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Also traded in: Canada, Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.13
KFS's Cash to Debt is ranked lower than
91% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. KFS: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
KFS' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 1.41 Max: N/A
Current: 0.13
Equity to Asset 0.10
KFS's Equity to Asset is ranked lower than
94% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. KFS: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
KFS' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.21 Max: 0.42
Current: 0.1
0.09
0.42
F-Score: 1
M-Score: -2.44
WACC vs ROIC
7.30%
-13.69%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 1/10

vs
industry
vs
history
Operating margin (%) -5.97
KFS's Operating margin (%) is ranked lower than
95% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.47 vs. KFS: -5.97 )
Ranked among companies with meaningful Operating margin (%) only.
KFS' s Operating margin (%) Range Over the Past 10 Years
Min: -42.01  Med: -15.98 Max: 8.88
Current: -5.97
-42.01
8.88
Net-margin (%) -1.67
KFS's Net-margin (%) is ranked lower than
93% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.89 vs. KFS: -1.67 )
Ranked among companies with meaningful Net-margin (%) only.
KFS' s Net-margin (%) Range Over the Past 10 Years
Min: -73.85  Med: -12.12 Max: 6.43
Current: -1.67
-73.85
6.43
ROE (%) -7.31
KFS's ROE (%) is ranked lower than
96% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. KFS: -7.31 )
Ranked among companies with meaningful ROE (%) only.
KFS' s ROE (%) Range Over the Past 10 Years
Min: -82.9  Med: -32.76 Max: 14.41
Current: -7.31
-82.9
14.41
ROA (%) -0.94
KFS's ROA (%) is ranked lower than
93% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.33 vs. KFS: -0.94 )
Ranked among companies with meaningful ROA (%) only.
KFS' s ROA (%) Range Over the Past 10 Years
Min: -13.71  Med: -4.41 Max: 3.13
Current: -0.94
-13.71
3.13
Revenue Growth (3Y)(%) -2.50
KFS's Revenue Growth (3Y)(%) is ranked lower than
84% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. KFS: -2.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -12.2 Max: 38.7
Current: -2.5
0
38.7
EBITDA Growth (3Y)(%) -53.90
KFS's EBITDA Growth (3Y)(%) is ranked lower than
99% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. KFS: -53.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -17.85 Max: 34.4
Current: -53.9
0
34.4
EPS Growth (3Y)(%) -41.00
KFS's EPS Growth (3Y)(%) is ranked lower than
96% of the 103 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. KFS: -41.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.85 Max: 86.4
Current: -41
0
86.4
» KFS's 10-Y Financials

Financials (Next Earnings Date: 2017-03-10)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

KFS Guru Trades in Q4 2015

Jim Simons 136,700 sh (+6.96%)
» More
Q1 2016

KFS Guru Trades in Q1 2016

Jim Simons 138,699 sh (+1.46%)
» More
Q2 2016

KFS Guru Trades in Q2 2016

Jim Simons 155,770 sh (+12.31%)
» More
Q3 2016

KFS Guru Trades in Q3 2016

Jim Simons 191,070 sh (+22.66%)
» More
» Details

Insider Trades

Latest Guru Trades with KFS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:CNFR, NAS:HALL, NAS:UNAM, NAS:PIH, NAS:AFH, NAS:NSEC, NAS:FNHC, NAS:UIHC, NYSE:HCI, NAS:BWINB, NYSE:HRTG, NAS:NMIH, NAS:GBLI, NAS:DGICB, NAS:SNC, NAS:EMCI, NAS:KNSL, NAS:NATL, NYSE:UVE, NAS:IPCC » details
Traded in other countries:KFS.Canada, KFSN.Germany,
Kingsway Financial Services Inc through its subsidiaries provides property and casualty insurance. The Company's business segments are Insurance Underwriting and Insurance Services.

Kingsway Financial Services Inc was incorporated under the Business Corporations Act (Ontario) on September 19, 1989. It is a Canadian holding company with operating subsidiaries located in the United States. The Company operates as a merchant bank primarily engaged, through its subsidiaries, in the property and casualty insurance business. The Company conducts its business through the following two reportable segments: Insurance Underwriting and Insurance Services. Insurance Underwriting and Insurance Services conduct their business and distribute their products in the United States. The insurance subsidiaries in Insurance Underwriting issue insurance policies and retain the risk of operating profit or loss related to the ultimate loss and loss adjustment expenses incurred on the underlying policies. Insurance Underwriting provides non-standard automobile insurance to individuals who do not meet the criteria for coverage by standard automobile insurers. Insurance Underwriting primarily markets automobile insurance products which provide coverage in three major areas: liability, accident benefits and physical damage. Liability insurance provides coverage for claims against the Company's insureds legally responsible for automobile accidents which have injured third-parties or caused property damage to third-parties. Accident benefit policies or personal injury protection policies provide coverage for loss of income, medical and rehabilitation expenses for insured persons who are injured in an automobile accident, regardless of fault. Physical damage policies cover damages to an insured automobile arising from a collision with another object or from other risks such as fire or theft. The Insurance Services segment offers licensed motor vehicle service agreement company and is a provider of after-market vehicle protection services distributed by credit unions in 26 states to their members. It is also a provider of warranty products and maintenance support to consumers and businesses in the heating, ventilation, air conditioning ("HVAC"), standby generator, commercial LED lighting and refrigeration industries. Trinity distributes its warranty products through original equipment manufacturers, HVAC distributors and commercial and residential contractors. It distributes its maintenance support direct through corporate owners of retail spaces throughout the United States. It markets and administers vehicle service agreements and related products for new and used automobiles throughout the United States. The Company competes with large national insurance companies and smaller regional insurance companies which produce through independent agents. It also competes with insurance companies which sell policies directly to their customers. The Company's insurance subsidiaries are subject to extensive regulation in the states in which they do business.

Top Ranked Articles about Kingsway Financial Services Inc

Weekly CFO Buys Highlights Insiders acquire shares in Cree and Kingsway Financial Services
According to GuruFocus Insider Data, the recent chief financial officer (CFO) buys were: Cree Inc. (NASDAQ:CREE) and Kingsway Financial Services (NYSE:KFS). Read more...
Kingsway Financial Services Insider Buys Shares Director buys 1,148,263 shares
Joseph Stilwell purchased 1,148,263 shares of Kingsway Financial Services (NYSE:KFS) on Sept. 30 for $5.74 per share, according to a Form 4 filing with the Securities and Exchange Commission. Stilwell now owns 3,772,218 shares of Kingsway Financial Services, which represents 19.01% of the company's shares outstanding. Read more...
Weekly CFO Buys Highlights Insiders invest in Kingsway, York Water, Brinker
According to GuruFocus Insider Data, the recent CFO buys were: Kingsway Financial Services Inc. (NYSE:KFS), York Water Co. (NASDAQ:YORW) and Brinker International Inc. (NYSE:EAT). Read more...
Weekly CFO Buys Highlight: Revolution Lighting Technologies, Kingsway Financial Services, OHA Investment Recent insider buys from company CFOs
According to GuruFocus Insider Data, the recent CFO buys were: Revolution Lighting Technologies Inc. (NASDAQ:RVLT), Kingsway Financial Services Inc. (NYSE:KFS), and OHA Investment Corp. (NASDAQ:OHAI). Read more...

Ratios

vs
industry
vs
history
P/B 3.34
KFS's P/B is ranked lower than
94% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.24 vs. KFS: 3.34 )
Ranked among companies with meaningful P/B only.
KFS' s P/B Range Over the Past 10 Years
Min: 0.21  Med: 0.96 Max: 4.11
Current: 3.34
0.21
4.11
P/S 0.75
KFS's P/S is ranked higher than
67% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. KFS: 0.75 )
Ranked among companies with meaningful P/S only.
KFS' s P/S Range Over the Past 10 Years
Min: 0.12  Med: 0.5 Max: 2.61
Current: 0.75
0.12
2.61
EV-to-EBIT 170.44
KFS's EV-to-EBIT is ranked lower than
99% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.71 vs. KFS: 170.44 )
Ranked among companies with meaningful EV-to-EBIT only.
KFS' s EV-to-EBIT Range Over the Past 10 Years
Min: -65.6  Med: -0.7 Max: 176.8
Current: 170.44
-65.6
176.8
EV-to-EBITDA 76.06
KFS's EV-to-EBITDA is ranked lower than
98% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.38 vs. KFS: 76.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
KFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -825.9  Med: -0.8 Max: 78.9
Current: 76.06
-825.9
78.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -14.40
KFS's 3-Year Average Share Buyback Ratio is ranked lower than
86% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. KFS: -14.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
KFS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -17.9  Med: -0.6 Max: 0
Current: -14.4
-17.9
0

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 1.50
KFS's Price/Median PS Value is ranked lower than
89% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. KFS: 1.50 )
Ranked among companies with meaningful Price/Median PS Value only.
KFS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 0.92 Max: 9.01
Current: 1.5
0.24
9.01
Earnings Yield (Greenblatt) (%) 0.60
KFS's Earnings Yield (Greenblatt) (%) is ranked lower than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. KFS: 0.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 13.8 Max: 1971.4
Current: 0.6
0.6
1971.4
Forward Rate of Return (Yacktman) (%) 245.68
KFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
99% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.86 vs. KFS: 245.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KFS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -1197.4  Med: -171.1 Max: 245.68
Current: 245.68
-1197.4
245.68

More Statistics

Revenue (TTM) (Mil) $162.0
EPS (TTM) $ -0.16
Beta0.42
Short Percentage of Float0.12%
52-Week Range $3.65 - 6.00
Shares Outstanding (Mil)21.46
» More Articles for KFS

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlights Nov 01 2016 
Kingsway Financial Services Insider Buys Shares Oct 04 2016 
Weekly CFO Buys Highlight Jul 19 2016 
Weekly CFO Buys Highlights May 03 2016 
Weekly CFO Buys Highlight: Revolution Lighting Technologies, Kingsway Financial Services, OHA Invest Jan 03 2016 
Weekly CFO Buys Highlight: Layne Christensen, PacWest Bancorp, Kingsway Financial Services Oct 24 2015 
Weekly CFO Buys Highlight: Martin Midstream Partners LP, Kingsway Financial Services Inc, and Micron Jul 20 2015 
Weekly CFO Buys Highlight: Ultra Clean Holdings Inc, Team Inc, Kingsway Financial Services Inc. Apr 27 2015 
Top 5 Canadian Insider Buys of Last Week Jun 20 2013 
Big Reserve hit at Canadian insurer. But were the warning signs there years earlier? Dec 28 2007 

More From Other Websites
Kingsway to Host 2016 Investor Day on November 30, 2016 Nov 23 2016
Kingsway to Host 2016 Investor Day on November 30, 2016 Nov 23 2016
Kingsway announces closing of stock private placement at US$6.50 per share; raises US$10.5 million Nov 17 2016
Kingsway announces closing of stock private placement at US$6.50 per share; raises US$10.5 million Nov 17 2016
KINGSWAY FINANCIAL SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Nov 16 2016
KINGSWAY FINANCIAL SERVICES INC Financials Nov 10 2016
KINGSWAY FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report Nov 03 2016
Weekly CFO Buys Highlights Nov 01 2016
Kingsway Financial Services, Inc. :KFS-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25,... Oct 25 2016
KINGSWAY FINANCIAL SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 21 2016
October 21, 2016 - Kingsway Announces Third Quarter 2016 Results Oct 21 2016
Kingsway Financial posts 3Q profit Oct 21 2016
Kingsway Financial posts 3Q profit Oct 21 2016
Kingsway Announces Third Quarter 2016 Results Oct 21 2016
Kingsway Announces Third Quarter 2016 Results Oct 21 2016
With Q3 Earnings on Deck Insider Buying Slows: Endurance International, Lands’ End and More Oct 08 2016
Kingsway Financial Services Insider Buys Shares Oct 04 2016
Savant Expands Investor Base, Raises over $50MM in Capital Oct 03 2016
KINGSWAY FINANCIAL SERVICES INC Files SEC form 8-K, Financial Statements and Exhibits Sep 27 2016
KINGSWAY FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report Aug 04 2016

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