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XNAS
CNFR
Market cap11mUSD
Jul 25, Last price  
0.90USD
1D
1.12%
1Q
38.25%
Jan 2017
-88.96%
IPO
-91.43%
Name

Conifer Holdings Inc

Chart & Performance

D1W1MN
P/E
0.45
P/S
0.17
EPS
1.99
Div Yield, %
Shrs. gr., 5y
324.38%
Rev. gr., 5y
-6.87%
Revenues
66m
-32.87%
19,588,00043,495,00060,929,00070,723,000104,185,00096,348,00094,186,00094,633,000107,325,000118,590,000104,889,00098,758,00066,297,000
Net income
24m
P
413,000349,000-6,935,00064,000-8,437,000-21,542,000-9,227,000-8,208,000-244,000-1,918,000-11,049,000-25,904,00024,347,000
CFO
-33m
L+144.02%
1,262,0002,542,0006,305,000-3,136,0006,166,0009,090,000-17,008,00015,361,0002,982,0005,355,000-40,474,000-13,392,000-32,679,000
Earnings
Aug 11, 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
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
66,297
-32.87%
98,758
-5.85%
104,889
-11.55%
Cost of revenue
(974)
Unusual Expense (Income)
NOPBT
67,271
98,758
104,889
NOPBT Margin
101.47%
100.00%
100.00%
Operating Taxes
(1,840)
9
(9,441)
Tax Rate
0.01%
NOPAT
69,111
98,749
114,330
Net income
24,347
-193.99%
(25,904)
134.45%
(11,049)
476.07%
Dividends
(439)
Dividend yield
0.00%
Proceeds from repurchase of equity
5,997
5,010
BB yield
-44.62%
-29.85%
Debt
Debt current
Long-term debt
11,932
25,513
33,876
Deferred revenue
Other long-term liabilities
81,573
239,570
Net debt
(144,141)
(151,755)
(267,686)
Cash flow
Cash from operating activities
(32,679)
(13,392)
(40,474)
CAPEX
(30,315)
Cash from investing activities
70,294
(272)
56,503
Cash from financing activities
(21,086)
(3,246)
2,093
FCF
58,019
99,941
171,019
Balance
Cash
27,654
31,963
164,165
Long term investments
128,419
145,305
137,397
Excess cash
152,758
172,330
296,318
Stockholders' equity
21,525
2,889
18,950
Invested Capital
260,130
217,483
273,446
ROIC
28.94%
40.23%
44.72%
ROCE
23.88%
44.81%
35.87%
EV
Common stock shares outstanding
12,222,881
12,221
10,692
Price
1.17
6.37%
1.10
-29.94%
1.57
-32.33%
Market cap
14,300,771
106,293.94%
13,441
-19.93%
16,787
-25.34%
EV
14,156,630
(132,314)
(250,899)
EBITDA
68,942
99,303
105,306
EV/EBITDA
205.34
Interest
4,883
3,206
2,971
Interest/NOPBT
7.26%
3.25%
2.83%