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KINGSWAY FINANCIAL SERVICES (KFS) Stock Fundamental Analysis

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

7.66  -0.01 (-0.13%)

After market: 7.66 0 (0%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to KFS. KFS was compared to 144 industry peers in the Insurance industry. KFS has a bad profitability rating. Also its financial health evaluation is rather negative. KFS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

KFS had negative earnings in the past year.
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.
KFS had negative operating cash flow in 4 of the past 5 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 0 10M -10M 20M -20M -30M

1.2 Ratios

KFS has a worse Return On Assets (-4.96%) than 93.66% of its industry peers.
Looking at the Return On Equity, with a value of -52.11%, KFS is doing worse than 95.77% of the companies in the same industry.
Industry RankSector Rank
ROA -4.96%
ROE -52.11%
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
KFS Yearly ROA, ROE, ROICKFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 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 more shares outstanding
The number of shares outstanding for KFS has been increased compared to 5 years ago.
Compared to 1 year ago, KFS has an improved debt to assets ratio.
KFS Yearly Shares OutstandingKFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 100M 200M 300M 400M 500M

2.2 Solvency

KFS has an Altman-Z score of -1.49. This is a bad value and indicates that KFS is not financially healthy and even has some risk of bankruptcy.
KFS's Altman-Z score of -1.49 is fine compared to the rest of the industry. KFS outperforms 66.90% of its industry peers.
A Debt/Equity ratio of 3.21 is on the high side and indicates that KFS has dependencies on debt financing.
With a Debt to Equity ratio value of 3.21, KFS is not doing good in the industry: 96.48% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.21
Debt/FCF N/A
Altman-Z -1.49
ROIC/WACCN/A
WACC14.18%
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 0 100M 200M

2.3 Liquidity

A Current Ratio of 0.48 indicates that KFS may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.48, KFS is in the better half of the industry, outperforming 73.94% of the companies in the same industry.
KFS has a Quick Ratio of 0.48. 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 Quick ratio, with a value of 0.48, KFS is in the better half of the industry, outperforming 73.94% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.48
Quick Ratio 0.48
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 10M 20M 30M 40M 50M

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2

3. Growth

3.1 Past

The earnings per share for KFS have decreased strongly by -152.34% in the last year.
KFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.51%.
The Revenue has been growing by 14.83% on average over the past years. This is quite good.
EPS 1Y (TTM)-152.34%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%350%
Revenue 1Y (TTM)16.51%
Revenue growth 3Y19.08%
Revenue growth 5Y14.83%
Sales Q2Q%9.48%

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 50M 100M 150M
KFS Yearly EPS VS EstimatesKFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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0

4. Valuation

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

KFS's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. KFS is more expensive than 69.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 115.46
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

KFS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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KINGSWAY FINANCIAL SERVICES

NYSE:KFS (2/21/2025, 8:04:00 PM)

After market: 7.66 0 (0%)

7.66

-0.01 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)03-05 2025-03-05
Inst Owners50.26%
Inst Owner Change-39.11%
Ins Owners24.58%
Ins Owner Change0.14%
Market Cap211.19M
Analysts0
Price TargetN/A
Short Float %2.18%
Short Ratio9.68
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.13
Dividend Growth(5Y)N/A
DPN/A
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 1.97
P/FCF N/A
P/OCF N/A
P/B 11.61
P/tB N/A
EV/EBITDA 115.46
EPS(TTM)-0.33
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.6
FCFYN/A
OCF(TTM)-0.58
OCFYN/A
SpS3.89
BVpS0.66
TBVpS-2.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.96%
ROE -52.11%
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)6.75%
ROA(5y)3.36%
ROE(3y)32.4%
ROE(5y)-33.15%
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-Score2
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 3.21
Debt/FCF N/A
Debt/EBITDA 25.65
Cap/Depr 10.55%
Cap/Sales 0.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.48
Quick Ratio 0.48
Altman-Z -1.49
F-Score2
WACC14.18%
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)-152.34%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%350%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.51%
Revenue growth 3Y19.08%
Revenue growth 5Y14.83%
Sales Q2Q%9.48%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y65.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-248.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-241.42%
OCF growth 3YN/A
OCF growth 5YN/A