RM vs CNFRL

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

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

RM vs CNFRL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

$303M

Winner

CNFRL

$303M

Max Drawdown

71.80%

Winner

CNFRL

61.46%

Sharpe Ratio

0.14

Winner

CNFRL

0.48

5Y Beta

1.09

CNFRL

N/A

Industry

Credit Services

CNFRL

N/A

P/E Ratio

6.62

Winner

CNFRL

-75.28

Forward P/E

5.93

CNFRL

N/A

PEG Ratio

0.16

CNFRL

N/A

Dividend Yield

3.63%

CNFRL

N/A

5Y Dividends CAGR

30.26%

CNFRL

N/A

5Y EPS CAGR

-5.79%

CNFRL

N/A

Debt to Equity

441.50%

Winner

CNFRL

214.27%

Free Cash Flow Yield

N/A

CNFRL

-8.93%

P/S Ratio

Winner

0.46

CNFRL

2.91

P/B Ratio

Winner

0.80

CNFRL

18.00

RM vs CNFRL - Historical Returns

Returns include dividend reinvestment.

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

-21.70%

Winner

CNFRL

+4.34%

-5.43%

Winner

CNFRL

+7.68%

-6.17%

Winner

CNFRL

+10.12%

-1.28%

Winner

CNFRL

+13.82%

5Y(CAGR)

-7.81%

Winner

CNFRL

+7.15%

10Y(CAGR)

+7.24%

CNFRL

N/A

Max(CAGR)

+6.39%

Winner

CNFRL

+7.15%

RM vs CNFRL - Annual Returns (2012 - 2026)

Returns include dividend reinvestment.

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

RM vs CNFRL Drawdown Comparison

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

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

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

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