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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.90
KFS's Cash to Debt is ranked lower than
58% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.48 vs. KFS: 1.90 )
Ranked among companies with meaningful Cash to Debt only.
KFS' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 2.13 Max: N/A
Current: 1.9
Equity to Asset 0.16
KFS's Equity to Asset is ranked lower than
86% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. KFS: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
KFS' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.22 Max: 0.42
Current: 0.16
0.09
0.42
Interest Coverage 0.13
KFS's Interest Coverage is ranked lower than
100% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. KFS: 0.13 )
Ranked among companies with meaningful Interest Coverage only.
KFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 5.62 Max: 6.95
Current: 0.13
0.22
6.95
F-Score: 3
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 : 2/10

vs
industry
vs
history
Operating margin (%) 0.37
KFS's Operating margin (%) is ranked lower than
88% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.56 vs. KFS: 0.37 )
Ranked among companies with meaningful Operating margin (%) only.
KFS' s Operating margin (%) Range Over the Past 10 Years
Min: -128.27  Med: -15.98 Max: 9.37
Current: 0.37
-128.27
9.37
Net-margin (%) 2.07
KFS's Net-margin (%) is ranked lower than
84% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. KFS: 2.07 )
Ranked among companies with meaningful Net-margin (%) only.
KFS' s Net-margin (%) Range Over the Past 10 Years
Min: -100.24  Med: -15.11 Max: 7.02
Current: 2.07
-100.24
7.02
ROE (%) 8.54
KFS's ROE (%) is ranked lower than
58% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. KFS: 8.54 )
Ranked among companies with meaningful ROE (%) only.
KFS' s ROE (%) Range Over the Past 10 Years
Min: -102.66  Med: -45.72 Max: 17.95
Current: 8.54
-102.66
17.95
ROA (%) 1.35
KFS's ROA (%) is ranked lower than
74% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.49 vs. KFS: 1.35 )
Ranked among companies with meaningful ROA (%) only.
KFS' s ROA (%) Range Over the Past 10 Years
Min: -13.71  Med: -7.22 Max: 3.61
Current: 1.35
-13.71
3.61
Revenue Growth (3Y)(%) -11.30
KFS's Revenue Growth (3Y)(%) is ranked lower than
95% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. KFS: -11.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KFS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -8.65 Max: 38.7
Current: -11.3
0
38.7
EBITDA Growth (3Y)(%) -41.40
KFS's EBITDA Growth (3Y)(%) is ranked lower than
98% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. KFS: -41.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KFS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -16.40 Max: 31.9
Current: -41.4
0
31.9
EPS Growth (3Y)(%) -24.80
KFS's EPS Growth (3Y)(%) is ranked lower than
96% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. KFS: -24.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KFS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 11.40 Max: 86.4
Current: -24.8
0
86.4
» KFS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

KFS Guru Trades in Q4 2014

Jim Simons 74,600 sh (+35.64%)
» More
Q1 2015

KFS Guru Trades in Q1 2015

Jim Simons 84,300 sh (+13.00%)
» More
Q2 2015

KFS Guru Trades in Q2 2015

Jim Simons 108,000 sh (+28.11%)
» More
Q3 2015

KFS Guru Trades in Q3 2015

Jim Simons 127,800 sh (+18.33%)
» 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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» Interactive Charts

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Top Ranked Articles about Kingsway Financial Services Inc

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...
Weekly CFO Buys Highlight: Martin Midstream Partners LP, Kingsway Financial Services Inc, and Micron Technology Inc.
According to GuruFocus Insider Data, the recent CFO buys were: Martin Midstream Partners LP (NASDAQ:MMLP), Kingsway Financial Services Inc. (NYSE:KFS), and Micron Technology Inc. (NASDAQ:MU). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 30.03
KFS's P/E(ttm) is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.50 vs. KFS: 30.03 )
Ranked among companies with meaningful P/E(ttm) only.
KFS' s P/E(ttm) Range Over the Past 10 Years
Min: 7.01  Med: 8.71 Max: 33.48
Current: 30.03
7.01
33.48
P/B 2.43
KFS's P/B is ranked lower than
99.99% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. KFS: 2.43 )
Ranked among companies with meaningful P/B only.
KFS' s P/B Range Over the Past 10 Years
Min: 0.18  Med: 0.95 Max: 4.11
Current: 2.43
0.18
4.11
P/S 0.47
KFS's P/S is ranked higher than
91% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.98 vs. KFS: 0.47 )
Ranked among companies with meaningful P/S only.
KFS' s P/S Range Over the Past 10 Years
Min: 0.12  Med: 0.50 Max: 2.63
Current: 0.47
0.12
2.63
EV-to-EBIT 39.62
KFS's EV-to-EBIT is ranked lower than
99.99% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.77 vs. KFS: 39.62 )
Ranked among companies with meaningful EV-to-EBIT only.
KFS' s EV-to-EBIT Range Over the Past 10 Years
Min: -32.1  Med: -0.20 Max: 960.6
Current: 39.62
-32.1
960.6
EV-to-EBITDA 22.03
KFS's EV-to-EBITDA is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.68 vs. KFS: 22.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
KFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -114  Med: -0.10 Max: 74.1
Current: 22.03
-114
74.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 6.16
KFS's Price/Tangible Book is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. KFS: 6.16 )
Ranked among companies with meaningful Price/Tangible Book only.
KFS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.32  Med: 1.19 Max: 14.32
Current: 6.16
0.32
14.32
Price/Median PS Value 1.13
KFS's Price/Median PS Value is ranked lower than
63% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. KFS: 1.13 )
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: 0.91 Max: 4.84
Current: 1.13
0.24
4.84
Earnings Yield (Greenblatt) (%) 2.51
KFS's Earnings Yield (Greenblatt) (%) is ranked lower than
87% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. KFS: 2.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KFS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 11.80 Max: 1937.2
Current: 2.51
0.1
1937.2
Forward Rate of Return (Yacktman) (%) 309.84
KFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
99% of the 71 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.25 vs. KFS: 309.84 )
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: -154.80 Max: 102.6
Current: 309.84
-1197.4
102.6

More Statistics

Revenue(Mil) $188
EPS $ 0.17
Beta0.61
Short Percentage of Float0.10%
52-Week Range $3.65 - 6.17
Shares Outstanding(Mil)19.71

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:KFS.Canada, KFSN.Germany,
Kingsway Financial Services Inc was incorporated on September 19, 1989. The Company is a holding company and is 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 Underwriting principally offers personal automobile insurance to drivers who do not meet the criteria for coverage by standard automobile insurers. Insurance Underwriting primarily markets automobile insurance products which provide coverage in three areas: liability, accident benefits and physical damage. Insurance Services includes the following subsidiaries of the Company: Assigned Risk Solutions Ltd. (ARS), IWS Acquisition Corporation (IWS) and Trinity. IWS is a 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. Trinity is a provider of warranty products and maintenance support to consumers and businesses in the HVAC and refrigeration industry. Trinity distributes its warranty products through original equipment manufacturers, HVAC distributors and commercial and residential contractors.
» More Articles for KFS

Headlines

Articles On GuruFocus.com
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 Financial Services, Inc. Earnings Analysis: 2015 By the Numbers Feb 09 2016
Kingsway Financial reports 4Q loss Feb 04 2016
Kingsway Financial reports 4Q loss Feb 04 2016
Kingsway Announces Fourth Quarter and Year-End 2015 Results Feb 04 2016
Kingsway Announces Fourth Quarter and Year-End 2015 Results Feb 04 2016
Weekly CFO Buys Highlight: Revolution Lighting Technologies, Kingsway Financial Services, OHA ... Jan 03 2016
KINGSWAY FINANCIAL SERVICES INC Financials Dec 08 2015
November 23, 2015 - Kingsway Financial Approves New Share Repurchase Program Nov 23 2015
Kingsway Financial approves new Share Repurchase Program Nov 23 2015
Kingsway Financial approves new Share Repurchase Program Nov 23 2015
Kingsway Financial Thanks Kobex Shareholders For Their Support Nov 18 2015
The Votes Are In and the Result is Clear: Change is Coming to Kobex Capital Nov 13 2015
Kingsway Financial Thanks Kobex Capital Shareholders for Their Strong Support and Assures... Nov 11 2015
Kingsway Financial Services, Inc. Earnings Q3, 2015 Nov 11 2015
KINGSWAY FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report Nov 09 2015
Preparing for Kobex's Future... Nov 09 2015
November 9, 2015 - Kingsway Pays $22.1 million to its Trust Preferred Trustees to Satisfy Entirety... Nov 09 2015
Kingsway Pays $22.1 Million to its Trust Preferred Trustees to Satisfy Entirety of Deferred Interest Nov 09 2015
Kingsway Pays $22.1 Million to its Trust Preferred Trustees to Satisfy Entirety of Deferred Interest Nov 09 2015
Kingsway Financial Now Owns 14.95% of Kobex Capital Nov 03 2015

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