Kingsway Financial Services, In KFS

Competitive advantage analysis · consumer-cyclical

Corporate Default
Overall moat score
29/100
Developing

Ranked against 30 peers in Auto & Truck Dealerships

About Kingsway Financial Services, In

Kingsway Financial Services Inc. through its subsidiaries, engages in the extended warranty and business services in the United States. It operates through two segments: Extended Warranty and Kingsway Search Xcelerator. The Extended Warranty segment markets, sells, and administers vehicle service agreements and related products for new and used automobiles, motorcycles, and ATVs. This segment also markets and distributes warranty products … Full KFS analysis →

Key risks

  • ROIC Below WACC or Peers ROIC at 25.9th percentile suggests inefficient capital deployment.
  • Elevated Debt Risk Debt serviceability is weak (score 0.18), raising refinancing risk.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Developing
30
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Cost Advantage

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Signals, strengths and risks for Customer Stickiness

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Resilience

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Signals, strengths and risks for Scale & Market Position

Where KFS ranks in Auto & Truck Dealerships

Kingsway Financial Services, In ranks #22 of 31 scored companies in Auto & Truck Dealerships by moat score — the top 71%. The widest moat in the group is CarGurus, Inc. (CARG) at 77/100.

# Company Moat score Rating
18 America's Car-Mart, Inc. CRMT 46/100 Developing
19 SunCar Technology Group Inc. SDA 41/100 Developing
20 Camping World Holdings, Inc. CWH 41/100 Developing
21 Autozi Internet Technology (Glo AZI 37/100 Developing
22 Kingsway Financial Services, In KFS 29/100 Developing
23 U Power Limited UCAR 27/100 Developing
24 Cango Inc. CANG 25/100 Weak
25 Vroom, Inc. VRMMQ 25/100 Weak
26 Uxin Limited UXIN 24/100 Weak

See every General Corporate company ranked by moat score →

How KFS scores on the Corporate Default defenses

Pricing Power

Score 30 · 20% of the moat score

Pricing power is the ability to raise prices without losing volume.

Cost Advantage

Score 27 · 15% of the moat score

A cost advantage means delivering the same product for structurally less — better purchasing, denser distribution, a more automated process.

Customer Stickiness

Score 40 · 15% of the moat score

Stickiness is what makes revenue repeat without being re-won every year.

Capital Efficiency

Score 17 · 18% of the moat score

Capital efficiency asks what the company earns on the money tied up in the business.

Resilience

Score 17 · 17% of the moat score

Resilience is the capacity to get through a bad year on its own terms — enough liquidity, enough interest cover, and enough cash generation to avoid a rescue financing or a forced sale.

Scale & Market Position

Score 48 · 15% of the moat score

Scale matters only when it converts into economics.

How each Corporate Default defense is measured, in full →

Understanding KFS's moat

What is Kingsway Financial Services, In's moat score?

Kingsway Financial Services, In (KFS) scores 29 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #22 of 31 scored companies in Auto & Truck Dealerships, the top 71%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 30 companies in Auto & Truck Dealerships. Its strongest defense is Scale & Market Position (48/100) and its weakest is Capital Efficiency (17/100).

How does Kingsway Financial Services, In compare with other Auto & Truck Dealerships companies?

Kingsway Financial Services, In ranks #22 of 31 scored companies in Auto & Truck Dealerships by moat score. The widest moat in Auto & Truck Dealerships is CarGurus, Inc. (CARG) at 77/100. The companies ranked closest are Autozi Internet Technology (Glo (AZI) at 37 just above it and U Power Limited (UCAR) at 26 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Corporate Default in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 30 companies in Auto & Truck Dealerships. The defenses are then weighted to produce the overall score out of 100.

Why is Kingsway Financial Services, In scored with the Corporate Default template?

Most public companies sell a product or a service at a margin, so the moat question is whether that margin survives contact with competitors. The Corporate template scores the six defenses that show up in a general operating company's financial signature: whether it can hold price, produce more cheaply than rivals, keep its customers, earn a return above its cost of capital, withstand a downturn, and turn size into economics.

Which competitive defenses are measured for Kingsway Financial Services, In?

The Corporate Default template measures 6 defenses, and KFS scores: Pricing Power (30), Cost Advantage (27), Customer Stickiness (40), Capital Efficiency (17), Resilience (17), Scale & Market Position (48). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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