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CONIFER HOLDINGS INC (CNFR) Stock Fundamental Analysis

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

0.603  +0 (+0.17%)

Fundamental Rating

2

Taking everything into account, CNFR scores 2 out of 10 in our fundamental rating. CNFR was compared to 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

CNFR had positive earnings in the past year.
CNFR had a negative operating cash flow in the past year.
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

With an excellent Return On Assets value of 8.38%, CNFR belongs to the best of the industry, outperforming 97.90% of the companies in the same industry.
With an excellent Return On Equity value of 109.66%, CNFR belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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

With an excellent Profit Margin value of 29.26%, CNFR belongs to the best of the industry, outperforming 97.20% of the companies in the same industry.
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) 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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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.
Compared to 5 years ago, CNFR has more shares outstanding
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 0.55 indicates that CNFR is somewhat dependend on debt financing.
CNFR has a Debt to Equity ratio of 0.55. This is in the lower half of the industry: CNFR underperforms 71.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.89%
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.
CNFR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.32%.
Measured over the past years, CNFR shows a decrease in Revenue. The Revenue has been decreasing by -6.87% on average per year.
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

With a Price/Earnings ratio of 0.31, the valuation of CNFR can be described as very cheap.
Based on the Price/Earnings ratio, CNFR is valued cheaper than 99.30% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. CNFR is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 11.82, the valuation of CNFR can be described as very reasonable.
CNFR's Price/Forward Earnings is on the same level as the industry average.
CNFR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.31
Fwd PE 11.82
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

The 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

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

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CONIFER HOLDINGS INC

NASDAQ:CNFR (4/21/2025, 10:43:21 AM)

0.603

+0 (+0.17%)

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 Cap7.37M
Analysts40
Price TargetN/A
Short Float %0.04%
Short Ratio0.4
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 0.31
Fwd PE 11.82
P/S 0.09
P/FCF N/A
P/OCF N/A
P/B 0.34
P/tB 0.34
EV/EBITDA N/A
EPS(TTM)1.94
EY321.72%
EPS(NY)0.05
Fwd EY8.46%
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
WACC16.89%
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