KINGSWAY FINANCIAL SERVICES (KFS)
US4969042021 - Common Stock
We assign a fundamental rating of 1 out of 10 to KFS. KFS was compared to 141 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.
1. Profitability
1.1 Basic Checks
In the past year KFS has reported negative net income.
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
With a Return On Assets value of -4.96%, KFS is not doing good in the industry: 93.57% of the companies in the same industry are doing better.
KFS's Return On Equity of -52.11% is on the low side compared to the rest of the industry. KFS is outperformed by 95.71% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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 has been increased compared to 1 year ago.
KFS has more shares outstanding than it did 5 years ago.
KFS has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -1.42, we must say that KFS is in the distress zone and has some risk of bankruptcy.
KFS's Altman-Z score of -1.42 is fine compared to the rest of the industry. KFS outperforms 69.29% of its industry peers.
KFS has a Debt/Equity ratio of 3.21. This is a high value indicating a heavy dependency on external financing.
KFS has a Debt to Equity ratio of 3.21. This is amonst the worse of the industry: KFS underperforms 96.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.21 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.42 |
ROIC/WACCN/A
WACC13.92%
2.3 Liquidity
A Current Ratio of 0.48 indicates that KFS may have some problems paying its short term obligations.
The Current ratio of KFS (0.48) is better than 74.29% of its industry peers.
A Quick Ratio of 0.48 indicates that KFS may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.48, KFS is doing good in the industry, outperforming 74.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.48 | ||
| Quick Ratio | 0.48 |
3. Growth
3.1 Past
KFS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -152.34%.
KFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.51%.
Measured over the past years, KFS shows a quite strong growth in Revenue. The Revenue has been growing by 14.83% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
KFS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KFS indicates a slightly more expensive valuation: KFS is more expensive than 69.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 124.29 |
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 (12/20/2024, 8:21:12 PM)
After market: 8.47 0 (0%)8.47
+0.08 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners44.24%
Inst Owner Change2.01%
Ins Owners24.33%
Ins Owner Change0.15%
Market Cap233.52M
Analysts0
Price TargetN/A
Short Float %2.24%
Short Ratio11.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 2.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.84 | ||
| P/tB | N/A | ||
| EV/EBITDA | 124.29 |
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 Rank | Sector 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 Rank | Sector 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 | -1.42 |
F-Score2
WACC13.92%
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