CONIFER HOLDINGS INC (CNFR)

US20731J1025 - Common Stock

1.01  +0.14 (+16.09%)

Fundamental Rating

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Overall CNFR gets a fundamental rating of 1 out of 10. We evaluated CNFR against 141 industry peers in the Insurance industry. CNFR may be in some trouble as it scores bad on both profitability and health. CNFR does not seem to be growing, but still is valued expensively.



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1. Profitability

1.1 Basic Checks

In the past year CNFR has reported negative net income.
CNFR had a negative operating cash flow in the past year.
In the past 5 years CNFR reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: CNFR reported negative operating cash flow in multiple years.

1.2 Ratios

With a Return On Assets value of -8.31%, CNFR is not doing good in the industry: 92.86% of the companies in the same industry are doing better.
The Return On Equity of CNFR (-896.85%) is worse than 96.43% of its industry peers.
Industry RankSector Rank
ROA -8.31%
ROE -896.85%
ROIC N/A
ROA(3y)-4.04%
ROA(5y)-3.01%
ROE(3y)-318.56%
ROE(5y)-194.52%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for CNFR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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

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2. Health

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.
The debt/assets ratio for CNFR has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 8.67 is on the high side and indicates that CNFR has dependencies on debt financing.
CNFR has a worse Debt to Equity ratio (8.67) than 96.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.67
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.5%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3. Growth

3.1 Past

The earnings per share for CNFR have decreased strongly by -87.80% in the last year.
Looking at the last year, CNFR shows a decrease in Revenue. The Revenue has decreased by -5.84% in the last year.
The Revenue has been decreasing by -0.03% on average over the past years.
EPS 1Y (TTM)-87.8%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-1036.52%
Revenue 1Y (TTM)-5.84%
Revenue growth 3Y-1.55%
Revenue growth 5Y-0.03%
Revenue growth Q2Q-25.82%

3.2 Future

Based on estimates for the next years, CNFR will show a very strong growth in Earnings Per Share. The EPS will grow by 43.64% on average per year.
The Revenue is expected to grow by 8.83% on average over the next years. This is quite good.
EPS Next Y91.14%
EPS Next 2Y43.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.7%
Revenue Next 2Y8.83%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

CNFR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CNFR. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as CNFR's earnings are expected to grow with 43.64% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.64%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for CNFR!.
Industry RankSector Rank
Dividend Yield N/A

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CONIFER HOLDINGS INC

NASDAQ:CNFR (5/7/2024, 2:18:21 PM)

1.01

+0.14 (+16.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap12.34M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -8.31%
ROE -896.85%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 8.67
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-87.8%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y91.14%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-5.84%
Revenue growth 3Y-1.55%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y