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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 1.53
KFS's Cash to Debt is ranked lower than
59% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. KFS: 1.53 )
Ranked among companies with meaningful Cash to Debt only.
KFS' s 10-Year Cash to Debt Range
Min: 0.15   Max: N/A
Current: 1.53

Equity to Asset 0.13
KFS's Equity to Asset is ranked lower than
88% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. KFS: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
KFS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.42
Current: 0.13

0.09
0.42
Interest Coverage 0.22
KFS's Interest Coverage is ranked lower than
100% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 41.04 vs. KFS: 0.22 )
Ranked among companies with meaningful Interest Coverage only.
KFS' s 10-Year Interest Coverage Range
Min: 0.22   Max: 9999.99
Current: 0.22

0.22
9999.99
F-Score: 3
Z-Score: -0.63
WACC vs ROIC
9.54%
72.50%
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 : 2/10

vs
industry
vs
history
Operating margin (%) 1.82
KFS's Operating margin (%) is ranked lower than
83% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. KFS: 1.82 )
Ranked among companies with meaningful Operating margin (%) only.
KFS' s 10-Year Operating margin (%) Range
Min: -128.27   Max: 9.37
Current: 1.82

-128.27
9.37
Net-margin (%) -4.48
KFS's Net-margin (%) is ranked lower than
93% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. KFS: -4.48 )
Ranked among companies with meaningful Net-margin (%) only.
KFS' s 10-Year Net-margin (%) Range
Min: -100.24   Max: 11.3
Current: -4.48

-100.24
11.3
ROE (%) -20.66
KFS's ROE (%) is ranked lower than
97% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. KFS: -20.66 )
Ranked among companies with meaningful ROE (%) only.
KFS' s 10-Year ROE (%) Range
Min: -102.68   Max: 17.95
Current: -20.66

-102.68
17.95
ROA (%) -2.71
KFS's ROA (%) is ranked lower than
94% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. KFS: -2.71 )
Ranked among companies with meaningful ROA (%) only.
KFS' s 10-Year ROA (%) Range
Min: -13.71   Max: 5.85
Current: -2.71

-13.71
5.85
ROC (Joel Greenblatt) (%) 98.85
KFS's ROC (Joel Greenblatt) (%) is ranked lower than
67% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 253.35 vs. KFS: 98.85 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
KFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1651.78   Max: 270.98
Current: 98.85

-1651.78
270.98
Revenue Growth (3Y)(%) -11.30
KFS's Revenue Growth (3Y)(%) is ranked lower than
94% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. KFS: -11.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 38.7
Current: -11.3

0
38.7
EBITDA Growth (3Y)(%) -41.40
KFS's EBITDA Growth (3Y)(%) is ranked lower than
97% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.70 vs. KFS: -41.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 27.3
Current: -41.4

0
27.3
EPS Growth (3Y)(%) -24.80
KFS's EPS Growth (3Y)(%) is ranked lower than
95% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.00 vs. KFS: -24.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KFS' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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

Q2 2014

KFS Guru Trades in Q2 2014

Jim Simons 28,300 sh (New)
» More
Q3 2014

KFS Guru Trades in Q3 2014

Jim Simons 55,000 sh (+94.35%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/B 3.30
KFS's P/B is ranked lower than
92% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. KFS: 3.30 )
Ranked among companies with meaningful P/B only.
KFS' s 10-Year P/B Range
Min: 0.18   Max: 4.11
Current: 3.3

0.18
4.11
P/S 0.60
KFS's P/S is ranked higher than
86% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. KFS: 0.60 )
Ranked among companies with meaningful P/S only.
KFS' s 10-Year P/S Range
Min: 0.12   Max: 2.63
Current: 0.6

0.12
2.63
EV-to-EBIT 34.72
KFS's EV-to-EBIT is ranked lower than
94% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. KFS: 34.72 )
Ranked among companies with meaningful EV-to-EBIT only.
KFS' s 10-Year EV-to-EBIT Range
Min: -146.2   Max: 37.5
Current: 34.72

-146.2
37.5
Days Sales Outstanding 87.89
KFS's Days Sales Outstanding is ranked lower than
53% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.26 vs. KFS: 87.89 )
Ranked among companies with meaningful Days Sales Outstanding only.
KFS' s 10-Year Days Sales Outstanding Range
Min: 60.59   Max: 172.57
Current: 87.89

60.59
172.57

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 1.30
KFS's Price/Median PS Value is ranked lower than
76% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. KFS: 1.30 )
Ranked among companies with meaningful Price/Median PS Value only.
KFS' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 5.18
Current: 1.3

0.26
5.18
Earnings Yield (Greenblatt) 2.90
KFS's Earnings Yield (Greenblatt) is ranked lower than
103% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. KFS: 2.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
KFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 2724.4
Current: 2.9

2.7
2724.4
Forward Rate of Return (Yacktman) 268.06
KFS's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.09 vs. KFS: 268.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
KFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1198   Max: 56.1
Current: 268.06

-1198
56.1

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: Ultra Clean Holdings Inc, Team Inc, Kingsway Financial Services Inc. Apr 27 2015 
Top 5 Canadian Insider Buys of Last Week Jun 20 2013 
Kingsway announces the sale of Zephyr Insurance Company, Inc. Sep 09 2009 
KFS Capital LLC announces the completion of its offer for up to 1,000,000 Units of Kingsway Linked R Aug 05 2009 
Kingsway Announces profit warning, intention to exit or sell non-core lines and reaffirms corporate Feb 09 2009 
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 Files SEC form 8-K, Submission of Matters to a Vote of Security... May 28 2015
Kingsway Announces Results of Shareholder Meeting May 28 2015
Kingsway Announces Results of Shareholder Meeting May 28 2015
KINGSWAY FINANCIAL SERVICES INC Financials May 15 2015
10-Q for Kingsway Financial Services, Inc. May 10 2015
KINGSWAY FINANCIAL SERVICES INC Files SEC form 10-Q, Quarterly Report May 07 2015
10-K for Kingsway Financial Services, Inc. May 05 2015
Kingsway Financial Services posts 1Q profit Apr 30 2015
Kingsway Financial Services posts 1Q profit Apr 30 2015
April 30, 2015 - Kingsway Announces First Quarter 2015 Results Apr 30 2015
KINGSWAY FINANCIAL SERVICES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2015
Kingsway Announces First Quarter 2015 Results Apr 30 2015
Kingsway Announces First Quarter 2015 Results Apr 30 2015
KINGSWAY FINANCIAL SERVICES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 07 2015
April 1, 2015 - Kingsway Announces Sale of Assigned Risk Solutions Ltd. to National General Holdings... Apr 01 2015
Kingsway Announces Sale of Assigned Risk Solutions Ltd. to National General Holdings Corp. Apr 01 2015
Kingsway Announces Sale of Assigned Risk Solutions Ltd. to National General Holdings Corp. Apr 01 2015
March 13, 2015 - Kingsway Announces Fourth Quarter and Year-End 2014 Results Mar 13 2015
Kingsway announces fourth quarter and year-end 2014 results Mar 13 2015
Kingsway announces fourth quarter and year-end 2014 results Mar 13 2015

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