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Conifer Holding Inc

Financial Services US CNFR

1.41USD
-0.07(4.73%)

Last update at 2025-10-15T13:30:00Z

Day Range

1.101.54
LowHigh

52 Week Range

0.651.91
LowHigh

Fundamentals

  • Previous Close 1.48
  • Market Cap13.93M
  • Volume305181
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA-24.16200M
  • Revenue TTM96.85M
  • Revenue Per Share TTM7.92
  • Gross Profit TTM 1.27M
  • Diluted EPS TTM-2.29

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -20.49000M -1.71000M -0.23800M -9.12100M -9.46500M
Minority interest - - - - -
Net income -11.04900M -1.91800M -0.24400M -8.20800M -9.22700M
Selling general administrative 18.79M 16.51M 18.47M 17.58M 17.68M
Selling and marketing expenses - - - - -
Gross profit 104.89M 118.59M 107.33M 94.63M 94.19M
Reconciled depreciation 0.42M 0.42M 0.44M 0.45M 0.39M
Ebit -17.19900M -15.22100M -2.27400M -10.84400M -6.53100M
Ebitda -16.78200M -14.79800M -1.83700M -10.39100M -6.14500M
Depreciation and amortization 0.42M 0.42M 0.44M 0.45M 0.39M
Non operating income net other - - 0.84M 0.39M 0.29M
Operating income -17.19900M -15.22100M -2.27400M -10.84400M -6.53100M
Other operating expenses 125.38M 117.67M 103.73M 105.12M 108.38M
Interest expense 2.97M 2.85M 2.92M 2.88M 2.64M
Tax provision -9.44100M 0.21M 0.00600M -0.91300M 0.05M
Interest income - - - 2.88M 2.64M
Net interest income -2.97100M -2.85200M -2.92500M -2.88200M -2.64400M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -9.44100M 0.21M 0.00600M -0.91300M 0.05M
Total revenue 104.89M 118.59M 107.33M 94.63M 94.19M
Total operating expenses 18.79M -133.81100M -109.59900M -105.47700M 108.00M
Cost of revenue - - - 84.66M 87.47M
Total other income expense net -3.29100M 13.51M 2.04M 1.72M 1.58M
Discontinued operations - - - - -
Net income from continuing ops -10.68100M -1.09400M -0.24400M -7.82200M -9.22700M
Net income applicable to common shares -10.68100M -1.09400M -0.24400M -7.82200M -9.22700M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 201.23M 312.35M 290.40M 261.60M 247.26M
Intangible assets - - - - 11.91M
Earning assets - - - - -
Other current assets 65.55M 89.30M 41.69M -211.84200M -210.64100M
Total liab 198.34M 293.40M 249.90M 217.18M 204.54M
Total stockholder equity 2.89M 18.95M 40.50M 44.41M 42.73M
Deferred long term liab - - - - -
Other current liab 85.88M 3.25M -11.98300M -5.00000M -2.00000M
Common stock 98.10M 97.91M 92.69M 92.49M 91.82M
Capital stock 104.10M 97.91M 92.69M 92.49M 91.82M
Retained earnings -86.68300M -60.76000M -50.07900M -48.98500M -49.58000M
Other liab - 106.53M 82.39M 67.11M 66.75M
Good will - - - - -
Other assets 126.00M 125.12M -143.70400M -141.64500M -140.57200M
Cash 11.12M 28.04M 9.91M 8.19M 7.46M
Cash and equivalents - - - - -
Total current liabilities 91.71M 19.95M 11.98M 5.00M 2.00M
Current deferred revenue - -9.39600M - - -
Net debt 14.66M 5.84M 23.65M 32.80M 28.36M
Short term debt 0.27M - 33.56M 5.00M 2.00M
Short long term debt - - 0.00000M 5.00M 2.00M
Short long term debt total 25.79M 33.88M 33.56M 41.00M 35.82M
Other stockholder equity - -18.20300M -2.11000M 0.91M 0.49M
Property plant equipment - - - - 3.90M
Total current assets 65.55M 75.77M 251.38M 220.03M 218.10M
Long term investments 145.31M 137.40M 182.73M 183.21M 169.73M
Net tangible assets - 18.95M 40.50M 44.41M 42.73M
Short term investments 24.01M 136.13M 172.80M 165.32M 162.43M
Net receivables 113.84M 112.37M 68.67M 46.53M 48.22M
Long term debt 25.06M 33.88M 33.56M 41.00M 33.82M
Inventory -61.33200M - - - -
Accounts payable 5.56M 26.10M 11.98M 8.69M 117.21M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -14.52800M -18.20300M -2.11000M 0.91M 0.49M
Additional paid in capital - - - - -
Common stock total equity - - - 92.49M 91.82M
Preferred stock total equity - - - - -
Retained earnings total equity - - - -48.98500M -49.58000M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 11.31M -25.96200M -182.72700M -183.20700M -169.73200M
Deferred long term asset charges - - - - -
Non current assets total 135.68M 111.47M 182.73M 183.21M 169.73M
Capital lease obligations - - - - -
Long term debt total - - - 41.00M 35.82M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 56.50M -2.55200M -391.58800M -157.23500M -68.46600M
Change to liabilities 3.97M 7.68M 3.83M -2.81100M -1.80600M
Total cashflows from investing activities 56.50M 1.38M -7.33700M -25.01300M 12.22M
Net borrowings -2.91700M -5.00000M 5.12M 2.00M 4.35M
Total cash from financing activities 2.09M -5.01200M 5.08M 6.32M 3.71M
Change to operating activities -15.49200M 11.74M 5.91M 21.64M -9.82400M
Net income -10.68100M -1.09400M 0.59M -7.82200M -9.22700M
Change in cash 18.12M 1.72M 0.73M -3.32800M -1.07600M
Begin period cash flow 9.91M 8.19M 7.46M 10.79M 11.87M
End period cash flow 28.04M 9.91M 8.19M 7.46M 10.79M
Total cash from operating activities -40.47400M 5.36M 2.98M 15.36M -17.00800M
Issuance of capital stock 5.01M 0.00000M 0.00000M 5.00M 0.00000M
Depreciation 0.42M 0.42M 0.44M 0.45M 0.39M
Other cashflows from investing activities - 1.00M 384.33M 132.28M 80.77M
Dividends paid - -1.00000M - - -
Change to inventory - - - - 5.05M
Change to account receivables -48.20700M -16.14600M 1.69M 11.36M -10.99500M
Sale purchase of stock 0.01000M -0.01200M -0.03600M -0.67600M -0.63600M
Other cashflows from financing activities 19.49M 3.00M 5.75M 2.10M 23.85M
Change to netincome -18.09000M -12.57900M -7.68200M -1.44700M 0.68M
Capital expenditures 30.32M 1.00M 0.08M 0.06M 0.09M
Change receivables - - 1.62M 11.94M -11.74300M
Cash flows other operating - - 3.96M 14.94M 4.25M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - 0.73M -3.32800M -1.07600M
Change in working capital -12.12000M 18.61M 10.04M 23.18M -9.12000M
Stock based compensation 0.21M 0.22M 0.71M 0.96M 0.97M
Other non cash items -8.90500M -2.72800M -0.26200M -1.21000M -0.29000M
Free cash flow -70.78900M 6.36M 2.90M 15.30M -17.09400M

Peer Comparison

Sector: Financial Services Industry: Insurance - Property & Casualty

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CNFR
Conifer Holding Inc		 -0.07 4.73% 1.41 - 72.99 0.14 0.29 0.35
CB
Chubb Ltd		 3.34 1.01% 335.45 12.85 12.20 2.16 1.74 2.48
PGR
Progressive Corp		 3.84 1.78% 219.53 34.22 20.33 1.55 5.46 1.70
ALL
The Allstate Corporation		 3.61 1.56% 235.16 5.68 8.60 0.83 1.94 0.96
TKOMF
Tokio Marine Holdings Inc.		 - -% 42.80 14.81 10.00 0.0069 1.59 0.0064

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Profile

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. The company offers insurance coverage in specialty commercial and personal product lines. It also underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. The company 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. It 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 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Troy, Michigan.

Conifer Holding Inc

3001 West Big Beaver Road, Troy, MI, United States, 48084

Key Executives

Name Title Year Born
Mr. James George Petcoff Exec. Chairman & Co-CEO 1956
Mr. Nicholas James Petcoff Exec. VP, Sec., Co-CEO & Director 1981
Mr. Brian Joseph Roney B.A., B.S., M.B.A. Pres 1965
Mr. Andrew Daniel Petcoff Sr. VP & Director 1984
Mr. Harold James Meloche Treasurer & CFO 1962
Ms. Jessica Gulis Head of Investor Relations NA
Mr. Richard Joseph Fiato Corp. Counsel NA
Mr. Nicholas James Petcoff Executive VP, CEO, Secretary & Director 1981
Mr. Brian Joseph Roney B.A., B.S., M.B.A. President 1965
Mr. James George Petcoff Executive Director 1956

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