CNFRZ — Stock Film
STOCK FILMSCENE 1/11CNFRZ · $19.70
Stock Expert AI presents
CNFRZ
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 2025, it operates in the world of money and finance. It has 9 employees. Now — the numbers.

on the stock market since 2025
9 employees
$10.6M market value
Revenue last year:
$0
The loss that same year:
$0
For every $1 it earns, the company spends $1.5.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

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 25% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.

$116M
2021
$101.5M
2022
$90M
2023
$66.3M
2024
$36.9M
2025
In the vault right now:
$0
DEBT: $26.6M
At this pace, that money lasts about 7.6 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

What executives did with their own stock over the last 12 months:
8 buy4 sell

Executives buying with their own money is usually read as confidence in the company’s future.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 21% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
The product is selling

Sales run at $36.9M a year. A small number, but proof the product has real buyers.

2
THE BRIGHT SIDE · 2/3
Executives are buying their own stock

Over the last 12 months, company executives reported 8 buys and 4 sells. Management buying with its own money is usually read as a good sign.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $2.44 per share each year — regular cash for whoever holds the stock.

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

A loss of $18.4M against $36.9M in annual sales. And on top of that, sales fell from the year before.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

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

The takeaway: CNFRZ is a high-risk stock — not yet profitable, and its future rides on its product catching on.

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This was a film — not investment advice.
Data: FMP & company filings
Jul 21, 2026 · stockexpertai.com · Stock Film