CONIFER HOLDINGS INC (CNFR) Fundamental Analysis & Valuation

NASDAQ:CNFR • US20731J1025

Current stock price

1.48 USD
+0.29 (+24.38%)
At close:
1.52 USD
+0.04 (+2.7%)
After Hours:

This CNFR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CNFR Profitability Analysis

1.1 Basic Checks

  • CNFR had positive earnings in the past year.
  • In the past year CNFR has reported a negative cash flow from operations.
  • In multiple years CNFR reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: CNFR reported negative operating cash flow in multiple years.
CNFR Yearly Net Income VS EBIT VS OCF VS FCFCNFR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

  • CNFR has a better Return On Assets (10.66%) than 97.95% of its industry peers.
  • With an excellent Return On Equity value of 107.03%, CNFR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 10.66%
ROE 107.03%
ROIC N/A
ROA(3y)-1.09%
ROA(5y)-0.69%
ROE(3y)-281.43%
ROE(5y)-169.13%
ROIC(3y)N/A
ROIC(5y)N/A
CNFR Yearly ROA, ROE, ROICCNFR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

  • The Profit Margin of CNFR (48.11%) is better than 100.00% of its industry peers.
  • CNFR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 48.11%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CNFR Yearly Profit, Operating, Gross MarginsCNFR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

2. CNFR Health Analysis

2.1 Basic Checks

  • CNFR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CNFR remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for CNFR has been increased compared to 5 years ago.
  • CNFR has a better debt/assets ratio than last year.
CNFR Yearly Shares OutstandingCNFR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
CNFR Yearly Total Debt VS Total AssetsCNFR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • CNFR has a Debt/Equity ratio of 0.64. This is a neutral value indicating CNFR is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.64, CNFR is doing worse than 80.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.5%
CNFR Yearly LT Debt VS Equity VS FCFCNFR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNFR Yearly Current Assets VS Current LiabilitesCNFR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. CNFR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 220.03% over the past year.
  • Looking at the last year, CNFR shows a very negative growth in Revenue. The Revenue has decreased by -36.73% in the last year.
  • Measured over the past years, CNFR shows a decrease in Revenue. The Revenue has been decreasing by -6.87% on average per year.
EPS 1Y (TTM)220.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%152.44%
Revenue 1Y (TTM)-36.73%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-39.91%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y171.43%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CNFR Yearly Revenue VS EstimatesCNFR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CNFR Yearly EPS VS EstimatesCNFR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -1 -2 -3

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4

4. CNFR Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.58, the valuation of CNFR can be described as very cheap.
  • Based on the Price/Earnings ratio, CNFR is valued cheaply inside the industry as 98.63% of the companies are valued more expensively.
  • CNFR is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 29.02, the valuation of CNFR can be described as expensive.
  • Based on the Price/Forward Earnings ratio, CNFR is valued a bit more expensive than the industry average as 77.40% of the companies are valued more cheaply.
  • CNFR is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.58
Fwd PE 29.02
CNFR Price Earnings VS Forward Price EarningsCNFR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CNFR Per share dataCNFR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CNFR Dividend Analysis

5.1 Amount

  • CNFR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CNFR Fundamentals: All Metrics, Ratios and Statistics

CONIFER HOLDINGS INC

NASDAQ:CNFR (9/29/2025, 8:00:00 PM)

After market: 1.52 +0.04 (+2.7%)

1.48

+0.29 (+24.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-11
Earnings (Next)11-11
Inst OwnersN/A
Inst Owner Change31.88%
Ins OwnersN/A
Ins Owner Change0%
Market Cap18.09M
Revenue(TTM)62.75M
Net Income(TTM)30.19M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP0.36%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-26.41%
Min Revenue beat(2)-36.48%
Max Revenue beat(2)-16.34%
Revenue beat(4)1
Avg Revenue beat(4)-4.07%
Min Revenue beat(4)-36.48%
Max Revenue beat(4)53.4%
Revenue beat(8)5
Avg Revenue beat(8)8.06%
Revenue beat(12)5
Avg Revenue beat(12)2.19%
Revenue beat(16)6
Avg Revenue beat(16)-0.4%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 0.58
Fwd PE 29.02
P/S 0.29
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)2.56
EY172.97%
EPS(NY)0.05
Fwd EY3.45%
FCF(TTM)-3.99
FCFYN/A
OCF(TTM)-3.99
OCFYN/A
SpS5.14
BVpS2.31
TBVpS2.31
PEG (NY)0
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 10.66%
ROE 107.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 48.11%
GM N/A
FCFM N/A
ROA(3y)-1.09%
ROA(5y)-0.69%
ROE(3y)-281.43%
ROE(5y)-169.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.5%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)220.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%152.44%
EPS Next Y171.43%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-36.73%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-39.91%
Revenue Next Year7%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-22.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-84.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-84.29%
OCF growth 3YN/A
OCF growth 5YN/A

CONIFER HOLDINGS INC / CNFR Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CONIFER HOLDINGS INC (CNFR) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CNFR.


What is the valuation status for CNFR stock?

ChartMill assigns a valuation rating of 4 / 10 to CONIFER HOLDINGS INC (CNFR). This can be considered as Fairly Valued.


How profitable is CONIFER HOLDINGS INC (CNFR) stock?

CONIFER HOLDINGS INC (CNFR) has a profitability rating of 3 / 10.


Can you provide the financial health for CNFR stock?

The financial health rating of CONIFER HOLDINGS INC (CNFR) is 1 / 10.


How sustainable is the dividend of CONIFER HOLDINGS INC (CNFR) stock?

The dividend rating of CONIFER HOLDINGS INC (CNFR) is 0 / 10 and the dividend payout ratio is 0.36%.