNF's Debt Ratio at 0.27 in Q4 2025, 0.18 in Q2 2025, and 0.11 in Q4 2024.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Rocket Companies 38.33 Bn 35.64 Bn - 0.18
2 Federal National Mortgage Association Fannie Mae 35.67 Bn 35.67 Bn - -
3 Federal Home Loan Mortgage 18.11 Bn 13.64 Bn - 0.06
4 PennyMac Financial Services 4.41 Bn 3.76 Bn 523.89 Mn 0.04
5 CNFinance Holdings 3.28 Bn 3.20 Bn - 0.27
6 Walker & Dunlop 1.64 Bn 1.44 Bn - 0.13
7 Velocity Financial 681.36 Mn -6.51 Bn - 0.08
8 UWM Holdings 540.43 Mn 116.43 Mn - 0.00
9 Better Home & Finance Holding 362.34 Mn 298.07 Mn - 0.13
10 Onity 340.51 Mn 215.81 Mn - 0.12

Historic Data

Download Data
DateValue
Dec 31, 2025 0.27
Jun 30, 2025 0.18
Dec 31, 2024 0.11
Jun 30, 2024 0.07
Dec 31, 2023 0.04
Sep 30, 2023 0.03
Jun 30, 2023 0.03
Mar 31, 2023 0.02
Dec 31, 2022 0.01
Sep 30, 2022 0.00
Mar 31, 2022 0.00
Dec 31, 2021 0.00
Sep 30, 2021 0.02
Jun 30, 2021 0.02
Mar 31, 2021 0.03
Dec 31, 2020 0.04
Sep 30, 2020 0.06
Jun 30, 2020 0.08
Mar 31, 2020 0.04
Dec 31, 2019 0.07