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CONIFER HOLDINGS INC (CNFR) Stock Fundamental Analysis

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

0.69  -0.05 (-6.76%)

Fundamental Rating

2

Overall CNFR gets a fundamental rating of 2 out of 10. We evaluated CNFR against 143 industry peers in the Insurance industry. CNFR has a bad profitability rating. Also its financial health evaluation is rather negative. CNFR has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CNFR was profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

CNFR has a Return On Assets of 8.38%. This is amongst the best in the industry. CNFR outperforms 97.90% of its industry peers.
CNFR has a better Return On Equity (109.66%) than 100.00% of its industry peers.
Industry RankSector Rank
ROA 8.38%
ROE 109.66%
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

The Profit Margin of CNFR (29.26%) is better than 97.20% of its industry peers.
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) 29.26%
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

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1

2. Health

2.1 Basic Checks

CNFR does not have a ROIC to compare to the WACC, probably because it is not profitable.
CNFR has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for CNFR has been increased compared to 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

CNFR has a Debt/Equity ratio of 0.55. This is a neutral value indicating CNFR is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.55, CNFR is not doing good in the industry: 71.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.55%
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

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 191.64% over the past year.
Looking at the last year, CNFR shows a very negative growth in Revenue. The Revenue has decreased by -18.32% in the last year.
CNFR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.87% yearly.
EPS 1Y (TTM)191.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-29.48%
Revenue 1Y (TTM)-18.32%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-30.34%

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

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4. Valuation

4.1 Price/Earnings Ratio

CNFR is valuated cheaply with a Price/Earnings ratio of 0.36.
Compared to the rest of the industry, the Price/Earnings ratio of CNFR indicates a rather cheap valuation: CNFR is cheaper than 99.30% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 23.99, CNFR is valued rather cheaply.
With a Price/Forward Earnings ratio of 13.53, CNFR is valued correctly.
60.14% of the companies in the same industry are cheaper than CNFR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CNFR to the average of the S&P500 Index (20.35), we can say CNFR is valued slightly cheaper.
Industry RankSector Rank
PE 0.36
Fwd PE 13.53
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 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

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0

5. Dividend

5.1 Amount

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

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CONIFER HOLDINGS INC

NASDAQ:CNFR (5/7/2025, 8:00:00 PM)

0.69

-0.05 (-6.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-31 2025-03-31/amc
Earnings (Next)05-12 2025-05-12/amc
Inst Owners31.24%
Inst Owner Change0%
Ins Owners9.81%
Ins Owner Change0.95%
Market Cap8.43M
Analysts40
Price TargetN/A
Short Float %0.12%
Short Ratio0.33
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP1.86%
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)1
Avg Revenue beat(2)18.27%
Min Revenue beat(2)-16.86%
Max Revenue beat(2)53.4%
Revenue beat(4)3
Avg Revenue beat(4)19.95%
Min Revenue beat(4)-16.86%
Max Revenue beat(4)53.4%
Revenue beat(8)5
Avg Revenue beat(8)11.21%
Revenue beat(12)6
Avg Revenue beat(12)5.9%
Revenue beat(16)8
Avg Revenue beat(16)3.94%
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 0.36
Fwd PE 13.53
P/S 0.1
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)1.94
EY281.16%
EPS(NY)0.05
Fwd EY7.39%
FCF(TTM)-2.67
FCFYN/A
OCF(TTM)-2.67
OCFYN/A
SpS6.6
BVpS1.76
TBVpS1.76
PEG (NY)0
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 8.38%
ROE 109.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.26%
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-Score6
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 0.55
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-Score6
WACC16.55%
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)191.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-29.48%
EPS Next Y171.43%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.32%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-30.34%
Revenue Next Year7%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-34.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-144.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-144.02%
OCF growth 3YN/A
OCF growth 5YN/A