Conifer Holding Inc (CNFR) — Cash Flow Quality Index
Latest as of June 2025:
-1.34x
Conifer Holding Inc (CNFR) has a Cash Flow Quality Index of -1.34x as of June 2025. Operating cash flow of $-2.76 Million is below net income of $2.05 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Conifer Holding Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-1.34x
Operating CF / Net Income
Operating Cash Flow
$-2.76 Million
USD
Net Income
$2.05 Million
USD
Data as of
Jun 2025
Most recent filing
Conifer Holding Inc Cash Flow Quality Index (2012–2020)
Historical Cash Flow Quality Index for Conifer Holding Inc across 3 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CNFR cash flow conversion.
Annual Cash Flow Quality Index for Conifer Holding Inc (2012–2020)
Year-by-year earnings quality comparison for Conifer Holding Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2020 | 5.01x | $2.98 Million | $595.00K | ▼ -31.2% |
| 2013 | 7.28x | $2.54 Million | $349.00K | ▲ +138.4% |
| 2012 | 3.06x | $1.26 Million | $413.00K | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.