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KINGSWAY FINANCIAL SERVICES (KFS) Stock Fundamental Analysis

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

14.11  -0.27 (-1.88%)

After market: 14.11 0 (0%)

Fundamental Rating

1

KFS gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. KFS may be in some trouble as it scores bad on both profitability and health. 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

In the past year KFS has reported negative net income.
KFS had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: KFS reported negative net income in multiple 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's Return On Assets of -5.42% is on the low side compared to the rest of the industry. KFS is outperformed by 90.34% of its industry peers.
KFS's Return On Equity of -52.81% is on the low side compared to the rest of the industry. KFS is outperformed by 91.72% of its industry peers.
Industry RankSector Rank
ROA -5.42%
ROE -52.81%
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.
KFS has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for KFS has been increased compared to 5 years ago.
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 -0.77. This is a bad value and indicates that KFS is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of -0.77, KFS is doing good in the industry, outperforming 66.90% of the companies in the same industry.
KFS has a Debt/Equity ratio of 3.02. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of KFS (3.02) is worse than 92.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF N/A
Altman-Z -0.77
ROIC/WACCN/A
WACC8.86%
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 0.54. This is a bad value and indicates that KFS is not financially healthy enough and could expect problems in meeting its short term obligations.
KFS's Current ratio of 0.54 is fine compared to the rest of the industry. KFS outperforms 77.93% of its industry peers.
KFS has a Quick Ratio of 0.54. This is a bad value and indicates that KFS is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.54, KFS is doing good in the industry, outperforming 77.93% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.54
Quick Ratio 0.54
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 -57.47%.
The Revenue has grown by 8.93% in the past year. This is quite good.
The Revenue has been growing by 12.82% on average over the past years. This is quite good.
EPS 1Y (TTM)-57.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-62.5%
Revenue 1Y (TTM)8.93%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%8.37%

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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KFS indicates a slightly more expensive valuation: KFS is more expensive than 71.72% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 180.03
KFS Per share dataKFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

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 (7/15/2025, 8:04:00 PM)

After market: 14.11 0 (0%)

14.11

-0.27 (-1.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)07-31 2025-07-31
Inst Owners49.33%
Inst Owner Change0%
Ins Owners18.62%
Ins Owner Change0.04%
Market Cap407.36M
Analysts0
Price TargetN/A
Short Float %3.08%
Short Ratio7.88
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)-76.29%
DP-1.72%
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 3.61
P/FCF N/A
P/OCF N/A
P/B 20.67
P/tB N/A
EV/EBITDA 180.03
EPS(TTM)-0.38
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)-0.04
OCFYN/A
SpS3.91
BVpS0.68
TBVpS-2.76
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -5.42%
ROE -52.81%
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
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-Score3
Asset Turnover0.59
Health
Industry RankSector Rank
Debt/Equity 3.02
Debt/FCF N/A
Debt/EBITDA 22.87
Cap/Depr 7.99%
Cap/Sales 0.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.54
Quick Ratio 0.54
Altman-Z -0.77
F-Score3
WACC8.86%
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)-57.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-62.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.93%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%8.37%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-6.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y92.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y95.35%
OCF growth 3YN/A
OCF growth 5YN/A