Conifer Holdings, Inc. (CNFR) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Universal Insurance Holdings, Inc.

Heritage Insurance Holdings, Inc.

HCI Group, Inc.

Hagerty, Inc.

United Fire Group, Inc.

American Coastal Insurance Corp.

Global Indemnity Group LLC

Greenlight Capital Re Ltd.

FG Financial Group, Inc.

Maiden Holdings Ltd.

Conifer Holdings, Inc.

Why is Conifer Holdings, Inc. ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 0.29%

Poor long term growth as Net Sales has grown by an annual rate of -11.69% and Operating profit at 10.53%

The company has declared Negative results for the last 3 consecutive quarters

OPERATING CASH FLOW(Y) Lowest at USD -38.7 MM
NET SALES(Q) Lowest at USD 6.68 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -17.66%, its profits have risen by 11.1%

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -17.66% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Conifer Holdings, Inc. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Conifer Holdings, Inc.

49.19%

-0.34

131.09%

S&P 500

16.73%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-11.69%

EBIT Growth (5y)

10.53%

EBIT to Interest (avg)

0.66

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

3.72%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

7.76%

ROCE (avg)

10.11%

ROE (avg)

0.29%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.32

EV to EBIT

43.29

EV to EBITDA

-43.29

EV to Capital Employed

1.65

EV to Sales

-0.82

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

-105.10%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

PRE-TAX PROFIT(Q)

At USD -3.97 MM has Grown at 48.55%

NET PROFIT(Q)

At USD -3.97 MM has Grown at 46.19%

-14What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -38.7 MM

NET SALES(Q)

Lowest at USD 6.68 MM

Here's what is working for Conifer Holdings, Inc.

Pre-Tax Profit

At USD -3.97 MM has Grown at 48.55%

over average net sales of the previous four periods of USD -7.72 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD -3.97 MM has Grown at 46.19%

over average net sales of the previous four periods of USD -7.38 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Conifer Holdings, Inc.

Net Sales

At USD 6.68 MM has Fallen at -56.98%

over average net sales of the previous four periods of USD 15.53 MM

MOJO Watch

Near term sales trend is extremely negative

Net Sales (USD MM)

Operating Cash Flow

Lowest at USD -38.7 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 6.68 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)