CNFRL vs RM

Comparison between Conifer Holdings Inc (CNFRL, Company) and Regional Management Corp (RM, Company).

5-Year PerformanceCNFRL has outperformed RM, delivering a return of +7.2% compared to -7.8%

CNFRL vs RM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CNFRL(COMPANY)	RM(COMPANY)
Market Cap	$303M	$303M
Max Drawdown	61.46%	71.80%
Sharpe Ratio	0.48	0.14
5Y Beta	N/A	1.09
Industry	N/A	Credit Services
P/E Ratio	-75.28	6.62
Forward P/E	N/A	5.93
PEG Ratio	N/A	0.16
Dividend Yield	N/A	3.63%
5Y Dividends CAGR	N/A	30.26%
5Y EPS CAGR	N/A	-5.79%
Debt to Equity	214.27%	441.50%
Free Cash Flow Yield	-8.93%	N/A
P/S Ratio	2.91	0.46
P/B Ratio	18.00	0.80

Market Cap

Winner

CNFRL

$303M

Max Drawdown

Winner

CNFRL

61.46%

71.80%

Sharpe Ratio

Winner

CNFRL

0.48

0.14

5Y Beta

CNFRL

N/A

1.09

Industry

CNFRL

N/A

Credit Services

P/E Ratio

Winner

CNFRL

-75.28

6.62

Forward P/E

CNFRL

N/A

5.93

PEG Ratio

CNFRL

N/A

0.16

Dividend Yield

CNFRL

N/A

3.63%

5Y Dividends CAGR

CNFRL

N/A

30.26%

5Y EPS CAGR

CNFRL

N/A

-5.79%

Debt to Equity

Winner

CNFRL

214.27%

441.50%

Free Cash Flow Yield

CNFRL

-8.93%

N/A

P/S Ratio

CNFRL

2.91

Winner

0.46

P/B Ratio

CNFRL

18.00

Winner

0.80

CNFRL vs RM - Historical Returns

Returns include dividend reinvestment.

Period	CNFRL	RM
1 month	+4.34%	-21.70%
3 months	+7.68%	-5.43%
6 months	+10.12%	-6.17%
1 year	+13.82%	-1.28%
5 years(CAGR)	+7.15%	-7.81%
10 years(CAGR)	N/A	+7.24%
Max(CAGR)	+7.15%	+6.39%

Winner

CNFRL

+4.34%

-21.70%

Winner

CNFRL

+7.68%

-5.43%

Winner

CNFRL

+10.12%

-6.17%

Winner

CNFRL

+13.82%

-1.28%

5Y(CAGR)

Winner

CNFRL

+7.15%

-7.81%

10Y(CAGR)

CNFRL

N/A

+7.24%

Max(CAGR)

Winner

CNFRL

+7.15%

+6.39%

CNFRL vs RM - Annual Returns (2012 - 2026)

Returns include dividend reinvestment.

Year	CNFRL	RM
2026	N/A	-14.99%
2025	N/A	+20.12%
2024	N/A	+33.92%
2023	+13.67%	-9.40%
2022	-0.60%	-49.56%
2021	+14.10%	+104.86%
2020	+2.04%	+0.26%
2019	+10.57%	+24.55%
2018	-16.33%	-8.66%
2017	N/A	-1.68%
2016	N/A	+78.17%
2015	N/A	+0.59%
2014	N/A	-52.00%
2013	N/A	+102.81%
2012	N/A	+0.61%

CNFRL vs RM Drawdown Comparison

The maximum drawdown for CNFRL was -57.43%, occurring on Mar 18, 2020. Recovery took 523 trading sessions.

The maximum drawdown for RM was -71.80%, occurring on Apr 3, 2020. Recovery took 681 trading sessions.

The current CNFRL drawdown is -0.09%. The current RM drawdown is -38.65%.

Rank	CNFRL	RM
#1	-57.43% Nov 1, 2018 - Dec 1, 2020	-71.80% Jun 20, 2018 - Mar 5, 2021
#2	-13.04% May 6, 2022 - Aug 26, 2022	-68.61% Jan 10, 2014 - May 7, 2018
#3	-11.70% Jun 15, 2023 - Aug 30, 2023	-64.61% Sep 27, 2021 - Feb 13, 2024
#4	-10.64% Dec 8, 2020 - Jan 5, 2021	-24.11% Apr 2, 2012 - Sep 6, 2012
#5	-7.82% Dec 30, 2021 - May 6, 2022	-15.86% Aug 1, 2013 - Sep 26, 2013
#6	-7.80% Mar 14, 2023 - May 30, 2023	-14.14% Oct 16, 2012 - Mar 4, 2013
#7	-6.29% Dec 1, 2020 - Dec 8, 2020	-12.21% Jun 8, 2021 - Jul 20, 2021
#8	-5.54% Aug 26, 2022 - Jan 10, 2023	-10.18% Oct 23, 2013 - Dec 20, 2013
#9	-4.90% Sep 14, 2021 - Dec 23, 2021	-8.53% Mar 15, 2021 - Apr 12, 2021
#10	-4.24% Jan 15, 2021 - Mar 2, 2021	-8.49% Sep 16, 2021 - Sep 24, 2021
#11	-3.58% Jun 21, 2021 - Aug 12, 2021	-7.15% Aug 4, 2021 - Aug 31, 2021
#12	-3.16% Apr 28, 2021 - Jun 15, 2021	-5.32% Jun 1, 2021 - Jun 7, 2021
#13	-2.20% Aug 12, 2021 - Sep 10, 2021	-4.72% Sep 7, 2012 - Oct 12, 2012
#14	-1.97% Feb 17, 2023 - Mar 14, 2023	-4.64% Jun 18, 2013 - Jul 5, 2013
#15	-1.89% Jan 10, 2023 - Feb 1, 2023	-4.37% May 10, 2021 - May 17, 2021