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Company Analysis

Kingsway Financial Services, In KFS

A comprehensive view of key metrics, scores, and financial health for Kingsway Financial Services, In

Overview of Kingsway Financial Services Inc.

KFS NYQ
Consumer Cyclical Auto & Truck Dealerships Framework: General Corporate Small Cap
Kingsway Financial Services Inc. (KFS), is a Small Cap company, in the Auto & Truck Dealerships industry, last closed at $9.65, about 34.7% overvalued vs fair value, -30.7% 1Y return, ranked 404/548 in sector.
Metrics Rev Growth 21.5% ROE -44.6% Div Yield 0.26%
USD 9.65
-3.11%
(Delayed)
• Vol 90d: 40.1%
Market Cap
$302.20M
Enterprise Value
$367.18M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

Website https://kingsway-financial.com
HQ Chicago, IL
Employees 433
Fiscal year Dec 31

Next Events

Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$6
$7
Current: $9.65 -35% vs base

Engine Room Money Flow™

Small Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$136.7M
21.5%%
Gross Profit
$112.5M
4.5%%
Operating Income
$-8.3M
-134.9%%
Net Income
$-10.7M
-15.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio FY2025
15.1%

Operating Cash Flow / Net Income

FCF / Net Income - not meaningful while net income is negative (a near-100% ratio here only reflects cash burn tracking accounting losses, not earnings quality)

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
0/4
Improving
0
High Impact
4
Critical
Locked Leak
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Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Kingsway Financial Services, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
48
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing KFS's balance between Growth (48.7%), Profitability (30.0%), and Safety (21.3%). Growth 49% Safety 21% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

63th percentile vs peers
64
Key Signals
Rev Growth YoY 21.5% 82p Revenue CAGR 3Y 6.0% 59p TSR 61.1% 82p EPS Growth YoY -23.1% 32p
Strengths
  • Rev Growth YoY in top 20% of peers (21.5%, 82th percentile)
  • Growth above peer median with strong metric coverage (85%)
  • TSR in top 20% of peers (61.1%, 82th percentile)
  • Gross Profit Margin in top 20% of peers (1.00, 99th percentile)
  • Debt/FCF Ratio in top 20% of peers (-48.13, 98th percentile)
Risks

No significant risks identified for this axis.

Profitability

39th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

27th percentile vs peers
28
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Kingsway Financial Services, In.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.30
- - -
-34.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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