Conifer Holdings, Financials

CNFRZ Stock   23.00  0.48  2.13%   
Based on the key measurements obtained from Conifer Holdings,'s financial statements, Conifer Holdings, 975 is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in February. At this time, Conifer Holdings,'s Short and Long Term Debt Total is fairly stable compared to the past year. Other Current Liabilities is likely to rise to about 81.2 M in 2025, whereas Common Stock Shares Outstanding is likely to drop slightly above 9 M in 2025. Key indicators impacting Conifer Holdings,'s financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio8.27.81
Sufficiently Up
Slightly volatile
Current Ratio0.840.89
Notably Down
Very volatile
Investors should never underestimate Conifer Holdings,'s ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Conifer Holdings,'s cash flow, debt, and profitability to make informed and accurate decisions about investing in Conifer Holdings, 975.

Net Income

(22.15 Million)

  
Understanding current and past Conifer Holdings, Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Conifer Holdings,'s financial statements are interrelated, with each one affecting the others. For example, an increase in Conifer Holdings,'s assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Conifer Holdings,'s accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Conifer Holdings, 975. Check Conifer Holdings,'s Beneish M Score to see the likelihood of Conifer Holdings,'s management manipulating its earnings.

Conifer Holdings, Stock Summary

Conifer Holdings, competes with Loews Corp, Cigna Corp, Everest, Globe Life, and Hamilton Insurance. Conifer Holdings, is entity of United States. It is traded as Stock on NASDAQ exchange.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CUSIP20731J300
LocationMichigan; U.S.A
Business Address3001 West Big
IndustryInsurance
BenchmarkDow Jones Industrial
Websitewww.cnfrh.com
Phone248 559 0840

Conifer Holdings, Key Financial Ratios

Conifer Holdings, Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets261.6M290.4M312.4M311.8M358.6M253.7M
Other Current Liab(13.7M)(12.0M)(6.1M)85.9M77.3M81.2M
Net Debt32.8M23.7M5.8M13.9M16.0M16.1M
Retained Earnings(49.0M)(50.1M)(60.8M)(86.7M)(78.0M)(74.1M)
Accounts Payable8.7M12.0M6.1M5.6M6.4M8.1M
Cash8.2M9.9M28.0M11.1M12.8M14.2M
Other Assets(141.6M)(143.7M)125.1M76.3M87.7M92.1M
Net Receivables46.5M68.7M112.4M29.4M33.8M51.0M
Total Liab217.2M249.9M293.4M308.9M355.3M207.6M
Total Current Assets220.0M251.4M75.8M90.2M103.8M154.0M
Intangible Assets11.9M12.2M12.3M10.3M11.8M10.9M
Common Stock92.5M92.7M97.9M98.1M112.8M86.9M
Other Current Assets1.3M8.3M16.4M28.9M26.0M18.0M
Short Term Debt5M742K24.7M274K315.1K299.3K
Inventory(49.6M)(107.0M)(282.6M)(61.3M)(55.2M)(58.0M)

Conifer Holdings, Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
202020212022202320242025 (projected)
Depreciation And Amortization437K423K417K545K626.8K432.6K
Interest Expense2.9M2.9M3.0M3.2M3.7M2.0M
Total Revenue107.3M118.6M104.9M98.8M113.6M92.9M
Gross Profit107.3M118.6M104.9M98.8M113.6M92.9M
Other Operating Expenses103.7M117.7M125.4M96.4M110.9M98.0M
Operating Income(2.3M)(15.2M)(17.2M)(25.9M)(23.3M)(22.1M)
Ebit2.7M1.1M(17.5M)(22.4M)(20.2M)(19.2M)
Ebitda3.1M1.6M(17.1M)(21.9M)(19.7M)(18.7M)
Total Operating Expenses(109.6M)(133.8M)18.8M96.4M86.8M91.1M
Income Before Tax(238K)(1.7M)(20.5M)(25.6M)(23.1M)(21.9M)
Total Other Income Expense Net(2.7M)8.8M(3.0M)(25.6M)(23.1M)(21.9M)
Net Income(244K)(1.9M)(11.0M)(25.9M)(23.3M)(22.1M)
Income Tax Expense6K208K(9.4M)9K8.1K8.5K

Conifer Holdings, Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Conifer Holdings, 975. It measures of how well Conifer is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Conifer Holdings, brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Conifer had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Conifer Holdings, has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
202020212022202320242025 (projected)
Change In Cash729K1.7M18.1M(16.9M)(15.2M)(14.5M)
Free Cash Flow2.9M6.4M(70.8M)(13.4M)(12.1M)(11.5M)
Depreciation437K423K417K545K626.8K432.6K
Other Non Cash Items(262K)(2.7M)(8.9M)(3.5M)(3.2M)(3.0M)
Capital Expenditures86K61K78K1M30.3M0.0
Net Income595K(1.1M)(10.7M)(25.9M)(23.3M)(22.1M)
End Period Cash Flow8.2M9.9M28.0M11.1M12.8M13.4M

Conifer Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Conifer Holdings,'s current stock value. Our valuation model uses many indicators to compare Conifer Holdings, value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Conifer Holdings, competition to find correlations between indicators driving Conifer Holdings,'s intrinsic value. More Info.
Conifer Holdings, 975 is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers . At this time, Conifer Holdings,'s Return On Equity is fairly stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Conifer Holdings,'s earnings, one of the primary drivers of an investment's value.

Conifer Holdings, 975 Systematic Risk

Conifer Holdings,'s systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Conifer Holdings, volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Conifer Holdings, 975 correlated with the market. If Beta is less than 0 Conifer Holdings, generally moves in the opposite direction as compared to the market. If Conifer Holdings, Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Conifer Holdings, 975 is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Conifer Holdings, is generally in the same direction as the market. If Beta > 1 Conifer Holdings, moves generally in the same direction as, but more than the movement of the benchmark.

Steps to analyze company Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Conifer Holdings, is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Conifer has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Conifer Holdings,'s financials are consistent with your investment objective using the following steps:
  • Review Conifer Holdings,'s balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Conifer Holdings,'s liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Conifer Holdings,'s financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Conifer Holdings,'s stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

Conifer Holdings, Thematic Clasifications

Conifer Holdings, 975 is part of several thematic ideas from Insurance Providers to Insurance. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Conifer Holdings, Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Conifer Holdings,'s growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Conifer Holdings, growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.004634)

At this time, Conifer Holdings,'s Price Earnings To Growth Ratio is fairly stable compared to the past year.

Conifer Holdings, January 7, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Conifer Holdings, help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Conifer Holdings, 975. We use our internally-developed statistical techniques to arrive at the intrinsic value of Conifer Holdings, 975 based on widely used predictive technical indicators. In general, we focus on analyzing Conifer Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Conifer Holdings,'s daily price indicators and compare them against related drivers.

Additional Tools for Conifer Stock Analysis

When running Conifer Holdings,'s price analysis, check to measure Conifer Holdings,'s market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Conifer Holdings, is operating at the current time. Most of Conifer Holdings,'s value examination focuses on studying past and present price action to predict the probability of Conifer Holdings,'s future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Conifer Holdings,'s price. Additionally, you may evaluate how the addition of Conifer Holdings, to your portfolios can decrease your overall portfolio volatility.