Revenue: As of FY2025 Q1, the actual value is USD 15.88 M.EPS: As of FY2025 Q1, the actual value is USD 0.04.EBIT: As of FY2025 Q1, the actual value is USD 522 K.<h3>Segment Revenue</h3><ul><li>Gross Written Premiums: Decreased by 33.5% to $16.2 million in Q1 2025 from $24.3 million in Q1 2024, reflecting a strategic shift away from Commercial Lines following the sale of the agency group in 2024.</li><li>Personal Lines: Gross written premium increased by 22.3% to $14.1 million, driven by growth in the low-value dwelling line in Texas.</li><li>Commercial Lines: Gross written premiums decreased by 84.0% to $2.0 million.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $522,000, or $0.04 per share, compared to $74,000, or $0.01 per share, in the prior year period.</li><li>Adjusted Operating Income (Loss): - $3.7 million, or - $0.30 per share, compared to $1.3 million, or $0.11 per share, in Q1 2024.</li><li>Loss Ratio: Increased to 89.7% from 62.0%.</li><li>Expense Ratio: Increased to 50.8% from 34.7%.</li><li>Combined Ratio: Increased to 140.5% from 96.7%.</li></ul><h3>Cash Flow</h3><ul><li>Net Investment Income: $1.3 million, down from $1.5 million in the prior year period.</li><li>Change in Fair Value of Equity Securities: Loss of $192,000 compared to a gain of $43,000 in the prior year period.</li></ul><h3>Unique Metrics</h3><ul><li>Book Value: Increased to $2.09 per common share outstanding, largely due to GAAP treatment of an expected earn-out payment.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company expects the loss ratio to moderate as the year progresses, following the impact of ordinary seasonal storms in Texas. Conifer continues to focus on expanding its Personal Lines business, particularly in the homeowner’s insurance portfolio in Texas and the Midwest.</li></ul>

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CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25 | 8-K: FY2025 Q1 Revenue: USD 15.88 M