Conifer Holdings Inc is an insurance company engaged in the sale of property and casualty insurance products. It is engaged in three classes of insurance businesses namely commercial lines, personal lines, and wholesale agency business. Within these three businesses, the company offers various insurance products and insurance agency services. The company views the commercial and personal lines segments as underwriting business. The wholesale agency business provides non-risk bearing revenue through commissions and policy fees. Its revenues are derived from premiums earned from insurance operations.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.44
Equity-to-Asset	0.01
Debt-to-Equity	8.68
Debt-to-EBITDA	-1.15
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.41	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-9.8
	3-Year EPS without NRI Growth Rate	-41.7

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	63.97
	9-Day RSI	53.56
	14-Day RSI	50
	6-1 Month Momentum %	-18.52
	12-1 Month Momentum %	-31.25

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-8.1
	Shareholder Yield %	70.57

Profitability Rank

3/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	-26.87
	FCF Margin %	-13.89
	ROE %	-177.96
	ROA %	-8.59
	ROIC %	-8.44
	Years of Profitability over Past 10-Year	2

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	0.13
	EV-to-EBIT	-1.46
	EV-to-EBITDA	-1.5
	EV-to-Revenue	0.34
	EV-to-Forward-Revenue	0.36
	EV-to-FCF	-2.45
	Earnings Yield (Greenblatt) %	-68.49
	FCF Yield %	-113.41

GF Value: $1.36

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