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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

Income Statement (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Sales/Revenue/Turnover
20
43
70
84
104
96
94
95
103
116
101
90
66
+ Sales & Services Revenue
20
43
70
84
104
96
94
95
103
116
101
90
66
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
7
- -
9
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
7
9
12
15
18
17
18
18
18
17
19
- -
- -
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-7
-9
-12
-15
-18
-17
-18
-18
-18
-17
-19
- -
- -
Operating Income (Loss)
- -
- -
-7
- -
-9
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
22
9
9
- -
2
20
28
36
+ Interest Expense, Net
- -
1
1
1
1
1
3
3
3
3
3
3
5
+ Interest Expense
- -
1
1
1
1
1
3
3
3
3
3
3
5
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
-1
-1
-1
-1
21
7
6
-3
-1
18
24
31
Pretax Income
- -
- -
-7
- -
-9
-22
-9
-9
- -
-2
-20
-28
-36
- Income Tax Expense (Benefit)
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
-9
- -
-2
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
- -
- -
-7
- -
-8
-22
-9
-8
1
-1
-11
-27
-34
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
-59
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
59
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-3
-117
Income (Loss) Incl. MI
- -
- -
-7
- -
-8
-22
-9
-8
1
-1
-11
-26
24
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
- -
- -
-7
- -
-8
-22
-9
-8
1
-1
-11
-26
24
- Preferred Dividends
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
1
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
- -
- -
-7
- -
-8
-22
-9
-8
1
-1
-11
-26
24
EBIT
- -
- -
-7
- -
-9
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
- -
- -
-7
- -
-9
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
2.03
0.65
-10.36
0.1
-8.3
- -
- -
- -
- -
- -
- -
- -
- -
EBITA
- -
- -
-8
- -
-9
- -
- -
- -
- -
- -
- -
-1
-2
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
2.03
0.65
-10.36
0.1
-8.3
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
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
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
0.03
0.07
- -
- -
- -
- -
- -
- -
- -
- -
0.04
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
2
Basic Weighted Avg Shares
5
6
6
5
8
8
9
9
10
10
11
12
12
Basic EPS, GAAP
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
Basic EPS from Cont Ops
0.08
0.04
-1.09
- -
-1.11
-2.74
-1.08
-0.88
0.06
-0.11
-1
-2.23
-2.8
Diluted Weighted Avg Shares
5
6
6
5
8
8
9
9
10
10
11
12
12
Diluted EPS, GAAP
0.08
0.05
-1.12
-0.09
-1.11
-2.74
-1.08
-0.88
0.06
-0.11
-1
-2.12
1.93
Diluted EPS from Cont Ops
0.08
0.04
-1.08
- -
-1.11
-2.74
-1.08
-0.88
0.06
-0.11
-1
-2.23
-2.8

Balance Sheet (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
- -
21
35
19
136
160
140
170
174
183
164
154
154
+ Cash & Cash Equivalents
- -
11
18
13
12
12
11
7
8
10
28
11
28
+ ST Investments
- -
9
17
6
124
148
129
162
165
173
136
143
127
+ Accounts & Notes Receiv
- -
17
20
27
34
49
60
48
47
69
112
114
109
+ Accounts Receivable, Net
- -
17
20
25
32
47
56
48
47
63
111
113
101
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
2
2
1
4
- -
- -
6
1
1
8
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
-37
-55
-46
-170
-208
-200
-218
-220
-251
-277
-267
-264
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Accumulated Depreciation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Investments & Receivables
- -
57
105
118
129
158
140
170
183
183
137
145
128
+ LT Investments
- -
57
105
118
129
158
140
170
183
183
137
145
128
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
-57
-105
-118
-129
-158
-140
-170
-183
-183
-137
-145
-128
+ Total Intangible Assets
- -
2
2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Goodwill
- -
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
- -
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
-59
-108
-118
-129
-158
-140
-170
-183
-183
-137
-145
-128
Total Assets
- -
97
164
178
204
239
233
247
262
290
312
316
282
+ Payables & Accruals
- -
3
10
4
5
12
6
10
- -
5
6
14
- -
+ Accounts Payable
- -
3
10
4
5
12
6
- -
- -
5
6
14
- -
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
10
- -
- -
- -
- -
- -
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
2
5
- -
- -
- -
- -
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
2
5
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
-3
-10
-4
-5
-12
-6
-12
-5
-5
-6
-14
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
-3
-10
-4
-5
-12
-6
-12
-5
-5
-6
-14
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
- -
13
28
13
18
29
34
34
36
34
34
25
12
+ LT Borrowings
- -
13
28
13
18
29
34
34
36
34
34
25
12
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
- -
-13
-28
-13
-18
-29
-34
-34
-36
-34
-34
-25
-12
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
6
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
-13
-28
-13
-18
-29
-39
-34
-36
-34
-34
-25
-12
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
- -
76
113
101
136
186
191
205
217
250
293
313
260
+ Preferred Equity and Hybrid Capital
- -
- -
6
- -
- -
- -
- -
- -
- -
- -
- -
6
- -
+ Share Capital & APIC
- -
34
92
160
161
172
173
92
92
93
98
98
98
+ Common Stock
- -
17
46
80
80
86
87
92
92
93
98
98
98
+ Additional Paid in Capital
- -
17
46
80
80
86
87
- -
- -
- -
- -
- -
- -
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
- -
4
-3
-3
-11
-33
-42
-50
-49
-50
-61
-87
-63
+ Other Equity
- -
1
1
- -
-1
- -
-3
- -
1
-2
-18
-15
-14
Equity Before Minority Interest
- -
21
50
77
68
53
42
43
44
41
19
3
22
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
- -
21
50
77
68
53
42
43
44
41
19
3
22
Total Liabilities & Equity
- -
97
164
178
204
239
233
247
262
290
312
316
282
Shares Outstanding
- -
9
9
8
8
9
8
10
10
10
12
12
12
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Debt
- -
2
9
- -
5
17
23
28
33
24
6
14
-16
Net Debt to Equity
- -
8.43
18.05
0.06
7.75
32.48
53.86
66.38
73.86
58.39
30.82
498.37
-73.04
Tangible Common Equity Ratio
- -
20
25.94
43.42
33.28
22.1
18.11
17.28
16.98
13.95
6.07
-0.99
7.64
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
+ Net Income
- -
- -
-7
- -
-8
-22
-9
-8
1
-1
-11
-27
-34
+ Depreciation & Amortization
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Non-Cash Items
-1
-3
- -
1
1
1
1
- -
-8
-12
-18
-1
-1
+ Stock-Based Compensation
- -
- -
- -
- -
1
1
1
1
1
- -
- -
- -
- -
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-9
- -
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
-1
-3
- -
1
- -
- -
- -
-1
-8
-12
-8
-1
-1
+ Chg in Non-Cash Work Cap
1
6
13
-4
14
29
-9
23
10
19
-12
20
-1
+ (Inc) Dec in Accts Receiv
3
-2
-3
-6
-7
-15
-11
11
2
-16
-48
2
11
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
1
-1
-8
6
-1
3
-1
1
- -
-7
-8
-13
23
+ Inc (Dec) in Accts Payable
-1
1
6
-5
- -
4
3
-1
-1
4
2
8
-18
+ Inc (Dec) in Other
-1
7
18
1
21
38
- -
13
9
38
42
23
-17
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-6
3
Cash from Operating Activities
1
3
6
-3
6
9
-17
15
3
5
-40
-13
-33
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
28
36
-1
5
-1
4
- -
- -
5
- -
- -
+ Increase in Capital Stock
- -
- -
28
36
- -
5
- -
5
- -
- -
5
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
-1
- -
-1
-1
- -
- -
- -
- -
- -
+ Net Change in LT Investment
-1
-5
-47
-14
-11
-26
12
-25
-7
-3
26
-2
19
+ Dec in LT Investment
36
63
83
105
156
193
104
132
384
224
344
233
213
+ Inc in LT Investment
-37
-67
-130
-119
-167
-218
-91
-157
-392
-227
-318
-235
-194
+ Net Cash From Acq & Div
- -
9
- -
-1
- -
- -
- -
- -
- -
4
30
-1
58
+ Cash from Divestitures
- -
9
- -
- -
- -
- -
- -
- -
- -
4
33
- -
58
+ Cash for Acq of Subs
- -
- -
- -
-1
- -
- -
- -
- -
- -
- -
-2
-1
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2
-7
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
-7
Cash from Investing Activities
-1
4
-48
-15
-11
-26
12
-25
-7
1
57
- -
70
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
2
1
14
-15
5
12
6
2
11
-2
-3
-7
-14
+ Cash From Debt
2
1
18
4
7
32
25
2
11
6
20
7
- -
+ Repayments of Debt
- -
- -
-4
-19
-2
-20
-20
- -
-1
-8
-22
-14
-14
+ Other Financing Activities
- -
- -
6
-8
- -
-1
-1
- -
-6
-3
- -
4
-6
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
1
1
49
13
4
16
4
6
5
-5
2
-3
-21
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
2
7
7
-6
- -
-1
-1
-3
1
2
18
-17
17
EBITDA
- -
- -
-7
- -
-9
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
2.03
0.65
-10.36
0.1
-8.3
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow
1
2
6
-3
6
9
-17
15
3
5
-40
-13
-33
Net Cash Paid for Acquisitions
- -
-9
- -
1
- -
- -
- -
- -
- -
-4
-30
1
-58
Free Cash Flow to Firm
- -
3
- -
-3
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Equity
- -
3
26
-25
11
21
-11
17
14
3
-43
-15
-54
Free Cash Flow per Basic Share
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
Price/Free Cash Flow
- -
- -
- -
-16.77
9.76
5.01
-1.77
2.3
10.35
4.2
-0.41
-1
-0.44
Cash Flow to Net Income
3.06
7.28
-0.91
-49
-0.73
-0.42
1.84
-1.96
5.01
-4.89
3.79
0.52
-1.34
Capital Expenditures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -