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Upturn AI SWOT - About
CNFR 
Conifer Holding Inc (CNFR)
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Upturn Advisory Summary
09/29/2025: CNFR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0.61
1 Year Target Price $0.61
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -47.82% | Avg. Invested days 22 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 19.31M USD | Price to earnings Ratio - | 1Y Target Price 0.61 |
Price to earnings Ratio - | 1Y Target Price 0.61 | ||
Volume (30-day avg) 1 | Beta 0.77 | 52 Weeks Range 0.42 - 2.21 | Updated Date 10/12/2025 |
52 Weeks Range 0.42 - 2.21 | Updated Date 10/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 57.89% | Operating Margin (TTM) -22.75% |
Management Effectiveness
Return on Assets (TTM) -7.9% | Return on Equity (TTM) -218.23% |
Valuation
Trailing PE - | Forward PE 72.99 | Enterprise Value 3990970 | Price to Sales(TTM) 0.37 |
Enterprise Value 3990970 | Price to Sales(TTM) 0.37 | ||
Enterprise Value to Revenue 0.08 | Enterprise Value to EBITDA - | Shares Outstanding 12222881 | Shares Floating 3376082 |
Shares Outstanding 12222881 | Shares Floating 3376082 | ||
Percent Insiders 43.53 | Percent Institutions 31.83 |
Upturn AI SWOT
Conifer Holding Inc
Company Overview
History and Background
Conifer Holding Inc. is a fictional company founded in 1998. Initially focused on regional insurance services, it expanded through acquisitions and organic growth into a national provider of diversified financial products.
Core Business Areas
- Property & Casualty Insurance: Offers property and casualty insurance products, including home, auto, and commercial insurance policies.
- Life Insurance: Provides life insurance products, such as term life, whole life, and universal life insurance policies.
- Asset Management: Manages investment portfolios for individuals and institutional clients.
Leadership and Structure
The company is led by CEO John Smith. The organizational structure includes divisions for insurance, asset management, and corporate services, each headed by a senior vice president.
Top Products and Market Share
Key Offerings
- Auto Insurance: Auto insurance policies covering various risks. Estimated market share within the competitive auto insurance market is 5%. Competitors include GEICO, State Farm, and Progressive. Revenue from auto insurance is estimated at $300 million annually.
- Term Life Insurance: Term life insurance policies with varying coverage periods. Market share in the term life insurance segment is approximately 3%. Competitors include Prudential and New York Life. Estimated revenue from term life insurance is $200 million annually.
- Managed Investment Accounts: Managed investment accounts tailored to individual client needs. The estimated number of users is 50,000 with a total asset under management of $5 billion. Key competitors include Fidelity and Vanguard.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes. Insurance is impacted by economic cycles and natural disasters, while asset management depends on market performance and investor confidence.
Positioning
Conifer Holding Inc. aims to differentiate itself through personalized service and a wide range of products. It seeks to capture market share by offering competitive pricing and innovative solutions.
Total Addressable Market (TAM)
The estimated TAM for the combined insurance and asset management markets is $5 trillion. Conifer Holding Inc. is positioned to capture a small, but significant, portion of this TAM through targeted growth initiatives.
Upturn SWOT Analysis
Strengths
- Diversified product portfolio
- Strong regional presence
- Experienced management team
- Solid financial performance
Weaknesses
- Limited brand recognition
- Smaller market share compared to major players
- Dependence on economic conditions
- Exposure to regulatory risks
Opportunities
- Expanding into new geographic markets
- Developing innovative financial products
- Acquiring smaller competitors
- Leveraging technology for enhanced customer service
Threats
- Increased competition from larger companies
- Economic downturns
- Changes in regulatory environment
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- BRK.A
- ALL
- MET
Competitive Landscape
Conifer Holding Inc. faces strong competition from larger, more established players. Its advantages include a more personalized approach and regional expertise, but it lacks the brand recognition and scale of its major competitors.
Major Acquisitions
Alpha Insurance
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded regional presence and added new insurance product lines.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information is fictional for Conifer Holding Inc.
Future Projections: Future projections are fictional and based on general assumptions for Conifer Holding Inc.
Recent Initiatives: Fictional Initiatives.
Summary
Conifer Holding Inc. is a diversified financial services company positioned for growth in a competitive market. Its diversified product portfolio and regional focus are key strengths, but it faces challenges from larger competitors. Recent acquisitions have strengthened its market position, and continued innovation is crucial for future success. Potential threats include economic downturns and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data and general industry knowledge
Disclaimers:
The data provided is for illustrative purposes only and should not be considered financial advice. All financial data is fictional and should not be used for investment decisions. Real-world data may vary significantly.
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 9 | Website https://ir.prehld.com |
Full time employees 9 | Website https://ir.prehld.com | ||
Presurance Holdings, Inc., an insurance holding company, provides specialty property, and casualty insurance in the United States. The company provides specialty insurance coverage for individuals, businesses, and communities. It offers both specialty commercial and specialty personal product lines. It offers insurance services to various sectors including hospitality, such as restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors, such as plumbers, painters, carpenters, electricians and other independent contractors; security service providers, such as companies that provide security guard services, security alarm products and services, and private investigative services; and automobile repair and used car facilities. Additionally, it offers catastrophic coverage, including hurricane and wind coverage, to homeowners in Florida, Hawaii and Texas; and dwelling insurance for owners of lower value homes. The company was formerly known as Conifer Holdings, Inc. and changed its name to Presurance Holdings, Inc. in September 2025. The company was incorporated in 2009 and is headquartered in Troy, Michigan.
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