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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 2.30
KFS's Cash to Debt is ranked higher than
74% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.30 vs. KFS: 2.30 )
KFS' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 2.3

Equity to Asset 0.11
KFS's Equity to Asset is ranked higher than
52% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. KFS: 0.11 )
KFS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.42
Current: 0.11

0.09
0.42
F-Score: 2
Z-Score: -1.09
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 (%) -20.05
KFS's Operating margin (%) is ranked lower than
52% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. KFS: -20.05 )
KFS' s 10-Year Operating margin (%) Range
Min: -128.27   Max: 9.37
Current: -20.05

-128.27
9.37
Net-margin (%) -21.40
KFS's Net-margin (%) is ranked lower than
52% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 vs. KFS: -21.40 )
KFS' s 10-Year Net-margin (%) Range
Min: -100.24   Max: 11.3
Current: -21.4

-100.24
11.3
ROE (%) -103.91
KFS's ROE (%) is ranked lower than
53% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. KFS: -103.91 )
KFS' s 10-Year ROE (%) Range
Min: -171.42   Max: 16.78
Current: -103.91

-171.42
16.78
ROA (%) -11.35
KFS's ROA (%) is ranked lower than
53% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.65 vs. KFS: -11.35 )
KFS' s 10-Year ROA (%) Range
Min: -31.75   Max: 4.51
Current: -11.35

-31.75
4.51
ROC (Joel Greenblatt) (%) -2078.76
KFS's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 160.00 vs. KFS: -2078.76 )
KFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -2078.76   Max: 251.74
Current: -2078.76

-2078.76
251.74
Revenue Growth (%) -1.20
KFS's Revenue Growth (%) is ranked higher than
54% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. KFS: -1.20 )
KFS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 43
Current: -1.2

0
43
EBITDA Growth (%) -43.70
KFS's EBITDA Growth (%) is ranked lower than
51% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. KFS: -43.70 )
KFS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 33
Current: -43.7

0
33
EPS Growth (%) -39.90
KFS's EPS Growth (%) is ranked higher than
51% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. KFS: -39.90 )
KFS' s 10-Year EPS Growth (%) Range
Min: 0   Max: 86
Current: -39.9

0
86
» KFS's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 2.43
KFS's P/B is ranked lower than
55% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. KFS: 2.43 )
KFS' s 10-Year P/B Range
Min: 0.21   Max: 2.43
Current: 2.43

0.21
2.43
P/S 0.43
KFS's P/S is ranked higher than
92% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. KFS: 0.43 )
KFS' s 10-Year P/S Range
Min: 0.11   Max: 2.53
Current: 0.43

0.11
2.53

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 23.40
KFS's Earnings Yield (Greenblatt) is ranked higher than
97% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. KFS: 23.40 )
KFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 5.5
Current: 23.4

3.7
5.5
Forward Rate of Return (Yacktman) 226.37
KFS's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.66 vs. KFS: 226.37 )
KFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 29.8   Max: 36.2
Current: 226.37

29.8
36.2

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 under the Business Corporations Act (Ontario) on September 19, 1989. The Company is a holding company and through its subsidiaries, is involved in the property and casualty insurance business and conducts its business through two reportable segments namely Insurance Underwriting and Insurance Services. Insurance Underwriting and Insurance Services conduct their business and distribute their products in the United States and Puerto Rico. Insurance Underwriting mainly 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. Insurance Underwriting's products and services are marketed through approximately 5,500 independent agencies. Insurance Services segment include insurance services provided by the Company's subsidiaries, Assigned Risk Solutions Ltd (ARS), Northeast Alliance Insurance Agency, LLC ('NEA') and IWS Acquisition Corporation ('IWS'). ARS markets the same type of insurance products as Insurance Underwriting; however, ARS does not retain the risk of operating profit or loss related to the ultimate loss and loss adjustment expenses incurred on the underlying policies. IWS markets and administers vehicle service agreements and related products for new and used automobiles throughout the United States and Puerto Rico. A vehicle service agreement is an agreement between IWS and the vehicle purchaser under which IWS agrees to replace or repair, for a specific term, designated vehicle parts in the event of a mechanical breakdown. IWS serves as the administrator on all contracts it originates. 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 is subject to state laws and regulations that require diversification of its investment portfolios and that limit the amount of investments in certain categories.

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