CONIFER HOLDINGS INC (CNFR)
US20731J1025 - Common Stock
Overall CNFR gets a fundamental rating of 3 out of 10. We evaluated CNFR against 144 industry peers in the Insurance industry. CNFR may be in some trouble as it scores bad on both profitability and health. CNFR has a correct valuation and a medium growth rate.
1. Profitability
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.
CNFR had negative earnings in 4 of the past 5 years.
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
The Return On Assets of CNFR (9.85%) is better than 97.18% of its industry peers.
The Return On Equity of CNFR (60.19%) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.85% | ||
| ROE | 60.19% | ||
| 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
CNFR has a Profit Margin of 33.91%. This is amongst the best in the industry. CNFR outperforms 93.66% of its industry peers.
The Operating Margin and Gross Margin are not available for CNFR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.91% | ||
| 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
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.
CNFR has a better debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.34 indicates that CNFR is not too dependend on debt financing.
CNFR's Debt to Equity ratio of 0.34 is in line compared to the rest of the industry. CNFR outperforms 45.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 770.54% over the past year.
Looking at the last year, CNFR shows a very negative growth in Revenue. The Revenue has decreased by -17.94% in the last year.
The Revenue has been decreasing by -0.03% on average over the past years.
EPS 1Y (TTM)770.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2059.09%
Revenue 1Y (TTM)-17.94%
Revenue growth 3Y-1.55%
Revenue growth 5Y-0.03%
Sales Q2Q%-37.87%
3.2 Future
CNFR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 43.64% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
CNFR is valuated cheaply with a Price/Earnings ratio of 0.43.
Based on the Price/Earnings ratio, CNFR is valued cheaper than 98.59% of the companies in the same industry.
CNFR is valuated cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 20.50, CNFR is valued on the expensive side.
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 69.01% of the companies listed in the same industry.
CNFR's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.53.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.43 | ||
| Fwd PE | 20.5 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
CNFR's earnings are expected to grow with 43.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y43.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CNFR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CONIFER HOLDINGS INC
NASDAQ:CNFR (1/14/2025, 8:00:01 PM)
Premarket: 1.04 -0.01 (-0.51%)1.0453
-0.07 (-6.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.51%
Inst Owner Change0%
Ins Owners38.75%
Ins Owner Change-1.68%
Market Cap12.77M
Analysts40
Price TargetN/A
Short Float %0.07%
Short Ratio0.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
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)2
Avg Revenue beat(2)33.26%
Min Revenue beat(2)13.11%
Max Revenue beat(2)53.4%
Revenue beat(4)4
Avg Revenue beat(4)31.09%
Min Revenue beat(4)13.11%
Max Revenue beat(4)53.4%
Revenue beat(8)5
Avg Revenue beat(8)13.26%
Revenue beat(12)6
Avg Revenue beat(12)6.38%
Revenue beat(16)9
Avg Revenue beat(16)6.86%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.43 | ||
| Fwd PE | 20.5 | ||
| P/S | 0.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.26 | ||
| P/tB | 0.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.41
EY230.56%
EPS(NY)0.05
Fwd EY4.88%
FCF(TTM)-2.07
FCFYN/A
OCF(TTM)-2.07
OCFYN/A
SpS7.13
BVpS4.01
TBVpS4.01
PEG (NY)0
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.85% | ||
| ROE | 60.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.91% | ||
| GM | N/A | ||
| FCFM | 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
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| 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
WACC9.45%
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)770.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2059.09%
EPS Next Y91.14%
EPS Next 2Y43.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.94%
Revenue growth 3Y-1.55%
Revenue growth 5Y-0.03%
Sales Q2Q%-37.87%
Revenue Next Year10.7%
Revenue Next 2Y8.83%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-131.04%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-277.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-275.96%
OCF growth 3YN/A
OCF growth 5YN/A