Logo image of CNFR

CONIFER HOLDINGS INC (CNFR) Stock Fundamental Analysis

NASDAQ:CNFR - Nasdaq - US20731J1025 - Common Stock - Currency: USD

0.8099  -0.03 (-3.54%)

After market: 0.78 -0.03 (-3.69%)

Fundamental Rating

2

Taking everything into account, CNFR scores 2 out of 10 in our fundamental rating. CNFR was compared to 142 industry peers in the Insurance industry. Both the profitability and financial health of CNFR have multiple concerns. CNFR has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year CNFR was profitable.
CNFR had a negative operating cash flow in the past year.
In multiple years CNFR reported negative net income over the last 5 years.
In multiple years CNFR reported negative operating cash flow during the last 5 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

CNFR has a Return On Assets of 8.68%. This is amongst the best in the industry. CNFR outperforms 97.89% of its industry peers.
With an excellent Return On Equity value of 94.01%, CNFR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 8.68%
ROE 94.01%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

Looking at the Profit Margin, with a value of 32.74%, CNFR belongs to the top of the industry, outperforming 97.18% of the companies in the same industry.
The Operating Margin and Gross Margin are not available for CNFR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.74%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

More info and screens

1

2. Health

2.1 Basic Checks

CNFR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CNFR has about the same amount of shares outstanding.
CNFR has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CNFR has an improved debt to assets ratio.
CNFR Yearly Shares OutstandingCNFR Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

A Debt/Equity ratio of 0.69 indicates that CNFR is somewhat dependend on debt financing.
CNFR has a Debt to Equity ratio of 0.69. This is amonst the worse of the industry: CNFR underperforms 82.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.09%
CNFR Yearly LT Debt VS Equity VS FCFCNFR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

More info and screens

1

3. Growth

3.1 Past

CNFR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 190.22%, which is quite impressive.
CNFR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.46%.
The Revenue has been decreasing by -6.87% on average over the past years.
EPS 1Y (TTM)190.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%600%
Revenue 1Y (TTM)-24.46%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-31.22%

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 2014 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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 0.41, the valuation of CNFR can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CNFR indicates a rather cheap valuation: CNFR is cheaper than 100.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.29. CNFR is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 15.88, the valuation of CNFR can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CNFR indicates a slightly more expensive valuation: CNFR is more expensive than 65.49% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of CNFR to the average of the S&P500 Index (22.17), we can say CNFR is valued slightly cheaper.
Industry RankSector Rank
PE 0.41
Fwd PE 15.88
CNFR Price Earnings VS Forward Price EarningsCNFR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 6

4.3 Compensation for Growth

CNFR's 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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

CONIFER HOLDINGS INC

NASDAQ:CNFR (6/2/2025, 5:20:00 PM)

After market: 0.78 -0.03 (-3.69%)

0.8099

-0.03 (-3.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-12 2025-05-12/amc
Earnings (Next)08-11 2025-08-11/amc
Inst Owners31.24%
Inst Owner Change9.47%
Ins Owners9.81%
Ins Owner Change0.95%
Market Cap9.90M
Analysts40
Price TargetN/A
Short Float %0.31%
Short Ratio0.72
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP1.09%
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)-16.6%
Min Revenue beat(2)-16.86%
Max Revenue beat(2)-16.34%
Revenue beat(4)2
Avg Revenue beat(4)8.33%
Min Revenue beat(4)-16.86%
Max Revenue beat(4)53.4%
Revenue beat(8)5
Avg Revenue beat(8)11.86%
Revenue beat(12)6
Avg Revenue beat(12)5.44%
Revenue beat(16)7
Avg Revenue beat(16)1.94%
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 0.41
Fwd PE 15.88
P/S 0.13
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)1.98
EY244.47%
EPS(NY)0.05
Fwd EY6.3%
FCF(TTM)-4.59
FCFYN/A
OCF(TTM)-4.59
OCFYN/A
SpS6.01
BVpS2.09
TBVpS2.09
PEG (NY)0
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 8.68%
ROE 94.01%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.74%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 0.69
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
WACC16.09%
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)190.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%600%
EPS Next Y171.43%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-24.46%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-31.22%
Revenue Next Year7%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-29.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.82%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-47.82%
OCF growth 3YN/A
OCF growth 5YN/A