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XNASCNFR
Market cap11mUSD
Feb 06, Last price  
0.98USD
1D
0.00%
1Q
-16.95%
Jan 2017
-87.98%
IPO
-90.67%
Name

Conifer Holdings Inc

Chart & Performance

D1W1MN
XNAS:CNFR chart
P/E
P/S
0.12
EPS
Div Yield, %
Shrs. gr., 5y
7.42%
Rev. gr., 5y
0.95%
Revenues
99m
-5.85%
19,588,00043,495,00060,929,00070,723,000104,185,00096,348,00094,186,00094,633,000107,325,000118,590,000104,889,00098,758,000
Net income
-26m
L+134.45%
413,000349,000-6,935,00064,000-8,437,000-21,542,000-9,227,000-8,208,000-244,000-1,918,000-11,049,000-25,904,000
CFO
-13m
L-66.91%
1,262,0002,542,0006,305,000-3,136,0006,166,0009,090,000-17,008,00015,361,0002,982,0005,355,000-40,474,000-13,392,000
Earnings
Mar 31, 2025

Profile

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,600 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Birmingham, Michigan.
IPO date
Aug 13, 2015
Employees
109
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
98,758
-5.85%
104,889
-11.55%
Cost of revenue
Unusual Expense (Income)
NOPBT
98,758
104,889
NOPBT Margin
100.00%
100.00%
Operating Taxes
9
(9,441)
Tax Rate
0.01%
NOPAT
98,749
114,330
Net income
(25,904)
134.45%
(11,049)
476.07%
Dividends
Dividend yield
Proceeds from repurchase of equity
5,997
5,010
BB yield
-44.62%
-29.85%
Debt
Debt current
Long-term debt
25,513
33,876
Deferred revenue
Other long-term liabilities
81,573
239,570
Net debt
(151,755)
(267,686)
Cash flow
Cash from operating activities
(13,392)
(40,474)
CAPEX
(30,315)
Cash from investing activities
(272)
56,503
Cash from financing activities
(3,246)
2,093
FCF
99,941
171,019
Balance
Cash
31,963
164,165
Long term investments
145,305
137,397
Excess cash
172,330
296,318
Stockholders' equity
2,889
18,950
Invested Capital
217,483
273,446
ROIC
40.23%
44.72%
ROCE
44.81%
35.87%
EV
Common stock shares outstanding
12,221
10,692
Price
1.10
-29.94%
1.57
-32.33%
Market cap
13,441
-19.93%
16,787
-25.34%
EV
(132,314)
(250,899)
EBITDA
99,303
105,306
EV/EBITDA
Interest
3,206
2,971
Interest/NOPBT
3.25%
2.83%