---
title: "CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25 (CNFRZ.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/CNFRZ.US.md"
symbol: "CNFRZ.US"
name: "CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25"
industry: "Insurance"
---

# CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25 (CNFRZ.US)

| Item | Detail |
|------|--------|
| Industry | Insurance |

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-22T04:30:12.000Z

**Overall: D (0.71)**

**Industry**: Insurance

| Metric | Value |
|--------|-------|
| Industry Ranking | 22 / 27 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 0.00% |  |
| Net Profit YoY | 0.00% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 0.00 |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 94.92M |  |


**Multi Score**: D

#### Profit Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -96.31% | E |
| Profit Margin | 44.07% | A |
| Gross Margin | -14.88% | E |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 0.00% | D |
| Net Profit YoY | 0.00% | C |
| Total Assets YoY | 2.18% | C |
| Net Assets YoY | 316.00% | A |

#### Cash Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -353.53% | D |
| OCF YoY | 0.00% | C |

#### Operating Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.23 | D |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 83.64% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - CONIFER HLDGS INC 9.75% NTS 30/09/28 USD25",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "D",
      "indicators": [
        {
          "name": "ROE",
          "value": "-96.31%",
          "rating": "E"
        },
        {
          "name": "Profit Margin",
          "value": "44.07%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "-14.88%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "0.00%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "2.18%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "316.00%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "D",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-353.53%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "0.00%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "D",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.23",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "83.64%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | ACGLO 5.45 P12/31/49 F (US.ACGLO) | A | C | D | D | C | C |
| 02 | Arch Capital Pref Share ACGLN 4.55 Perp 06/11/26 G (US.ACGLN) | A | C | D | D | C | C |
| 03 | Unum Group Pref Share 6.25 UNMA 06/15/2058 (US.UNMA) | B | C | D | E | C | C |
| 04 | Selective Insurance Pref Share SIGIP 4.6 Perp 12/15/25 B (US.SIGIP) | B | C | C | E | C | C |
| 05 | FG Financial Pref Share FGFPP 8 02/28/23 (US.FGNXP) | D | C | E | A | D | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/CNFRZ.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/CNFRZ.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/CNFRZ.US/topics.md) - Community topics and discussions

---

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