CNFR — Stock Film
STOCK FILMSCENE 1/11CNFR · $1.48
Stock Expert AI presents
CNFR
Conifer Holdings, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Conifer Holdings, Inc. A quick introduction.

On the stock market since 2015, it operates in the world of money and finance. It has 9 employees. Now — the numbers.

on the stock market since 2015
9 employees
$18.1M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.4.

The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.

WHERE DOES THE MONEY COME FROM?
92%Personal Lines1
Personal Lines1 92%Commercial Lines1 8%
92% of all revenue comes from a single line: Personal Lines1.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales have been shrinking.

An average decline of 20% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.

$104.3M
2021
$101.5M
2022
$90M
2023
$66.3M
2024
$43.3M
2025
In the vault right now:
$0
DEBT: $0
At this pace, that money lasts about 1.5 years.

Before the clock runs out, either sales must climb sharply or new money must come in. This is the most critical line in the whole picture.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

WEAK SPOTS
The stock has lost its spark0/10
Costs eat into the margin4/10
WORTH WATCHING

Cost Efficiency: As sales grow, profit fails to keep the same pace.

THE FIVE-YEAR JOURNEY
A long and steep decline.

An investor who bought at the very peak is down 65% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/1
Executives are buying their own stock

Over the last 12 months, company executives reported 6 buys and 2 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/2
Small sales, big loss

A loss of $18.4M against $43.3M in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/2
The cash has a countdown

At the current pace of spending, the cash lasts about 1.5 years. After that, the company needs to find new money.

FINALE · THE GRADE
D
0 / 100 · MoonshotScore

On our five-subject report card, CNFR sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: CNFR is a small company that closed last year at a loss. The road back to profit runs through spending discipline.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Jul 21, 2026 · stockexpertai.com · Stock Film