KINGSWAY FINANCIAL SERVICES (KFS)
US4969042021 - Common Stock
Taking everything into account, KFS scores 2 out of 10 in our fundamental rating. KFS was compared to 141 industry peers in the Insurance industry. KFS may be in some trouble as it scores bad on both profitability and health. KFS has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
KFS had positive earnings in the past year.
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.
KFS had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 11.93%, KFS belongs to the top of the industry, outperforming 97.86% of the companies in the same industry.
With an excellent Return On Equity value of 85.12%, KFS belongs to the best of the industry, outperforming 98.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.93% | ||
| ROE | 85.12% | ||
| ROIC | N/A |
ROA(3y)6.75%
ROA(5y)3.36%
ROE(3y)32.4%
ROE(5y)-33.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 22.68%, KFS belongs to the best of the industry, outperforming 90.71% of the companies in the same industry.
The Operating Margin and Gross Margin are not available for KFS so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.68% | ||
| 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
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 more shares outstanding than it did 1 year ago.
Compared to 5 years ago, KFS has more shares outstanding
The debt/assets ratio for KFS has been reduced compared to a year ago.
2.2 Solvency
KFS has an Altman-Z score of -1.16. 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 (-1.16) than 67.86% of its industry peers.
A Debt/Equity ratio of 1.60 is on the high side and indicates that KFS has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.60, KFS is doing worse than 91.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.16 |
ROIC/WACCN/A
WACC13.54%
2.3 Liquidity
KFS has a Current Ratio of 0.51. 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 0.51, KFS is in the better half of the industry, outperforming 72.86% of the companies in the same industry.
KFS has a Quick Ratio of 0.51. 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 0.51, KFS is doing good in the industry, outperforming 72.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.51 | ||
| Quick Ratio | 0.51 |
3. Growth
3.1 Past
KFS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.26%.
The Revenue has grown by 24.39% in the past year. This is a very strong growth!
KFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.83% yearly.
EPS 1Y (TTM)-5.26%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q81.25%
Revenue 1Y (TTM)24.39%
Revenue growth 3Y19.08%
Revenue growth 5Y14.83%
Revenue growth Q2Q85.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.13, which indicates a very decent valuation of KFS.
KFS's Price/Earnings ratio is a bit cheaper when compared to the industry. KFS is cheaper than 62.14% of the companies in the same industry.
KFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.13 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, KFS is valued a bit more expensive than 66.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 141.23 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
KFS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
KINGSWAY FINANCIAL SERVICES
NYSE:KFS (5/3/2024, 7:04:00 PM)
After market: 9.12 0 (0%)9.12
+0.19 (+2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap256.45M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.13 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.93% | ||
| ROE | 85.12% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.68% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.53
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.51 | ||
| Quick Ratio | 0.51 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-5.26%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)24.39%
Revenue growth 3Y19.08%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y