Logo image of CNFR

CONIFER HOLDINGS INC (CNFR) Stock Fundamental Analysis

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

0.996  -0.02 (-2.35%)

Fundamental Rating

3

CNFR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. Both the profitability and financial health of CNFR have multiple concerns. CNFR is not valued too expensively and it also shows a decent growth rate.


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 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.
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 0 10M -10M -20M -30M -40M

1.2 Ratios

Looking at the Return On Assets, with a value of 9.85%, CNFR belongs to the top of the industry, outperforming 97.16% of the companies in the same industry.
CNFR has a better Return On Equity (60.19%) than 100.00% of its industry peers.
Industry RankSector 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
CNFR Yearly ROA, ROE, ROICCNFR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -200 -400 -600 -800

1.3 Margins

CNFR has a better Profit Margin (33.91%) than 95.74% 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) 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
CNFR Yearly Profit, Operating, Gross MarginsCNFR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -5 -10 -15 -20 -25

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.
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.
CNFR Yearly Shares OutstandingCNFR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 100M 200M 300M

2.2 Solvency

CNFR has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
CNFR has a Debt to Equity ratio (0.34) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.94%
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 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 5M 10M 15M

More info and screens

4

3. Growth

3.1 Past

CNFR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 770.54%, which is quite impressive.
Looking at the last year, CNFR shows a very negative growth in Revenue. The Revenue has decreased by -17.94% in the last year.
Measured over the past years, CNFR shows a decrease in Revenue. The Revenue has been decreasing by -0.03% on average per year.
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

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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -1 -2 -3

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

CNFR is valuated cheaply with a Price/Earnings ratio of 0.41.
Compared to the rest of the industry, the Price/Earnings ratio of CNFR indicates a rather cheap valuation: CNFR is cheaper than 98.58% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, CNFR is valued rather cheaply.
The Price/Forward Earnings ratio is 19.53, which indicates a rather expensive current valuation of CNFR.
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 67.38% 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 22.68.
Industry RankSector Rank
PE 0.41
Fwd PE 19.53
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 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.
A more expensive valuation may be justified as CNFR's earnings are expected to grow with 43.64% in the coming years.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y43.64%
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 (2/21/2025, 8:10:21 PM)

0.996

-0.02 (-2.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)02-26 2025-02-26/amc
Inst Owners34.51%
Inst Owner Change23.23%
Ins Owners38.75%
Ins Owner Change-1.68%
Market Cap12.17M
Analysts40
Price TargetN/A
Short Float %0.06%
Short Ratio0.44
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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 RankSector Rank
PE 0.41
Fwd PE 19.53
P/S 0.14
P/FCF N/A
P/OCF N/A
P/B 0.25
P/tB 0.25
EV/EBITDA N/A
EPS(TTM)2.41
EY241.97%
EPS(NY)0.05
Fwd EY5.12%
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 RankSector 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 RankSector 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
WACC9.94%
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