CNFR

Conifer Holdings, Inc.

Financial Services

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Price alert · CNFR

All alert types
1.48 0.00 0.00%
As of Sep 29, 2025
1.03 Day range 1.52
0.651 52-week range 1.91
YTD
+26.50%
1 year
+52.58%
Open
1.16
Prev close
1.48
Mkt cap
12.97M
Vol
575.46K
Avg vol
18.69K
EPS
-2.29
P/E
0.00
Div yield
0.00%
More statistics
Low
1.03
High
1.52
Forward P/E
-15.16
Beta
0.64
Short ratio
1.55
Inst. own
30.62%
Dividend
0.00
Ex-div date
50-d avg
1.16
200-d avg
1.01
1y target
0.00

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Financial health

Altman Z-Score

-0.39 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

1 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -1.0×
FY 2016: -7.3×FY 2017: -2.1×FY 2018: -3.2×FY 2019: -4.5×FY 2020: 53.2×FY 2021: -21.1×FY 2022: -1.6×FY 2023: -0.5×FY 2024: 0.6×FY 2025: -1.0×
FY 2016 5y median -1.0× FY 2025
P/S 0.4×
FY 2016: 0.7×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.2× FY 2025
P/B 2.0×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.9×FY 2023: 4.7×FY 2024: 0.7×FY 2025: 2.0×
FY 2016 5y median 0.9× FY 2025
P/FCF -0.4×
FY 2016: 10.4×FY 2017: 5.0×FY 2018: -1.7×FY 2019: 2.3×FY 2020: 10.9×FY 2021: 5.2×FY 2022: -0.4×FY 2023: -1.0×FY 2024: -0.4×FY 2025: -0.4×
FY 2016 5y median -0.4× FY 2025
EV/EBITDA 0.5×
FY 2016: -8.9×FY 2017: -3.1×FY 2018: -8.2×FY 2019: -11.0×FY 2020: 20.6×FY 2021: 29.5×FY 2022: -1.4×FY 2023: -1.2×FY 2024: 0.0×FY 2025: 0.5×
FY 2016 5y median 0.0× FY 2025
EV/Sales -0.2×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.3×FY 2024: -0.0×FY 2025: -0.2×
FY 2016 5y median 0.2× FY 2025
FCF Yield -242.6%
FY 2016: 9.6%FY 2017: 19.9%FY 2018: -57.2%FY 2019: 43.1%FY 2020: 9.2%FY 2021: 19.1%FY 2022: -241.1%FY 2023: -99.6%FY 2024: -228.5%FY 2025: -242.6%
FY 2016 5y median -228.5% FY 2025

Profitability

Gross Margin 0.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 16.9%FY 2022: -2.1%FY 2023: -9.2%FY 2024: -30.7%FY 2025: 0.0%
FY 2016 5y median -2.1% FY 2025
Operating Margin -42.6%
FY 2016: -8.1%FY 2017: -9.2%FY 2018: -6.6%FY 2019: -6.5%FY 2020: 2.3%FY 2021: -10.1%FY 2022: -17.3%FY 2023: -27.1%FY 2024: -51.6%FY 2025: -42.6%
FY 2016 5y median -27.1% FY 2025
Net Margin -42.6%
FY 2016: -9.0%FY 2017: -22.4%FY 2018: -9.3%FY 2019: -8.1%FY 2020: 0.6%FY 2021: -1.0%FY 2022: -10.5%FY 2023: -28.8%FY 2024: 36.7%FY 2025: -42.6%
FY 2016 5y median -10.5% FY 2025
ROE -205.6%
FY 2016: -12.4%FY 2017: -40.8%FY 2018: -21.9%FY 2019: -18.3%FY 2020: 1.3%FY 2021: -2.7%FY 2022: -56.4%FY 2023: -896.6%FY 2024: 113.1%FY 2025: -205.6%
FY 2016 5y median -56.4% FY 2025
ROIC -7.7%
FY 2016: -3.7%FY 2017: -3.5%FY 2018: -2.9%FY 2019: -3.1%FY 2020: 0.5%FY 2021: -3.9%FY 2022: -4.8%FY 2023: -16.7%FY 2024: -23.2%FY 2025: -7.7%
FY 2016 5y median -7.7% FY 2025
ROA -7.7%
FY 2016: -4.1%FY 2017: -9.0%FY 2018: -4.0%FY 2019: -3.2%FY 2020: 0.2%FY 2021: -0.4%FY 2022: -3.4%FY 2023: -8.3%FY 2024: 8.6%FY 2025: -7.7%
FY 2016 5y median -3.4% FY 2025

Growth (YoY)

Revenue -34.7%
FY 2016: 32.7%FY 2017: 2.6%FY 2018: 2.7%FY 2019: -2.9%FY 2020: 7.8%FY 2021: 0.8%FY 2022: -2.7%FY 2023: -11.3%FY 2024: -26.3%FY 2025: -34.7%
FY 2016 FY 2025
Operating Income 46.2%
FY 2016: -991.5%FY 2017: -16.4%FY 2018: 26.1%FY 2019: 4.5%FY 2020: 138.9%FY 2021: -533.2%FY 2022: -66.6%FY 2023: -39.4%FY 2024: -40.2%FY 2025: 46.2%
FY 2016 FY 2025
EPS (diluted) -178.2%
FY 2016: -1133.3%FY 2017: -146.8%FY 2018: 60.6%FY 2019: 18.5%FY 2020: 107.0%FY 2021: -278.0%FY 2022: -809.1%FY 2023: -112.0%FY 2024: 191.0%FY 2025: -178.2%
FY 2016 FY 2025
Free Cash Flow -34.3%
FY 2016: 280.8%FY 2017: 52.0%FY 2018: -288.3%FY 2019: 189.5%FY 2020: -81.0%FY 2021: 47.5%FY 2022: -1044.8%FY 2023: 66.9%FY 2024: -144.0%FY 2025: -34.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 44.3×FY 2021: 0.0×FY 2022: 3.8×FY 2023: 1.0×FY 2024: 1.5×FY 2025: 0.0×
FY 2016 5y median 1.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 44.3×FY 2021: 0.0×FY 2022: 3.8×FY 2023: 1.0×FY 2024: 1.5×FY 2025: 0.0×
FY 2016 5y median 1.0× FY 2025
Debt / Equity 0.0×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 1.8×FY 2023: 8.7×FY 2024: 0.6×FY 2025: 0.0×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 1.5×
FY 2016: -0.7×FY 2017: -0.8×FY 2018: -3.5×FY 2019: -4.9×FY 2020: 10.5×FY 2021: 15.1×FY 2022: -0.4×FY 2023: -0.6×FY 2024: 0.5×FY 2025: 1.5×
FY 2016 5y median 0.5× FY 2025
Interest Coverage -5.8×
FY 2016: -11.7×FY 2017: -6.5×FY 2018: -2.5×FY 2019: -2.2×FY 2020: 0.8×FY 2021: -3.7×FY 2022: -5.9×FY 2023: -7.6×FY 2024: -7.0×FY 2025: -5.8×
FY 2016 5y median -5.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 3.1%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 1.8%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31