Conifer (CNFR) vs. Endurance Specialty (ENH) Head-To-Head Contrast

Conifer (NASDAQ: CNFR) and Endurance Specialty (NYSE:ENH) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, earnings, profitability, institutional ownership and valuation.

Insider and Institutional Ownership

27.3% of Conifer shares are owned by institutional investors. Comparatively, 82.7% of Endurance Specialty shares are owned by institutional investors. 45.5% of Conifer shares are owned by company insiders. Comparatively, 5.8% of Endurance Specialty shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Conifer and Endurance Specialty’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Conifer $96.84 million 0.56 -$21.54 million ($2.81) -2.27
Endurance Specialty N/A N/A N/A $4.93 18.86

Endurance Specialty has lower revenue, but higher earnings than Conifer. Conifer is trading at a lower price-to-earnings ratio than Endurance Specialty, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent recommendations for Conifer and Endurance Specialty, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Conifer 0 2 0 0 2.00
Endurance Specialty 0 0 0 0 N/A

Conifer currently has a consensus target price of $5.50, indicating a potential downside of 13.93%. Given Conifer’s higher possible upside, equities research analysts clearly believe Conifer is more favorable than Endurance Specialty.


This table compares Conifer and Endurance Specialty’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Conifer -22.25% -38.31% -10.19%
Endurance Specialty 4.41% 1.29% 0.72%


Endurance Specialty pays an annual dividend of $1.52 per share and has a dividend yield of 1.6%. Conifer does not pay a dividend. Endurance Specialty pays out 30.8% of its earnings in the form of a dividend. Endurance Specialty has raised its dividend for 7 consecutive years.


Endurance Specialty beats Conifer on 7 of the 11 factors compared between the two stocks.

Conifer Company Profile

Conifer Holdings, Inc. is an insurance holding company. Through its insurance company subsidiaries, the Company offers insurance coverage in both specialty commercial and specialty personal product lines. It operates through two segments: commercial lines and personal lines. It is engaged in underwriting and marketing insurance coverage, and administering claims processing for such policies. The Company offers coverage for property, liability, automobile, and other miscellaneous coverage primarily to owner-operated small and mid-sized businesses, professional organizations and hospitality businesses, such as restaurants, bars and taverns. The Company offers coverage for low-value dwelling, wind-exposed homeowners and automobile. Its personal lines products include Catastrophe coverage, including hurricane and wind coverage, to underserved homeowners in Florida, Hawaii and Texas, and Dwelling insurance.

Endurance Specialty Company Profile

Endurance Specialty Holdings Ltd. is a holding company. The Company, through its operating subsidiaries in Bermuda, the United States and the United Kingdom, focuses on underwriting specialty lines of personal and commercial property, and casualty insurance and reinsurance. It operates through two segments: Insurance and Reinsurance. In the Insurance segment, it writes agriculture, casualty and other specialty, professional lines, and property, marine/energy and aviation insurance. In the Reinsurance segment, it writes catastrophe, property, casualty, professional lines and specialty reinsurance. Its Insurance and Reinsurance segments both include property-related coverages, which provide insurance or reinsurance of an insurable interest in tangible property for property loss, damage or loss of use. In addition, its Insurance and Reinsurance segments include various casualty insurance and reinsurance coverages, which are concerned with the losses caused by injuries to third parties.

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