CNFR vs ESS

Comparison between Conifer Holdings Inc (CNFR, Company) and Essex Property Trust Inc (ESS, Company).

CNFR is from the Financial Services sector, while ESS is from the Real Estate sector.

5-Year PerformanceESS has outperformed CNFR, delivering a return of +1.7% compared to -12.4%

CNFR vs ESS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CNFR(COMPANY)	ESS(COMPANY)
Market Cap	$18B	$18B
Max Drawdown	95.67%	65.33%
Sharpe Ratio	0.77	0.66
5Y Beta	0.01	0.53
Industry	Insurance - Property & Casualty	Reit - Residential
P/E Ratio	593.48	41.37
Forward P/E	90.79	50.51
Dividend Yield	N/A	3.64%
5Y Dividends CAGR	N/A	9.11%
5Y EPS CAGR	N/A	0.70%
Debt to Equity	42.75%	119.98%
Free Cash Flow Yield	-0.27%	6.18%
P/S Ratio	292.82	N/A
P/B Ratio	641.30	N/A

Market Cap

Winner

CNFR

$18B

ESS

$18B

Max Drawdown

CNFR

95.67%

Winner

ESS

65.33%

Sharpe Ratio

Winner

CNFR

0.77

ESS

0.66

5Y Beta

Winner

CNFR

0.01

ESS

0.53

Industry

CNFR

Insurance - Property & Casualty

ESS

Reit - Residential

P/E Ratio

CNFR

593.48

Winner

ESS

41.37

Forward P/E

CNFR

90.79

Winner

ESS

50.51

Dividend Yield

CNFR

N/A

ESS

3.64%

5Y Dividends CAGR

CNFR

N/A

ESS

9.11%

5Y EPS CAGR

CNFR

N/A

ESS

0.70%

Debt to Equity

Winner

CNFR

42.75%

ESS

119.98%

Free Cash Flow Yield

CNFR

-0.27%

Winner

ESS

6.18%

P/S Ratio

CNFR

292.82

ESS

N/A

P/B Ratio

CNFR

641.30

ESS

N/A

CNFR vs ESS - Historical Returns

Returns include dividend reinvestment.

Period	CNFR	ESS
1 month	+88.63%	-3.39%
3 months	+104.14%	+6.62%
6 months	+116.69%	+16.68%
1 year	+35.78%	+15.49%
5 years(CAGR)	-12.41%	+1.66%
10 years(CAGR)	-17.25%	+5.72%
Max(CAGR)	-17.66%	+12.64%

Winner

CNFR

+88.63%

ESS

-3.39%

Winner

CNFR

+104.14%

ESS

+6.62%

Winner

CNFR

+116.69%

ESS

+16.68%

Winner

CNFR

+35.78%

ESS

+15.49%

5Y(CAGR)

CNFR

-12.41%

Winner

ESS

+1.66%

10Y(CAGR)

CNFR

-17.25%

Winner

ESS

+5.72%

Max(CAGR)

CNFR

-17.66%

Winner

ESS

+12.64%

CNFR vs ESS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CNFR	ESS
2026	N/A	+14.07%
2025	+32.14%	-3.83%
2024	-15.22%	+17.40%
2023	-25.23%	+22.28%
2022	-33.76%	-38.03%
2021	-25.16%	+58.50%
2020	-18.56%	-17.37%
2019	+8.11%	+30.50%
2018	-39.13%	+5.33%
2017	-25.16%	+8.31%
2016	-11.61%	+0.75%
2015	-12.55%	+16.75%
2014	N/A	+45.18%
2013	N/A	-0.03%
2012	N/A	+7.66%
2011	N/A	+23.84%
2010	N/A	+43.89%
2009	N/A	+18.33%
2008	N/A	-16.57%
2007	N/A	-22.09%
2006	N/A	+40.90%
2005	N/A	+15.86%
2004	N/A	+36.53%
2003	N/A	+31.76%
2002	N/A	+9.40%
2001	N/A	-3.68%
2000	N/A	+72.93%
1999	N/A	+5.90%

CNFR vs ESS Drawdown Comparison

The maximum drawdown for CNFR was -95.67%, occurring on Apr 3, 2025. This drawdown has not yet recovered.

The maximum drawdown for ESS was -62.70%, occurring on Mar 2, 2009. Recovery took 1021 trading sessions.

The current CNFR drawdown is -86.04%. The current ESS drawdown is -5.99%.

Rank	CNFR	ESS
#1	-95.67% Aug 13, 2015 - Apr 3, 2025	-62.70% Feb 8, 2007 - Feb 28, 2011
#2	N/A	-44.85% Oct 21, 2019 - Jul 8, 2021
#3	N/A	-43.86% Apr 21, 2022 - Mar 23, 2023
#4	N/A	-23.28% Dec 18, 2000 - Mar 22, 2002
#5	N/A	-20.97% Dec 30, 2015 - Mar 23, 2017
#6	N/A	-19.82% Sep 8, 2011 - Oct 27, 2011
#7	N/A	-18.00% Sep 11, 2017 - Nov 28, 2018
#8	N/A	-17.84% Jun 27, 2002 - Mar 21, 2003
#9	N/A	-17.33% Dec 15, 2004 - Jun 10, 2005
#10	N/A	-16.57% Jul 22, 2013 - Feb 11, 2014
#11	N/A	-16.31% Oct 27, 2011 - Jan 26, 2012
#12	N/A	-15.85% Jul 22, 2011 - Aug 31, 2011
#13	N/A	-13.24% Jul 17, 2012 - Apr 8, 2013
#14	N/A	-12.93% May 21, 2013 - Jul 22, 2013
#15	N/A	-12.76% Mar 20, 2015 - Oct 19, 2015

Correlation

Correlation between CNFR and ESS is -0.68 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.68

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