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KINGSWAY FINANCIAL SERVICES (KFS) Stock Fundamental Analysis

USA - NYSE:KFS - US4969042021 - Common Stock

12.73 USD
-0.03 (-0.24%)
Last: 11/14/2025, 2:55:22 PM
Fundamental Rating

1

Taking everything into account, KFS scores 1 out of 10 in our fundamental rating. KFS was compared to 146 industry peers in the Insurance industry. Both the profitability and financial health of KFS have multiple concerns. KFS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

KFS had negative earnings in the past year.
KFS had a negative operating cash flow in the past year.
In multiple years KFS reported negative net income over the last 5 years.
In multiple years KFS reported negative operating cash flow during the last 5 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

Looking at the Return On Assets, with a value of -5.62%, KFS is doing worse than 90.41% of the companies in the same industry.
The Return On Equity of KFS (-34.64%) is worse than 91.10% of its industry peers.
Industry RankSector Rank
ROA -5.62%
ROE -34.64%
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

KFS does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
The number of shares outstanding for KFS remains at a similar level compared to 1 year ago.
Compared to 5 years ago, KFS has more shares outstanding
The debt/assets ratio for KFS is higher compared to a year ago.
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

KFS has an Altman-Z score of -0.80. This is a bad value and indicates that KFS is not financially healthy and even has some risk of bankruptcy.
KFS's Altman-Z score of -0.80 is fine compared to the rest of the industry. KFS outperforms 63.70% of its industry peers.
A Debt/Equity ratio of 1.73 is on the high side and indicates that KFS has dependencies on debt financing.
KFS has a worse Debt to Equity ratio (1.73) than 91.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF N/A
Altman-Z -0.8
ROIC/WACCN/A
WACC8.54%
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 0.61. 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 0.61, KFS is in the better half of the industry, outperforming 76.71% of the companies in the same industry.
A Quick Ratio of 0.61 indicates that KFS may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.61, KFS is doing good in the industry, outperforming 76.71% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.61
Quick Ratio 0.61
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 -53.65%.
The Revenue has grown by 12.64% in the past year. This is quite good.
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)-53.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-44.44%
Revenue 1Y (TTM)12.64%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%16.9%

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

Based on the Enterprise Value to EBITDA ratio, KFS is valued a bit more expensive than 74.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 372.2
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

KFS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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KINGSWAY FINANCIAL SERVICES

NYSE:KFS (11/14/2025, 2:55:22 PM)

12.73

-0.03 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)03-16 2026-03-16
Inst Owners50.49%
Inst Owner Change0.92%
Ins Owners17.76%
Ins Owner Change-0.45%
Market Cap367.52M
Revenue(TTM)117.26M
Net Income(TTM)-11.67M
Analysts0
Price TargetN/A
Short Float %4.23%
Short Ratio11.92
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)-76.29%
DP-3.44%
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 3.13
P/FCF N/A
P/OCF N/A
P/B 10.91
P/tB N/A
EV/EBITDA 372.2
EPS(TTM)-0.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)-0.04
OCFYN/A
SpS4.06
BVpS1.17
TBVpS-2.22
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -5.62%
ROE -34.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF N/A
Debt/EBITDA 52.36
Cap/Depr 6.9%
Cap/Sales 0.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.61
Quick Ratio 0.61
Altman-Z -0.8
F-Score3
WACC8.54%
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)-53.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-44.44%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.64%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%16.9%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-39.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y93.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y95.67%
OCF growth 3YN/A
OCF growth 5YN/A

KINGSWAY FINANCIAL SERVICES / KFS FAQ

What is the ChartMill fundamental rating of KINGSWAY FINANCIAL SERVICES (KFS) stock?

ChartMill assigns a fundamental rating of 1 / 10 to KFS.


What is the valuation status of KINGSWAY FINANCIAL SERVICES (KFS) stock?

ChartMill assigns a valuation rating of 0 / 10 to KINGSWAY FINANCIAL SERVICES (KFS). This can be considered as Overvalued.


Can you provide the profitability details for KINGSWAY FINANCIAL SERVICES?

KINGSWAY FINANCIAL SERVICES (KFS) has a profitability rating of 1 / 10.


How financially healthy is KINGSWAY FINANCIAL SERVICES?

The financial health rating of KINGSWAY FINANCIAL SERVICES (KFS) is 2 / 10.


Is the dividend of KINGSWAY FINANCIAL SERVICES sustainable?

The dividend rating of KINGSWAY FINANCIAL SERVICES (KFS) is 0 / 10 and the dividend payout ratio is -3.44%.