# EDGAR Filing Document

**Accession Number:** 0001733868
**File Stem:** 0001213900-26-015028
**Filing Date:** 2026-2
**Character Count:** 5843
**Document Hash:** 7978fe4d5082f33278f764d71dce19fa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-015028.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001213900-26-015028

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260211

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260211

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CNFinance Holdings Ltd.
- **CENTRAL INDEX KEY:** 0001733868
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** E9
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38726
- **FILM NUMBER:** 26622251

**BUSINESS ADDRESS:**
- **STREET 1:** 22/F, SOUTH FINANCE CTR, NO. 6 WUHENG RD
- **STREET 2:** TIANHE DISTRICT, GUANGZHOU CITY
- **CITY:** GUANGDONG PROVINCE
- **STATE:** F4
- **ZIP:** 00000
- **BUSINESS PHONE:** 86-020-62316688

**MAIL ADDRESS:**
- **STREET 1:** 22/F, SOUTH FINANCE CTR, NO. 6 WUHENG RD
- **STREET 2:** TIANHE DISTRICT, GUANGZHOU CITY
- **CITY:** GUANGDONG PROVINCE
- **STATE:** F4
- **ZIP:** 00000

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM 6-K**

**REPORT OF FOREIGN ISSUER<br> PURSUANT TO RULE 13a-16 OR 15d-16 OF<br> THE 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 Finance Center, No. 6 Wuheng Road**

**Tianhe District, Guangzhou City, Guangdong Province**

**People's Republic of 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**

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 99.1 | [Consolidated statements of cash flows for the six months ended June 30, 2025](ea027617202ex99-1_cnfinance.htm) |

---

**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 | CNFINANCE HOLDINGS LIMITED | CNFINANCE HOLDINGS LIMITED |
| Date: February 11, 2026 | By: | /s/ Bin Zhai | /s/ Bin Zhai |
|  |  | Name: | Bin Zhai |
|  |  | Title: | Chief Executive Officer and Chairman |

---

## Exhibit 99.1

**Exhibit 99.1**

**CNFINANCE HOLDINGS LIMITED**

**Consolidated statements of cash flows**

(Amount in Renminbi ("RMB"))

---

| | | |
|:---|:---|:---|
|  | ***Six months ended June 30*** | ***Six months ended June 30*** |
|  | ***2025*** | ***2024*** |
|  | **RMB** | **RMB** |
| **Cash flows from operating activities:** |  |  |
| Net (loss)/ income | (40372304) | 47940590 |
| **Adjustments to reconcile net income to net cash (used in)/provided by operating activities:** |  |  |
| Provision for credit losses | 31249951 | 170750614 |
| Depreciation and amortization | 5353689 | 2094959 |
| Net losses on disposal of property and equipment | 2657 |  |
| Net loss on disposal of non-marketable equity securities and investment securities | 4125037 | (1150084) |
| Foreign exchange gains | 56233 |  |
| Deferred tax benefit | (37750767) | (16090729) |
| Net losses on sale of loans | 20490504 | 1754394 |
| Loans held-for-sale: |  |  |
| Originations and purchases | (1520000) | (64480000) |
| Proceeds from sales and paydowns of loans originally classified as held-for-sale | 188017703 | 471712548 |
| Changes in operating assets and liabilities: |  |  |
| Deposits | 49316342 | (11420510) |
| Credit risk mitigation position | (87112092) | 55741261 |
| Other operating assets | (324965276) | 167620436 |
| Other operating liabilities | (93135970) | 212096176 |
| **Net cash (used in)/provided by operating activities** | **(286244293)** | **1036569655** |
| **Cash flows from investing activities:** |  |  |
| Loans originated, net of principal collected | 2518353767 | (2114706168) |
| Proceeds from sales of available-for-sale investments | 209598881 | 127393386 |
| Proceeds from disposal of property and equipment and intangible assets | 9702 |  |
| Proceeds from sales of loans | 339152055 | 370207272 |
| Purchased loans with credit deterioration | 26735009 | (235048617) |
| Purchase of securities investments | (269320000) | (34220000) |
| Purchases of property, equipment and intangible assets | (2485797) | (140624901) |
| **Net cash provided by/(used in) investing activities** | **2822043617** | **(2026999027)** |

---

**Consolidated statements of cash flows (continued)**

---

| | | |
|:---|:---|:---|
|  | ***Six months ended June 30*** | ***Six months ended June 30*** |
|  | ***2025*** | ***2024*** |
|  | **RMB** | **RMB** |
| **Cash flows from financing activities:** |  |  |
| Proceeds from interest-bearing borrowings | 825239368 | 8136766333 |
| Repurchase of ordinary shares |  | (2287676) |
| Repayment of interest-bearing borrowings | (3722696722) | (7539491640) |
| **Net cash (used in)/provided by financing activities** | **(2897457354)** | **594987018** |
| Net increase/(decrease) in cash, cash equivalents and restricted cash | (361658030) | (395442355) |
| Cash, cash equivalents and restricted cash at the beginning of period | 1170386075 | 2001602416 |
| Effect of exchange rate change on cash, cash equivalents and restricted cash | 814853 | 5980318 |
| **Cash, cash equivalents and restricted cash at the end of period** | **809542898** | **1612140379** |
| **Supplemental disclosures of cash flow information:** |  |  |
| Income taxes paid, net of refunds | 31164945 | 39168795 |
| Interest expense paid | 271727420 | 401738243 |

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