Every 10-Q that Conifer Holdings, Inc (CNFR) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CNFR and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CNFR filings page.
Presurance Holdings, Inc. reported a smaller loss from continuing operations in Q3 2025 as it reshaped its underwriting and strengthened capital at its primary insurer. The company posted a net loss of $3.97 million for the quarter, compared with a $6.89 million loss a year ago, as net earned premiums fell to $6.82 million from $14.60 million with commercial lines largely in run‑off and focus on specialty homeowners.
Total revenue and other income were $6.68 million, while losses and LAE declined to $6.39 million from $15.15 million. Shareholders’ equity increased to $25.30 million from $21.53 million at year‑end, helped by unrealized gains. Assets were $285.0 million.
Liquidity remains tight at the parent company level with $0.894 million in cash at September 30, 2025, quarterly public debt interest of about $412,000, and Series B preferred dividends. The insurer subsidiary TIC’s estimated RBC ratio improved to ~261% after a $6.5 million capital contribution and a new 50% homeowners quota share effective June 1, 2025. Presurance has 9.75% senior notes due 2028 outstanding ($16.9 million gross; $12.12 million net on the balance sheet) and $7.5 million of mandatorily redeemable Series B Preferred issued with 4,000,000 warrants at $1.50.
Conifer Holdings reported a return to quarterly profitability, recording net income of $2.051 million for the three months ended June 30, 2025, compared with a loss of $3.792 million in the prior-year quarter. Revenue and underwriting activity declined as the company shifted strategy and sold its wholesale agency business; net earned premiums fell to $9.564 million from $16.666 million year-over-year for the quarter. Investment holdings totaled $135.6 million and the company held $58.3 million in cash, cash equivalents and short-term investments.
The insurance subsidiaries remain large drivers of risk: unpaid losses and loss adjustment expenses were $164.6 million and Conifer recorded an accumulated deficit of $60.6 million. Management contributed capital to support CIC, raising CIC's estimated RBC to approximately 247% as of June 30, 2025. The CIS sale generated $46.6 million of cash proceeds and contingent consideration is partially recognized (the second earnout was received in Q2 2025 and a third $10.0 million earnout is valued at $7.8 million). New Series B mandatorily redeemable preferred stock of $7.5 million was issued in early 2025.