KINGSWAY FINANCIAL SERVICES (KFS) Fundamental Analysis & Valuation

NYSE:KFS • US4969042021

Current stock price

10.7 USD
-0.06 (-0.56%)
At close:
10.7 USD
0 (0%)
After Hours:

This KFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. KFS Profitability Analysis

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 the past 5 years KFS reported 4 times negative operating cash flow.
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 2025 0 10M -10M 20M -20M -30M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -5.15%, KFS is doing worse than 87.76% of the companies in the same industry.
  • KFS has a Return On Equity of -37.93%. This is amonst the worse of the industry: KFS underperforms 89.12% of its industry peers.
Industry RankSector Rank
ROA -5.15%
ROE -37.93%
ROIC N/A
ROA(3y)0.56%
ROA(5y)2.01%
ROE(3y)-3.3%
ROE(5y)0.51%
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 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. KFS Health Analysis

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 has been increased compared to 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.
KFS Yearly Shares OutstandingKFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • KFS has an Altman-Z score of -1.06. This is a bad value and indicates that KFS is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of KFS (-1.06) is better than 64.63% of its industry peers.
  • KFS has a Debt/Equity ratio of 1.94. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of KFS (1.94) is worse than 91.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.94
Debt/FCF N/A
Altman-Z -1.06
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M

2.3 Liquidity

  • A Current Ratio of 0.30 indicates that KFS may have some problems paying its short term obligations.
  • KFS's Current ratio of 0.30 is fine compared to the rest of the industry. KFS outperforms 70.75% of its industry peers.
  • A Quick Ratio of 0.30 indicates that KFS may have some problems paying its short term obligations.
  • KFS has a Quick ratio of 0.30. This is in the better half of the industry: KFS outperforms 70.75% of its industry peers.
Industry RankSector Rank
Current Ratio 0.3
Quick Ratio 0.3
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 2025 10M 20M 30M 40M 50M

More info and screens

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

3

3. KFS Growth Analysis

3.1 Past

  • The earnings per share for KFS have decreased strongly by -26.23% in the last year.
  • The Revenue has grown by 21.77% in the past year. This is a very strong growth!
  • Measured over the past years, KFS shows a quite strong growth in Revenue. The Revenue has been growing by 17.01% on average per year.
EPS 1Y (TTM)-26.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.71%
Revenue 1Y (TTM)21.77%
Revenue growth 3Y12.65%
Revenue growth 5Y17.01%
Sales Q2Q%29.13%

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 2025 50M 100M 150M
KFS Yearly EPS VS EstimatesKFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 -0.1 -0.2 -0.3 -0.4

More info and screens

Find the best growth stocksShow best growing peers

0

4. KFS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for KFS. In the last year negative earnings were reported.
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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. KFS Dividend Analysis

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

KFS Fundamentals: All Metrics, Ratios and Statistics

KINGSWAY FINANCIAL SERVICES

NYSE:KFS (5/1/2026, 8:04:00 PM)

After market: 10.7 0 (0%)

10.7

-0.06 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.02
Industry Growth89.44
Earnings (Last)03-12
Earnings (Next)05-13
Inst Owners57.9%
Inst Owner Change14.64%
Ins Owners17.5%
Ins Owner Change-6.32%
Market Cap309.76M
Revenue(TTM)135.09M
Net Income(TTM)-11.92M
Analysts0
Price TargetN/A
Short Float %5.81%
Short Ratio14.57
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.04
Dividend Growth(5Y)-47.56%
DP-8.59%
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 2.29
P/FCF N/A
P/OCF N/A
P/B 9.86
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.43
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)0
OCFYN/A
SpS4.67
BVpS1.09
TBVpS-3.11
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -5.15%
ROE -37.93%
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)0.56%
ROA(5y)2.01%
ROE(3y)-3.3%
ROE(5y)0.51%
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-Score1
Asset Turnover0.58
Health
Industry RankSector Rank
Debt/Equity 1.94
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 17.54%
Cap/Sales 1.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.3
Quick Ratio 0.3
Altman-Z -1.06
F-Score1
WACC8.59%
ROIC/WACCN/A
Cap/Depr(3y)10.32%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.68%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-26.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.71%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.77%
Revenue growth 3Y12.65%
Revenue growth 5Y17.01%
Sales Q2Q%29.13%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-282.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-589.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-100.29%
OCF growth 3YN/A
OCF growth 5YN/A

KINGSWAY FINANCIAL SERVICES / KFS Fundamental Analysis FAQ

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

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


Can you provide the valuation status for KINGSWAY FINANCIAL SERVICES?

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


What is the profitability of KFS stock?

KINGSWAY FINANCIAL SERVICES (KFS) has a profitability rating of 0 / 10.


How financially healthy is KINGSWAY FINANCIAL SERVICES?

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