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KINGSWAY FINANCIAL SERVICES (KFS) Stock Fundamental Analysis

NYSE:KFS - New York Stock Exchange, Inc. - US4969042021 - Common Stock - Currency: USD

8.28  -0.17 (-2.01%)

After market: 8.28 0 (0%)

Fundamental Rating

1

Overall KFS gets a fundamental rating of 1 out of 10. We evaluated KFS against 143 industry peers in the Insurance industry. Both the profitability and financial health of KFS have multiple concerns. KFS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year KFS has reported negative net income.
In the past year KFS had a positive cash flow from operations.
In multiple years KFS reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: KFS reported negative operating cash flow in multiple years.
KFS Yearly Net Income VS EBIT VS OCF VS FCFKFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M -20M -30M

1.2 Ratios

KFS has a worse Return On Assets (-5.06%) than 91.61% of its industry peers.
The Return On Equity of KFS (-56.72%) is worse than 93.01% of its industry peers.
Industry RankSector Rank
ROA -5.06%
ROE -56.72%
ROIC N/A
ROA(3y)5.12%
ROA(5y)2.69%
ROE(3y)46.83%
ROE(5y)-26.57%
ROIC(3y)N/A
ROIC(5y)N/A
KFS Yearly ROA, ROE, ROICKFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100 -150

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for KFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KFS Yearly Profit, Operating, Gross MarginsKFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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2

2. Health

2.1 Basic Checks

KFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, KFS has about the same amount of shares outstanding.
The number of shares outstanding for KFS has been increased compared to 5 years ago.
KFS has a worse debt/assets ratio than last year.
KFS Yearly Shares OutstandingKFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
KFS Yearly Total Debt VS Total AssetsKFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

Based on the Altman-Z score of -1.44, we must say that KFS is in the distress zone and has some risk of bankruptcy.
KFS has a Altman-Z score of -1.44. This is in the better half of the industry: KFS outperforms 66.43% of its industry peers.
The Debt to FCF ratio of KFS is 173.83, which is on the high side as it means it would take KFS, 173.83 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 173.83, KFS is not doing good in the industry: 77.62% of the companies in the same industry are doing better.
KFS has a Debt/Equity ratio of 3.45. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of KFS (3.45) is worse than 95.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.45
Debt/FCF 173.83
Altman-Z -1.44
ROIC/WACCN/A
WACC13.8%
KFS Yearly LT Debt VS Equity VS FCFKFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

KFS has a Current Ratio of 0.47. This is a bad value and indicates that KFS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.47, KFS is in the better half of the industry, outperforming 73.43% of the companies in the same industry.
A Quick Ratio of 0.47 indicates that KFS may have some problems paying its short term obligations.
The Quick ratio of KFS (0.47) is better than 73.43% of its industry peers.
Industry RankSector Rank
Current Ratio 0.47
Quick Ratio 0.47
KFS Yearly Current Assets VS Current LiabilitesKFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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2

3. Growth

3.1 Past

KFS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -137.87%.
The Revenue has been growing slightly by 6.68% in the past year.
KFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.82% yearly.
EPS 1Y (TTM)-137.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.83%
Revenue 1Y (TTM)6.68%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%14.37%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
KFS Yearly Revenue VS EstimatesKFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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0

4. Valuation

4.1 Price/Earnings Ratio

KFS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
KFS Price Earnings VS Forward Price EarningsKFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

69.93% of the companies in the same industry are cheaper than KFS, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, KFS is valued a bit more expensive than 78.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 688.91
EV/EBITDA 65.76
KFS Per share dataKFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for KFS!.
Industry RankSector Rank
Dividend Yield N/A

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KINGSWAY FINANCIAL SERVICES

NYSE:KFS (4/25/2025, 8:19:26 PM)

After market: 8.28 0 (0%)

8.28

-0.17 (-2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05 2025-03-05
Earnings (Next)05-07 2025-05-07
Inst Owners50.26%
Inst Owner Change-30.83%
Ins Owners24.58%
Ins Owner Change0.13%
Market Cap228.03M
Analysts0
Price TargetN/A
Short Float %2.21%
Short Ratio6.27
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)-76.29%
DP-0.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.06
P/FCF 688.91
P/OCF 219.26
P/B 13.68
P/tB N/A
EV/EBITDA 65.76
EPS(TTM)-0.34
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.01
FCFY0.15%
OCF(TTM)0.04
OCFY0.46%
SpS4.03
BVpS0.61
TBVpS-2.9
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -5.06%
ROE -56.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 0.3%
ROA(3y)5.12%
ROA(5y)2.69%
ROE(3y)46.83%
ROE(5y)-26.57%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.59
Health
Industry RankSector Rank
Debt/Equity 3.45
Debt/FCF 173.83
Debt/EBITDA 13.51
Cap/Depr 10.13%
Cap/Sales 0.64%
Interest Coverage N/A
Cash Conversion 24.42%
Profit Quality N/A
Current Ratio 0.47
Quick Ratio 0.47
Altman-Z -1.44
F-Score4
WACC13.8%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-137.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.83%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.68%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%14.37%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y34.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y101.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y103.97%
OCF growth 3YN/A
OCF growth 5YN/A