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KINGSWAY FINANCIAL SERVICES (KFS) Stock Fundamental Analysis

USA - NYSE:KFS - US4969042021 - Common Stock

12.52 USD
-0.11 (-0.87%)
Last: 11/17/2025, 7:48:26 PM
12.52 USD
0 (0%)
After Hours: 11/17/2025, 7:48:26 PM
Fundamental Rating

1

Overall KFS gets a fundamental rating of 1 out of 10. We evaluated KFS against 147 industry peers in the Insurance industry. KFS may be in some trouble as it scores bad on both profitability and health. 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 has reported a negative 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

Looking at the Return On Assets, with a value of -5.62%, KFS is doing worse than 90.48% of the companies in the same industry.
KFS has a worse Return On Equity (-34.64%) than 91.16% 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

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.
KFS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, KFS has a worse debt to assets ratio.
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 -0.82. This is a bad value and indicates that KFS is not financially healthy and even has some risk of bankruptcy.
KFS has a Altman-Z score of -0.82. This is in the better half of the industry: KFS outperforms 63.27% of its industry peers.
KFS has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.73, KFS is doing worse than 91.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF N/A
Altman-Z -0.82
ROIC/WACCN/A
WACC8.59%
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.
KFS has a better Current ratio (0.61) than 74.83% of its industry peers.
A Quick Ratio of 0.61 indicates that KFS may have some problems paying its short term obligations.
KFS has a Quick ratio of 0.61. This is in the better half of the industry: KFS outperforms 74.83% of its industry peers.
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%.
Looking at the last year, KFS shows a quite strong growth in Revenue. The Revenue has grown by 12.64% in the last year.
The Revenue has been growing by 12.82% on average over the past years. This is quite good.
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

75.51% of the companies in the same industry are cheaper than KFS, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 368.83
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 (11/17/2025, 7:48:26 PM)

After market: 12.52 0 (0%)

12.52

-0.11 (-0.87%)

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 Change4.04%
Ins Owners17.76%
Ins Owner Change-0.56%
Market Cap361.45M
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 3.08
P/FCF N/A
P/OCF N/A
P/B 10.73
P/tB N/A
EV/EBITDA 368.83
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 -0.82
F-Score3
WACC8.59%
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%.