NASDAQ: CNFR
Conifer Holdings Inc Stock

$0.70+0.04 (+6.06%)
Updated Apr 30, 2025
CNFR Price
$0.70
Fair Value Price
N/A
Market Cap
$8.56M
52 Week Low
$0.42
52 Week High
$1.91
P/E
0.36x
P/B
0.4x
P/S
0.21x
PEG
0x
Dividend Yield
N/A
Revenue
$67.27M
Earnings
$24.35M
Gross Margin
-9%
Operating Margin
40.72%
Profit Margin
35%
Debt to Equity
12.09
Operating Cash Flow
-$33M
Beta
0.28
Next Earnings
May 22, 2025
Ex-Dividend
N/A
Next Dividend
N/A

CNFR Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine CNFR's potential to beat the market

Zen Rating Component Grades

N/A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Property & Casualty Insurance

Industry Rating
A
CNFR
Ranked
Unranked of 37

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$27.67A
$59.12A
$17.00A
View Top Property & Casualty Insurance Stocks

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Overview

Due Diligence Score

Industry Average (36)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CNFR scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CNFR ($0.70) is trading below its intrinsic value of $80.64, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CNFR is good value based on its earnings relative to its share price (0.36x), compared to the US market average (29.18x)
P/E vs Market Valuation
CNFR is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more CNFR due diligence checks available for Premium users.

Valuation

CNFR fair value

Fair Value of CNFR stock based on Discounted Cash Flow (DCF)

Price
$0.70
Fair Value
-$0.01
Undervalued by
6,661.70%
CNFR ($0.70) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CNFR price to earnings (PE)

For valuing profitable companies with steady earnings

Company
0.36x
Industry
16.63x
Market
29.18x
CNFR is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CNFR is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CNFR price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.4x
Industry
2.36x
CNFR is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CNFR price to earnings growth (PEG)

For valuing profitable companies with growth potential

CNFR is good value based... subscribe to Premium to read more.
PEG Value Valuation

CNFR's financial health

Profit margin

Revenue
$14.7M
Net Income
-$25.4M
Profit Margin
-172.4%
CNFR's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$281.7M
Liabilities
$260.1M
Debt to equity
12.09
CNFR's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CNFR's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$20.0M
Investing
$19.8M
Financing
-$4.5M

CNFR vs Property & Casualty Insurance Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CNFR$8.56M+6.06%0.36x0.40x
KINSA$233.42M-15.51%10.63x3.50x
NODKC$258.52M-0.79%-43.10x1.06x
GBLI$411.49M-0.35%9.19x0.60x
ACICB$551.48M-1.38%7.19x2.34x

Conifer Holdings Stock FAQ

What is Conifer Holdings's quote symbol?

(NASDAQ: CNFR) Conifer Holdings trades on the NASDAQ under the ticker symbol CNFR. Conifer Holdings stock quotes can also be displayed as NASDAQ: CNFR.

If you're new to stock investing, here's how to buy Conifer Holdings stock.

What is the 52 week high and low for Conifer Holdings (NASDAQ: CNFR)?

(NASDAQ: CNFR) Conifer Holdings's 52-week high was $1.91, and its 52-week low was $0.42. It is currently -63.35% from its 52-week high and 68.27% from its 52-week low.

How much is Conifer Holdings stock worth today?

(NASDAQ: CNFR) Conifer Holdings currently has 12,222,881 outstanding shares. With Conifer Holdings stock trading at $0.70 per share, the total value of Conifer Holdings stock (market capitalization) is $8.56M.

Conifer Holdings stock was originally listed at a price of $10.60 in Aug 13, 2015. If you had invested in Conifer Holdings stock at $10.60, your return over the last 9 years would have been -93.4%, for an annualized return of -26.06% (not including any dividends or dividend reinvestments).

How much is Conifer Holdings's stock price per share?

(NASDAQ: CNFR) Conifer Holdings stock price per share is $0.70 today (as of Apr 30, 2025).

What is Conifer Holdings's Market Cap?

(NASDAQ: CNFR) Conifer Holdings's market cap is $8.56M, as of May 2, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Conifer Holdings's market cap is calculated by multiplying CNFR's current stock price of $0.70 by CNFR's total outstanding shares of 12,222,881.
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