CONIFER HOLDINGS INC (CNFR) Fundamental Analysis & Valuation

NASDAQ:CNFR • US20731J1025

1.48 USD
+0.29 (+24.38%)
At close: Sep 29, 2025
1.52 USD
+0.04 (+2.7%)
After Hours: 9/29/2025, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

Taking everything into account, CNFR scores 2 out of 10 in our fundamental rating. CNFR was compared to 149 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. CNFR Profitability Analysis

1.1 Basic Checks

  • In the past year CNFR was profitable.
  • CNFR had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: CNFR reported negative net income in multiple 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.
  • CNFR's Return On Equity of 107.03% is amongst the best of the industry. CNFR outperforms 100.00% of its industry peers.
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

  • CNFR has a better Profit Margin (48.11%) 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.
  • 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 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.
  • CNFR has a Debt to Equity ratio of 0.64. This is amonst the worse of the industry: CNFR underperforms 80.82% of its industry peers.
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.
  • The Revenue for CNFR has decreased by -36.73% in the past year. This is quite bad
  • CNFR shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.87% yearly.
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

  • With a 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 cheaper than 98.63% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.03. CNFR is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 29.02, CNFR can be considered very expensive at the moment.
  • 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.
  • When comparing the Price/Forward Earnings ratio of CNFR to the average of the S&P500 Index (25.11), we can say CNFR is valued inline with the index average.
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

  • 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

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

0

5. CNFR Dividend Analysis

5.1 Amount

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

More info and screens

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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 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.


What is the profitability of CNFR stock?

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


What are the PE and PB ratios of CONIFER HOLDINGS INC (CNFR) stock?

The Price/Earnings (PE) ratio for CONIFER HOLDINGS INC (CNFR) is 0.58 and the Price/Book (PB) ratio is 0.64.


Can you provide the dividend sustainability for CNFR stock?

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