---
title: "CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25 | 10-Q: FY2025 Q1 Revenue: USD 15.88 K"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/240230326.md"
published_at: "2025-05-14T20:14:05.000Z"
---

# CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25 | 10-Q: FY2025 Q1 Revenue: USD 15.88 K

Revenue: As of FY2025 Q1, the actual value is USD 15.88 K.

EPS: As of FY2025 Q1, the actual value is USD 0.04.

EBIT: As of FY2025 Q1, the actual value is USD 522.

### Commercial Lines

-   **Gross Written Premiums**: $2.0 million, a decrease of 84.0% from $12.8 million in the first quarter of 2024.
-   **Net Written Premiums**: -$1.6 million, a decrease of 119.4% from $8.3 million in the first quarter of 2024.
-   **Net Earned Premiums**: $1.3 million, a decrease of 84.9% from $8.8 million in the first quarter of 2024.
-   **Net Losses and LAE**: $1.5 million, with a calendar year loss ratio of 113.1%.

### Personal Lines

-   **Gross Written Premiums**: $14.1 million, an increase of 22.3% from $11.6 million in the first quarter of 2024.
-   **Net Written Premiums**: $12.4 million, an increase of 75.2% from $7.1 million in the first quarter of 2024.
-   **Net Earned Premiums**: $9.0 million, an increase of 11.1% from $8.1 million in the first quarter of 2024.
-   **Net Losses and LAE**: $7.8 million, with a calendar year loss ratio of 86.3%.

### Total Underwriting

-   **Net Earned Premiums**: $10.3 million, a decrease of 38.9% from $16.9 million in the first quarter of 2024.
-   **Net Losses and LAE**: $9.3 million, a decrease of 11.8% from $10.5 million in the first quarter of 2024.
-   **Underwriting Loss**: -$4.2 million compared to a gain of $0.6 million in the first quarter of 2024.

### Corporate

-   **Net Investment Income**: $1.3 million, a decrease of 16.6% from $1.5 million in the first quarter of 2024.
-   **Net Realized Investment Gains**: $3, compared to $0 in the first quarter of 2024.
-   **Change in Fair Value of Equity Securities**: -$192, compared to $43 in the first quarter of 2024.
-   **Interest Expense**: $541, a decrease of 38.3% from $877 in the first quarter of 2024.

### Outlook

The company plans to focus on increasing the RBC ratio of CIC above 200% by not paying intercompany service fees in 2025 and potentially entering into a quota share agreement with its homeowners book of business. Additional contributions to CIC may be necessary to achieve this target.

### Related Stocks

- [CNFRZ.US - CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25](https://longbridge.com/en/quote/CNFRZ.US.md)
- [PRHIZ.US - PRESURANCE HOLDINGS INC. 9.75% NTS 30/09/28 USD25](https://longbridge.com/en/quote/PRHIZ.US.md)

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.