KINGSWAY FINANCIAL SERVICES (KFS) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:KFS • US4969042021

12.93 USD
-0.03 (-0.23%)
At close: Feb 11, 2026
12.93 USD
0 (0%)
After Hours: 2/11/2026, 5:05:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to KFS. KFS was compared to 149 industry peers in the Insurance industry. KFS has a bad profitability rating. Also its financial health evaluation is rather negative. KFS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year KFS has reported negative net income.
  • In the past year KFS has reported a negative cash flow from operations.
  • 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 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 (-4.95%) than 86.58% of its industry peers.
  • KFS has a worse Return On Equity (-35.37%) than 88.59% of its industry peers.
Industry RankSector Rank
ROA -4.95%
ROE -35.37%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • KFS has more shares outstanding than it did 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

  • KFS has an Altman-Z score of -0.78. This is a bad value and indicates that KFS is not financially healthy and even has some risk of bankruptcy.
  • KFS has a better Altman-Z score (-0.78) than 66.44% of its industry peers.
  • A Debt/Equity ratio of 2.15 is on the high side and indicates that KFS has dependencies on debt financing.
  • KFS's Debt to Equity ratio of 2.15 is on the low side compared to the rest of the industry. KFS is outperformed by 91.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.15
Debt/FCF N/A
Altman-Z -0.78
ROIC/WACCN/A
WACC8.61%
KFS Yearly LT Debt VS Equity VS FCFKFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

  • KFS has a Current Ratio of 0.43. This is a bad value and indicates that KFS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of KFS (0.43) is better than 76.51% of its industry peers.
  • A Quick Ratio of 0.43 indicates that KFS may have some problems paying its short term obligations.
  • With a decent Quick ratio value of 0.43, KFS is doing good in the industry, outperforming 76.51% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.43
Quick Ratio 0.43
KFS Yearly Current Assets VS Current LiabilitesKFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The earnings per share for KFS have decreased strongly by -26.55% in the last year.
  • Looking at the last year, KFS shows a quite strong growth in Revenue. The Revenue has grown by 17.86% in the last year.
  • Measured over the past years, KFS shows a quite strong growth in Revenue. The Revenue has been growing by 12.82% on average per year.
EPS 1Y (TTM)-26.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
Revenue 1Y (TTM)17.86%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%36.96%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

Find the best growth stocksShow best growing peers

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 the industry average as 69.80% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3439.01
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • KFS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

KINGSWAY FINANCIAL SERVICES

NYSE:KFS (2/11/2026, 5:05:00 PM)

After market: 12.93 0 (0%)

12.93

-0.03 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)03-16
Inst Owners50.34%
Inst Owner Change-14.23%
Ins Owners17.55%
Ins Owner Change-6.84%
Market Cap374.45M
Revenue(TTM)126.33M
Net Income(TTM)-11.64M
Analysts0
Price TargetN/A
Short Float %5.43%
Short Ratio14.43
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
Dividend Growth(5Y)-76.29%
DP-5.9%
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 2.96
P/FCF N/A
P/OCF N/A
P/B 11.38
P/tB N/A
EV/EBITDA 3439.01
EPS(TTM)-0.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)0
OCFYN/A
SpS4.36
BVpS1.14
TBVpS-3.16
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -4.95%
ROE -35.37%
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 Turnover0.54
Health
Industry RankSector Rank
Debt/Equity 2.15
Debt/FCF N/A
Debt/EBITDA 556.88
Cap/Depr 9.76%
Cap/Sales 0.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.43
Quick Ratio 0.43
Altman-Z -0.78
F-Score3
WACC8.61%
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)-26.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.86%
Revenue growth 3Y11.42%
Revenue growth 5Y12.82%
Sales Q2Q%36.96%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-96.57%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y97.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y99.68%
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 for 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.


What is the financial health of KINGSWAY FINANCIAL SERVICES (KFS) stock?

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


Can you provide the dividend sustainability for KFS stock?

The dividend rating of KINGSWAY FINANCIAL SERVICES (KFS) is 0 / 10 and the dividend payout ratio is -5.9%.