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    Insurance - Property & Casualty
Conifer Holdings, Inc.

Conifer Holdings, Inc.

CNFR
Conifer Holdings, Inc.US flagNASDAQ Global Market
1.48
USD
+0.29
- -
18.09MMarket Cap
Conifer Holdings, Inc.
CNFR
(NASDAQ Global Market)

Recent

price

1.48

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
3.96
6.8
10.9
15.57
13.68
12.25
11.02
10.66
10.75
11.96
9.49
7.36
5.42
3.62
Revenue per Share
0.08
0.05
-1.13
-0.09
-1.11
-2.74
-1.08
-0.88
0.06
-0.11
-1
-2.12
1.93
-2.19
Basic EPS, GAAP
0.24
0.35
0.92
-0.62
0.78
1.15
-2
1.72
0.3
0.55
-3.79
-1.1
-2.67
-3.17
Free Cash Flow per Basic Share
- -
- -
0.03
0.07
- -
- -
- -
- -
- -
- -
- -
- -
0.04
-0.03
Dividend per Share
- -
3.24
6.73
14.35
9.04
6.76
5.24
4.76
4.52
4.4
3.47
0.93
2.87
2.91
Book Value per Share
- -
2.96
6.55
14.39
8.9
6.71
4.93
4.81
4.61
4.18
1.77
-0.25
1.76
2.07
Tangible Book Value per Share
5
6
6
5
8
8
9
9
10
10
11
12
12
12
Basic Weighted Avg Shares
20
43
70
84
104
96
94
95
103
116
101
90
66
44
Sales/Revenue/Turnover
2.03
0.65
-10.36
0.1
-8.3
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
2
1
Depreciation Expense
- -
- -
-7
- -
-8
-22
-9
-8
1
-1
-11
-26
24
-27
Net Income, GAAP
- -
1.06
- -
57.83
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
2.11
0.8
-9.95
0.08
-8.1
-22.36
-9.8
-8.27
0.57
-0.94
-10.53
-28.79
36.72
-60.6
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
13
28
13
18
29
34
34
36
34
34
25
12
12
LT Debt
- -
21
50
77
68
53
42
43
44
41
19
3
22
25
Total Equity
- -
1.63
- -
0.04
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
5.64
- -
0.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
359.31
Return on Capital (%)
- -
3.37
-22.59
-0.79
-11.56
-35.3
-18.84
-17.98
1.39
-2.54
-26.78
-106.74
101.33
-55.8
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'25
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
12
12
12
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
12
12
Market Capitalization
6
9
15

Working Capital

FRC

•

in mil. unless spec.
Mar'25
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
101
110
70
Accounts Receivable, Net
99
92
97
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2
9
29
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
50.27%
100.45%
645.07%
Free Cash Flow
-163.83%
-155.07%
144.02%
Net Income, GAAP
-1,286.74%
86.68%
-193.99%
Sales/Revenue/Turnover
0.66%
-5.75%
-26.31%
Total Cash Common Dividend
- -
- -
1,889.47%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
25
25
25
21
90
2024
19
18
16
14
66
2025
11
11
8
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.08
-0.39
-0.22
- -
-2.12
2024
0.01
-0.32
4.32
-2.08
1.93
2025
0.04
0.17
-0.32
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
0.01
0.01
0.04
-0.03
0.04
2025
- -
- -
- -
- -
- -
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Business
Presurance Holdings, Inc. (Nasdaq: CNFR), formerly Conifer Holdings, Inc., operates as a Michigan-based insurance holding company founded in 2009 and headquartered in Troy. The company provides specialty property and casualty insurance products through its subsidiaries on both admitted and non-admitted bases across the United States, targeting niche and underserved markets via a network of approximately 4,600 independent agents in 50 states. Core offerings span commercial lines, including property, liability, commercial auto, and workers' compensation coverage for owner-operated businesses in hospitality such as restaurants, bars, taverns, and bowling centers, small grocery and convenience stores, artisan contractors like plumbers, painters, carpenters, and electricians, and security service providers; personal lines, featuring homeowners insurance and low-value dwelling fire insurance primarily in Illinois, Indiana, Louisiana, and Texas; and a wholesale agency segment distributing commercial and personal products for its subsidiaries and third-party insurers. In September 2025, the company rebranded to Presurance Holdings, Inc., effective September 30, with a new ticker symbol PRHI for common stock and PRHIZ for its 9.75% senior notes due 2028, while retaining existing CUSIP numbers and focusing on balance sheet strengthening. Recent strategic shifts include the August 2024 sale of its insurance agency operations, Conifer Insurance Services, to Bishop Street Underwriters for $45 million plus up to $25 million in earn-outs, yielding a $61 million gain and a transition to a non-risk-bearing managing general agency model emphasizing commission revenues; divestiture of its remaining interest in Sycamore Specialty Underwriters for $6.5 million; leadership change with Brian Roney appointed CEO following Nick Petcoff's resignation; and a deliberate reduction in commercial lines exposure to under 10% of premiums, driving personal lines growth of over 40% in recent quarters amid underwriting challenges reflected in combined ratios exceeding 120%.

Company News

APIChat

  • globenewswire.com

    Conifer Holdings Announces Corporate Rebrand to Presurance Holdings, Inc.

  • globenewswire.com

    Conifer Holdings Reports 2025 Second Quarter Financial Results

  • globenewswire.com

    Conifer Holdings Reports 2025 First Quarter Financial Results

  • globenewswire.com

    Conifer Holdings Reports 2024 Fourth Quarter and Year End Financial Results

  • globenewswire.com

    Conifer Holdings Reports 2024 Third Quarter Financial Results

  • globenewswire.com

    Bishop Street Underwriters Acquires Conifer Insurance Services

  • globenewswire.com

    Conifer Holdings Reports 2024 Second Quarter Financial Results

  • globenewswire.com

    Conifer Holdings Schedules Second Quarter 2024 Earnings Conference Call/Webcast for August 14, 2024

  • seekingalpha.com

    Conifer Holdings, Inc. (CNFR) Q1 2024 Earnings Call Transcript

  • globenewswire.com

    Conifer Holdings Reports 2024 First Quarter Financial Results

  • globenewswire.com

    Conifer Holdings Schedules First Quarter 2024 Earnings Conference Call/Webcast for May 15, 2024

  • globenewswire.com

    Conifer Holdings Reports 2023 Fourth Quarter and Year End Financial Results; Announces Strategic Shift to Production Based Revenue

  • globenewswire.com

    Conifer Announces Commercial Lines Capacity Partnership with Accelerant

  • globenewswire.com

    Conifer Holdings Schedules Fourth Quarter 2023 Earnings Conference Call/Webcast for April 5, 2024

  • globenewswire.com

    Conifer Announces Strategic Partnership with Palomar Serving the Cannabis Industry

  • businesswire.com

    AM Best Downgrades and Withdraws Credit Ratings of Conifer Holdings, Inc. and Subsidiaries

  • globenewswire.com

    Conifer Holdings Names New Board Chair; Appoints New Director

  • seekingalpha.com

    Conifer Holdings, Inc. (CNFR) Q3 2023 Earnings Call Transcript

  • globenewswire.com

    Conifer Holdings Reports 2023 Third Quarter Financial Results

  • globenewswire.com

    Conifer Holdings Schedules Third Quarter 2023 Earnings Conference Call/Webcast for November 10, 2023