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Upturn AI SWOT - About
CNFR 
Conifer Holding Inc (CNFR)
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Upturn Advisory Summary
04/01/2025: CNFR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -72.25% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 8.05M USD | Price to earnings Ratio - | 1Y Target Price 0.61 |
Price to earnings Ratio - | 1Y Target Price 0.61 | ||
Volume (30-day avg) 16362 | Beta 0.55 | 52 Weeks Range 0.45 - 1.91 | Updated Date 04/1/2025 |
52 Weeks Range 0.45 - 1.91 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-31 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin 36.19% | Operating Margin (TTM) -165.17% |
Management Effectiveness
Return on Assets (TTM) -6.57% | Return on Equity (TTM) -280.5% |
Valuation
Trailing PE - | Forward PE 72.99 | Enterprise Value -9437874 | Price to Sales(TTM) 0.12 |
Enterprise Value -9437874 | Price to Sales(TTM) 0.12 | ||
Enterprise Value to Revenue 0.35 | Enterprise Value to EBITDA - | Shares Outstanding 12222900 | Shares Floating 3675176 |
Shares Outstanding 12222900 | Shares Floating 3675176 | ||
Percent Insiders 43.76 | Percent Institutions 31.24 |
Analyst Ratings
Rating 2 | Target Price 1.07 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Conifer Holding Inc
Company Overview
History and Background
Conifer Holding Inc, founded in 1997, is a specialty insurance holding company. It has grown through acquisitions and organic expansion, focusing on underserved markets.
Core Business Areas
- Commercial Lines Insurance: Conifer provides commercial lines insurance products, including general liability, property, and workers' compensation, to small and medium-sized businesses.
- Personal Lines Insurance: Offers personal auto insurance, homeowners insurance, and other personal property coverage.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with departments focusing on underwriting, claims, sales, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Commercial auto insurance is a significant product, catering to businesses with vehicle fleets. Market share is estimated at 1.5% nationally in a fragmented market. Competitors include Progressive (PGR), Travelers (TRV), and Liberty Mutual.
- Homeowners Insurance: Provides Homeowners Insurance. Competitors for this service are Progressive (PGR), Allstate (ALL), State Farm and Liberty Mutual.
Market Dynamics
Industry Overview
The specialty insurance market is competitive, influenced by regulatory changes, economic conditions, and emerging risks such as cyber threats and climate change.
Positioning
Conifer positions itself as a provider of niche insurance solutions, focusing on underserved markets and specific risk profiles. Its competitive advantage lies in its underwriting expertise and customized solutions.
Total Addressable Market (TAM)
The US specialty insurance market has an estimated TAM of $100 Billion USD. Conifer's TAM includes underserved business segments. Conifer has <1% of the TAM.
Upturn SWOT Analysis
Strengths
- Niche market focus
- Underwriting expertise
- Strong distribution network
- Experienced management team
Weaknesses
- Limited brand recognition
- Smaller scale compared to larger competitors
- Geographic concentration in certain markets
- Dependence on independent agents
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Strategic acquisitions
- Leveraging technology to improve efficiency
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Catastrophic events
Competitors and Market Share
Key Competitors
- TRV
- HIG
- WRB
- ALL
Competitive Landscape
Conifer's competitive advantages include its niche market focus and underwriting expertise. Its disadvantages include its smaller scale and limited brand recognition compared to larger competitors.
Major Acquisitions
American Colonial Insurance Company
- Year: 2012
- Acquisition Price (USD millions): 23.4
- Strategic Rationale: Expansion of product offerings and geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and organic expansion.
Future Projections: Future growth projections depend on market conditions and successful execution of strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new states and launching new insurance products.
Summary
Conifer Holding Inc. is a niche insurer focusing on underserved markets which provides them with stability. The competition in the insurance sector is intense and they face risk if a catastrophic event occurs. Conifer has limited brand recognition. Successfully capitalizing on opportunities, new technology adoption and expanding their reach are key to sustained growth.
Similar Companies
- TRV
- HIG
- WRB
- ALL
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis
- Market research reports
Disclaimers:
The analysis is based on available information and general market conditions. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Conifer Holding Inc
Exchange NASDAQ | Headquaters Troy, MI, United States | ||
IPO Launch date 2015-08-13 | President & CEO Mr. Brian Joseph Roney B.A., B.S., M.B.A. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees - | Website https://www.cnfrh.com |
Full time employees - | Website https://www.cnfrh.com | ||
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.
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