<span item_type="fundamental" item_id="24476ddc5a6637cefc5f856240901d29" counter_id="ST/US/CNFRZ" env="prod"></span><span item_type="announcement" item_id="550806786849578369" env="prod"></span><p>Revenue: As of FY2025 Q2, the actual value is USD 16.13 M.</p><p>EPS: As of FY2025 Q2, the actual value is USD 0.17.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 2.051 M.</p><p></p><h3>Net Income</h3><ul><li>Net income allocable to common shareholders: $2.1 million, or $0.17 per share for the second quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Net Investment Income</h3><ul><li>Net investment income: $1.3 million for the quarter ended June 30, 2025, compared to $1.5 million in the prior year period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Book Value</h3><ul><li>Book value per common share: $2.31 per share.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Gross Written Premiums</h3><ul><li>Gross written premiums increased 11.1% to $21.1 million in the second quarter of 2025, compared to $19.0 million in the prior year period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Net Written Premiums</h3><ul><li>Net written premiums: $1.4 million for the second quarter of 2025, compared to $13.2 million in the prior year period, a decrease of 89.6%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Net Earned Premiums</h3><ul><li>Net earned premiums: $9.6 million for the second quarter of 2025, compared to $16.7 million in the prior year period, a decrease of 42.6%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Adjusted Operating Income (Loss)</h3><ul><li>Adjusted operating loss: - $2.1 million, or - $0.17 per share for the second quarter ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Loss Ratio</h3><ul><li>Loss ratio: 68.8% for the second quarter of 2025, compared to 91.5% in the prior year period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Expense Ratio</h3><ul><li>Expense ratio: 52.3% for the second quarter of 2025, compared to 32.1% in the prior year period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Combined Ratio</h3><ul><li>Combined ratio: 121.1% for the second quarter of 2025, compared to 123.6% in the prior year period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The Company continues to simplify operations as the last part of its Commercial Lines production is largely running off. The gross written premium was up double digits for the period led by the Personal Lines business, which is coming back in line with expected performance metrics.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1502292/000119312525182372/cnfr-ex99_1.htm"></span></li></ul>

CNFRZ

CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25 | 8-K: FY2025 Q2 Revenue: USD 16.13 M