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Conifer Holdings Financial Ratios 2025-2011 | CNFR
Brief overview of Conifer Holdings's multiples and efficiency
This overview follows the five latest available observations from 2020 through 2024.
The latest available valuation ratios are P/E 0.34x (median 50.47x), P/B 0.39x (median 0.68x), P/CF 4.16x (median 5.37x). The combined multiple level is about 32.7% below the company's historical norm, suggesting more cautious expectations.
End-period return metrics are ROE -2.1%, ROA -7.7%, ROCE -2.9%. Negative returns point to losses or poor capital efficiency. Valuation multiples are less informative in this setting.
PEG is 0.47x. Price is low relative to embedded growth, though the ratio depends heavily on forecast quality.
For this sector, valuation ratios are useful only alongside capital adequacy, reserves and credit-portfolio quality.
Overall picture
Conifer Holdings trades below its own history, but weak profitability may explain the discount. Low multiples alone do not prove undervaluation.
Annual Financial Ratios Conifer Holdings
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
- | 0.3 | -0.6 | -1.6 | -20.4 | 50.5 | -4.3 | -4.3 | -2.3 | -6.3 | 646.9 | - | - | - | - |
P/S |
- | 0.1 | 0.2 | 0.2 | 0.2 | 0.3 | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | - | - | - | - |
EPS |
-1.5 | 1.9 | -2.1 | -1 | -0.1 | 0.1 | -0.9 | -1.1 | -2.7 | -1.1 | -0.1 | -2.7 | 0.2 | - | - |
EV (Enterprise Value) |
203 M | 241 M | 317 M | 282 M | 262 M | 239 M | 231 M | 220 M | 223 M | 177 M | 129 M | 95 M | 64.3 M | - | - |
EBITDA per Share |
-2.12 | -3.05 | -2.49 | -2.65 | -1.38 | -0.94 | - | - | - | -1.08 | 0.0896 | - | - | - | - |
EV/EBITDA |
-7.8 | -6.5 | -10.4 | -10.0 | -19.4 | 0.7 | - | - | - | -7.1 | 86.2 | - | - | - | - |
PEG |
- | - | - | - | - | 0.47 | -0.23 | -0.07 | 0.02 | 0.01 | 7.1 | - | - | - | - |
P/B |
- | 0.4 | 5.3 | 0.9 | 0.6 | 0.7 | 0.8 | 0.9 | 0.9 | 0.8 | 0.5 | - | - | - | - |
P/CF |
- | - | -1.1 | -0.4 | 4.2 | 10.1 | 2.2 | -2.3 | 5.4 | 8.9 | -12.5 | - | - | - | - |
ROE % |
-205.64 | 113.11 | -897.30 | -56.36 | -2.70 | 1.34 | -18.31 | -21.88 | -40.78 | -12.45 | 0.08 | - | - | - | - |
ROA % |
-7.71 | 8.64 | -8.21 | -3.42 | -0.38 | 0.23 | -3.16 | -3.96 | -9.01 | -4.14 | 0.04 | - | - | - | - |
ROCE % |
-288.72 | -173.18 | -1054.38 | -149.49 | -32.96 | -20.45 | - | - | - | -10.10 | 0.09 | - | - | - | - |
Current Ratio |
1.0 | 1.1 | 1.0 | 1.1 | 1.2 | 1.2 | 0.0 | 1.0 | 1.1 | 1.2 | 1.5 | - | - | - | - |
DSO |
- | - | - | - | - | - | 186.0 | 230.9 | 184.0 | 118.4 | 117.2 | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Conifer Holdings
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
1.17 | 0.15 | - | -0.32 | 0.17 | 0.04 | - | 4.32 | -0.32 | 0.01 | - | -0.22 | -0.39 | 0.08 | - | -0.14 | -0.86 | -0.3 | - | -0.12 | 0.57 | -0.48 | 0.34 | 0.06 | 0.16 | -0.49 | -0.32 | -0.13 | -0.34 | -0.08 | -0.56 | -0.42 | -0.13 | 0.02 | - | -2.46 | -0.14 | -0.24 | - | -0.19 | -0.07 | -0.27 | - | 0.21 | 0.09 | 0.06 | - | -0.89 | -0.66 | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
-1.14 | -0.06 | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.15 | -0.74 | -0.31 | - | -0.18 | -0.38 | -0.73 | - | -0.28 | -0.08 | -0.31 | - | -0.21 | -0.36 | -0.27 | - | -0.46 | -0.17 | 0.02 | - | -2.54 | -0.34 | -0.29 | - | -0.25 | -0.28 | -0.33 | - | 0.12 | 0.09 | - | - | 0.01 | 0.01 | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
11.52 | 4.03 | -6.38 | 102.26 | 443.45 | 445.20 | 443.16 | 420.21 | 283.46 | -37.55 | -46.57 | -55.99 | -82.52 | -63.85 | -68.34 | -71.21 | -49.14 | -12.20 | -2.76 | 4.61 | 8.70 | -0.56 | 1.34 | -13.12 | -17.22 | -27.35 | -18.31 | -22.55 | -28.09 | -41.09 | -38.99 | -27.25 | -54.83 | -37.10 | -41.01 | -47.94 | -13.92 | -12.66 | -12.25 | -8.71 | -5.08 | -3.57 | 0.02 | 3.08 | -3.64 | -7.86 | 0.07 | -5.06 | -3.48 | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
1.30 | 0.63 | -0.48 | 17.29 | 17.39 | 16.74 | 16.55 | 14.96 | -3.35 | -5.11 | -5.18 | -5.18 | -6.19 | -4.59 | -4.59 | -5.04 | -2.45 | -1.18 | -0.18 | 1.08 | 1.73 | 0.25 | 0.23 | -2.25 | -2.95 | -4.69 | -3.16 | -3.99 | -5.02 | -7.43 | -7.06 | -4.92 | -11.30 | -8.17 | -9.01 | -11.27 | -4.09 | -3.90 | -4.14 | -3.27 | -1.80 | -1.22 | 0.04 | 1.35 | -0.76 | -2.02 | 0.02 | -1.36 | -0.94 | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROCE % |
-37.94 | -45.98 | -41.76 | -56.71 | 328.37 | 360.59 | 377.92 | 332.83 | 316.55 | -57.62 | -76.92 | -87.56 | -84.93 | -63.53 | -62.93 | -67.00 | -64.70 | -41.37 | -31.54 | -37.62 | -35.19 | -33.47 | -14.35 | -18.96 | -19.90 | -23.54 | -16.92 | -26.26 | -25.10 | -17.77 | -12.48 | -49.55 | -45.14 | -45.94 | -46.24 | -48.76 | -14.83 | -13.57 | -9.33 | -8.50 | -5.52 | -3.67 | - | 0.83 | 0.47 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.0 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.0 | 1.0 | 1.0 | - | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.5 | 1.5 | 1.5 | 1.5 | 1.8 | 1.8 | 1.8 | 1.8 | 1.4 | 1.4 | 1.4 | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Conifer Holdings, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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