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Last update at 2025-10-15T13:30:00Z
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Conifer Holdings Reports 2025 First Quarter Financial Results
Wed 14 May 25, 08:01 PMConifer Holdings Reports 2024 Fourth Quarter and Year End Financial Results
Fri 28 Mar 25, 08:01 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | -20.49000M | -1.71000M | -0.23800M | -9.12100M | -9.46500M |
| Minority interest | - | - | - | - | - |
| Net income | -11.04900M | -1.91800M | -0.24400M | -8.20800M | -9.22700M |
| Selling general administrative | 18.79M | 16.51M | 18.47M | 17.58M | 17.68M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 104.89M | 118.59M | 107.33M | 94.63M | 94.19M |
| Reconciled depreciation | 0.42M | 0.42M | 0.44M | 0.45M | 0.39M |
| Ebit | -17.19900M | -15.22100M | -2.27400M | -10.84400M | -6.53100M |
| Ebitda | -16.78200M | -14.79800M | -1.83700M | -10.39100M | -6.14500M |
| Depreciation and amortization | 0.42M | 0.42M | 0.44M | 0.45M | 0.39M |
| Non operating income net other | - | - | 0.84M | 0.39M | 0.29M |
| Operating income | -17.19900M | -15.22100M | -2.27400M | -10.84400M | -6.53100M |
| Other operating expenses | 125.38M | 117.67M | 103.73M | 105.12M | 108.38M |
| Interest expense | 2.97M | 2.85M | 2.92M | 2.88M | 2.64M |
| Tax provision | -9.44100M | 0.21M | 0.00600M | -0.91300M | 0.05M |
| Interest income | - | - | - | 2.88M | 2.64M |
| Net interest income | -2.97100M | -2.85200M | -2.92500M | -2.88200M | -2.64400M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | -9.44100M | 0.21M | 0.00600M | -0.91300M | 0.05M |
| Total revenue | 104.89M | 118.59M | 107.33M | 94.63M | 94.19M |
| Total operating expenses | 18.79M | -133.81100M | -109.59900M | -105.47700M | 108.00M |
| Cost of revenue | - | - | - | 84.66M | 87.47M |
| Total other income expense net | -3.29100M | 13.51M | 2.04M | 1.72M | 1.58M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | -10.68100M | -1.09400M | -0.24400M | -7.82200M | -9.22700M |
| Net income applicable to common shares | -10.68100M | -1.09400M | -0.24400M | -7.82200M | -9.22700M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 201.23M | 312.35M | 290.40M | 261.60M | 247.26M |
| Intangible assets | - | - | - | - | 11.91M |
| Earning assets | - | - | - | - | - |
| Other current assets | 65.55M | 89.30M | 41.69M | -211.84200M | -210.64100M |
| Total liab | 198.34M | 293.40M | 249.90M | 217.18M | 204.54M |
| Total stockholder equity | 2.89M | 18.95M | 40.50M | 44.41M | 42.73M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 85.88M | 3.25M | -11.98300M | -5.00000M | -2.00000M |
| Common stock | 98.10M | 97.91M | 92.69M | 92.49M | 91.82M |
| Capital stock | 104.10M | 97.91M | 92.69M | 92.49M | 91.82M |
| Retained earnings | -86.68300M | -60.76000M | -50.07900M | -48.98500M | -49.58000M |
| Other liab | - | 106.53M | 82.39M | 67.11M | 66.75M |
| Good will | - | - | - | - | - |
| Other assets | 126.00M | 125.12M | -143.70400M | -141.64500M | -140.57200M |
| Cash | 11.12M | 28.04M | 9.91M | 8.19M | 7.46M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 91.71M | 19.95M | 11.98M | 5.00M | 2.00M |
| Current deferred revenue | - | -9.39600M | - | - | - |
| Net debt | 14.66M | 5.84M | 23.65M | 32.80M | 28.36M |
| Short term debt | 0.27M | - | 33.56M | 5.00M | 2.00M |
| Short long term debt | - | - | 0.00000M | 5.00M | 2.00M |
| Short long term debt total | 25.79M | 33.88M | 33.56M | 41.00M | 35.82M |
| Other stockholder equity | - | -18.20300M | -2.11000M | 0.91M | 0.49M |
| Property plant equipment | - | - | - | - | 3.90M |
| Total current assets | 65.55M | 75.77M | 251.38M | 220.03M | 218.10M |
| Long term investments | 145.31M | 137.40M | 182.73M | 183.21M | 169.73M |
| Net tangible assets | - | 18.95M | 40.50M | 44.41M | 42.73M |
| Short term investments | 24.01M | 136.13M | 172.80M | 165.32M | 162.43M |
| Net receivables | 113.84M | 112.37M | 68.67M | 46.53M | 48.22M |
| Long term debt | 25.06M | 33.88M | 33.56M | 41.00M | 33.82M |
| Inventory | -61.33200M | - | - | - | - |
| Accounts payable | 5.56M | 26.10M | 11.98M | 8.69M | 117.21M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -14.52800M | -18.20300M | -2.11000M | 0.91M | 0.49M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 92.49M | 91.82M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | -48.98500M | -49.58000M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 11.31M | -25.96200M | -182.72700M | -183.20700M | -169.73200M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 135.68M | 111.47M | 182.73M | 183.21M | 169.73M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | 41.00M | 35.82M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | 56.50M | -2.55200M | -391.58800M | -157.23500M | -68.46600M |
| Change to liabilities | 3.97M | 7.68M | 3.83M | -2.81100M | -1.80600M |
| Total cashflows from investing activities | 56.50M | 1.38M | -7.33700M | -25.01300M | 12.22M |
| Net borrowings | -2.91700M | -5.00000M | 5.12M | 2.00M | 4.35M |
| Total cash from financing activities | 2.09M | -5.01200M | 5.08M | 6.32M | 3.71M |
| Change to operating activities | -15.49200M | 11.74M | 5.91M | 21.64M | -9.82400M |
| Net income | -10.68100M | -1.09400M | 0.59M | -7.82200M | -9.22700M |
| Change in cash | 18.12M | 1.72M | 0.73M | -3.32800M | -1.07600M |
| Begin period cash flow | 9.91M | 8.19M | 7.46M | 10.79M | 11.87M |
| End period cash flow | 28.04M | 9.91M | 8.19M | 7.46M | 10.79M |
| Total cash from operating activities | -40.47400M | 5.36M | 2.98M | 15.36M | -17.00800M |
| Issuance of capital stock | 5.01M | 0.00000M | 0.00000M | 5.00M | 0.00000M |
| Depreciation | 0.42M | 0.42M | 0.44M | 0.45M | 0.39M |
| Other cashflows from investing activities | - | 1.00M | 384.33M | 132.28M | 80.77M |
| Dividends paid | - | -1.00000M | - | - | - |
| Change to inventory | - | - | - | - | 5.05M |
| Change to account receivables | -48.20700M | -16.14600M | 1.69M | 11.36M | -10.99500M |
| Sale purchase of stock | 0.01000M | -0.01200M | -0.03600M | -0.67600M | -0.63600M |
| Other cashflows from financing activities | 19.49M | 3.00M | 5.75M | 2.10M | 23.85M |
| Change to netincome | -18.09000M | -12.57900M | -7.68200M | -1.44700M | 0.68M |
| Capital expenditures | 30.32M | 1.00M | 0.08M | 0.06M | 0.09M |
| Change receivables | - | - | 1.62M | 11.94M | -11.74300M |
| Cash flows other operating | - | - | 3.96M | 14.94M | 4.25M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | 0.73M | -3.32800M | -1.07600M |
| Change in working capital | -12.12000M | 18.61M | 10.04M | 23.18M | -9.12000M |
| Stock based compensation | 0.21M | 0.22M | 0.71M | 0.96M | 0.97M |
| Other non cash items | -8.90500M | -2.72800M | -0.26200M | -1.21000M | -0.29000M |
| Free cash flow | -70.78900M | 6.36M | 2.90M | 15.30M | -17.09400M |
Sector: Financial Services Industry: Insurance - Property & Casualty
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CNFR Conifer Holding Inc |
-0.07 4.73% | 1.41 | - | 72.99 | 0.14 | 0.29 | 0.35 |
| CB Chubb Ltd |
3.16 0.95% | 335.27 | 12.85 | 12.20 | 2.16 | 1.74 | 2.48 |
| PGR Progressive Corp |
3.94 1.83% | 219.63 | 34.22 | 20.33 | 1.55 | 5.46 | 1.70 |
| ALL The Allstate Corporation |
4.52 1.95% | 236.07 | 5.68 | 8.60 | 0.83 | 1.94 | 0.96 |
| TKOMF Tokio Marine Holdings Inc. |
- -% | 42.80 | 14.81 | 10.00 | 0.0069 | 1.59 | 0.0064 |
Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. The company offers insurance coverage in specialty commercial and personal product lines. It also underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. The company 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. It 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 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Troy, Michigan.
3001 West Big Beaver Road, Troy, MI, United States, 48084
| Name | Title | Year Born |
|---|---|---|
| Mr. James George Petcoff | Exec. Chairman & Co-CEO | 1956 |
| Mr. Nicholas James Petcoff | Exec. VP, Sec., Co-CEO & Director | 1981 |
| Mr. Brian Joseph Roney B.A., B.S., M.B.A. | Pres | 1965 |
| Mr. Andrew Daniel Petcoff | Sr. VP & Director | 1984 |
| Mr. Harold James Meloche | Treasurer & CFO | 1962 |
| Ms. Jessica Gulis | Head of Investor Relations | NA |
| Mr. Richard Joseph Fiato | Corp. Counsel | NA |
| Mr. Nicholas James Petcoff | Executive VP, CEO, Secretary & Director | 1981 |
| Mr. Brian Joseph Roney B.A., B.S., M.B.A. | President | 1965 |
| Mr. James George Petcoff | Executive Director | 1956 |
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