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Conifer Holdings, Inc. - Senior CNFRL

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24.05 0.00 (+0.00%)

Sep 29, 2023, 10:23 AM EDT

24.05 Day range 24.85
21.55 52-week range 24.57

Financial health

Piotroski F-Score

0 / 9 Weak

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

Valuation

P/E -0.5×
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: -0.5×
FY 2016 5y median -0.5× FY 2025
P/S 0.2×
FY 2016: 0.6×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: 0.2×
FY 2016 5y median 0.2× FY 2025
P/B 1.0×
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: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF -0.2×
FY 2016: 10.4×FY 2017: 5.0×FY 2018: -1.7×FY 2019: 2.3×FY 2020: 10.9×FY 2021: 4.2×FY 2022: -0.4×FY 2023: -1.0×FY 2024: -0.4×FY 2025: -0.2×
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: -1.3×FY 2023: -1.1×FY 2024: 0.0×FY 2025: -0.5×
FY 2016 5y median -0.5× FY 2025
EV/Sales 0.2×
FY 2016: 0.6×FY 2017: 0.7×FY 2018: 0.6×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 -503.6%
FY 2016: 9.6%FY 2017: 19.9%FY 2018: -57.2%FY 2019: 43.1%FY 2020: 9.2%FY 2021: 23.8%FY 2022: -241.1%FY 2023: -99.6%FY 2024: -228.5%FY 2025: -503.6%
FY 2016 5y median -228.5% FY 2025

Profitability

Gross Margin -27.1%
FY 2016: 19.1%FY 2017: -4.0%FY 2018: 6.5%FY 2019: 10.5%FY 2020: 20.4%FY 2021: 15.2%FY 2022: -7.4%FY 2023: -9.2%FY 2024: -30.7%FY 2025: -27.1%
FY 2016 5y median -9.2% FY 2025
Operating Margin -49.5%
FY 2016: 1.6%FY 2017: -23.4%FY 2018: -15.1%FY 2019: -11.1%FY 2020: -0.2%FY 2021: -1.5%FY 2022: -20.2%FY 2023: -30.7%FY 2024: -54.4%FY 2025: -49.5%
FY 2016 5y median -30.7% FY 2025
Net Margin -49.9%
FY 2016: -8.1%FY 2017: -22.4%FY 2018: -9.8%FY 2019: -8.3%FY 2020: 0.6%FY 2021: -0.9%FY 2022: -10.5%FY 2023: -28.8%FY 2024: 36.7%FY 2025: -49.9%
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 11.0%
FY 2016: 0.8%FY 2017: -8.8%FY 2018: -6.2%FY 2019: -471.8%FY 2020: -4.7%FY 2021: 0.0%FY 2022: 0.0%FY 2023: -19.0%FY 2024: 0.0%FY 2025: 11.0%
FY 2016 5y median 0.0% 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 -44.3%
FY 2016: 24.6%FY 2017: -7.5%FY 2018: -2.2%FY 2019: 0.5%FY 2020: 9.4%FY 2021: 12.1%FY 2022: -12.5%FY 2023: -11.3%FY 2024: -26.3%FY 2025: -44.3%
FY 2016 FY 2025
Operating Income 49.3%
FY 2016: -87.2%FY 2017: -1458.8%FY 2018: 37.1%FY 2019: 26.1%FY 2020: 97.7%FY 2021: -618.5%FY 2022: -1098.2%FY 2023: -34.9%FY 2024: -30.6%FY 2025: 49.3%
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: 84.4%FY 2022: -855.8%FY 2023: 66.9%FY 2024: -144.0%FY 2025: -34.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
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: 1.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.2×
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: 1.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 3.0×
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: 3.0×
FY 2016 5y median 1.8× FY 2025
Net Debt / EBITDA 0.1×
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: -0.3×FY 2023: -0.6×FY 2024: 0.5×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Interest Coverage -5.7×
FY 2016: 2.6×FY 2017: -16.6×FY 2018: -5.4×FY 2019: -3.6×FY 2020: -0.1×FY 2021: -0.6×FY 2022: -6.9×FY 2023: -8.6×FY 2024: -7.4×FY 2025: -5.7×
FY 2016 5y median -6.9× 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