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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 1.82
KFS's Cash to Debt is ranked higher than
70% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. KFS: 1.82 )
KFS' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 1.82

Equity to Asset 0.12
KFS's Equity to Asset is ranked higher than
54% of the 243 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. KFS: 0.12 )
KFS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.42
Current: 0.12

0.09
0.42
Interest Coverage 0.22
KFS's Interest Coverage is ranked lower than
53% of the 205 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.53 vs. KFS: 0.22 )
KFS' s 10-Year Interest Coverage Range
Min: 0.22   Max: 9999.99
Current: 0.22

0.22
9999.99
F-Score: 2
Z-Score: -0.63
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 (%) 0.70
KFS's Operating margin (%) is ranked higher than
54% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.40 vs. KFS: 0.70 )
KFS' s 10-Year Operating margin (%) Range
Min: -128.27   Max: 9.37
Current: 0.7

-128.27
9.37
Net-margin (%) -6.71
KFS's Net-margin (%) is ranked higher than
51% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. KFS: -6.71 )
KFS' s 10-Year Net-margin (%) Range
Min: -100.24   Max: 11.3
Current: -6.71

-100.24
11.3
ROE (%) -32.67
KFS's ROE (%) is ranked higher than
50% of the 243 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.38 vs. KFS: -32.67 )
KFS' s 10-Year ROE (%) Range
Min: -102.68   Max: 18.11
Current: -32.67

-102.68
18.11
ROA (%) -4.15
KFS's ROA (%) is ranked higher than
50% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.06 vs. KFS: -4.15 )
KFS' s 10-Year ROA (%) Range
Min: -13.71   Max: 6.5
Current: -4.15

-13.71
6.5
ROC (Joel Greenblatt) (%) 53.13
KFS's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 199 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 259.76 vs. KFS: 53.13 )
KFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1651.78   Max: 270.98
Current: 53.13

-1651.78
270.98
Revenue Growth (3Y)(%) -11.30
KFS's Revenue Growth (3Y)(%) is ranked higher than
53% of the 222 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. KFS: -11.30 )
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 higher than
56% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. KFS: -41.40 )
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 higher than
54% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.80 vs. KFS: -24.80 )
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

KFS Guru Trades in

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
» 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 3.90
KFS's P/B is ranked lower than
54% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.50 vs. KFS: 3.90 )
KFS' s 10-Year P/B Range
Min: 0.18   Max: 4.11
Current: 3.9

0.18
4.11
P/S 0.60
KFS's P/S is ranked higher than
97% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. KFS: 0.60 )
KFS' s 10-Year P/S Range
Min: 0.12   Max: 2.63
Current: 0.6

0.12
2.63
EV-to-EBIT 80.50
KFS's EV-to-EBIT is ranked higher than
63% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.71 vs. KFS: 80.50 )
KFS' s 10-Year EV-to-EBIT Range
Min: -66.4   Max: 83.3
Current: 80.5

-66.4
83.3
Days Sales Outstanding 109.81
KFS's Days Sales Outstanding is ranked higher than
81% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. KFS: 109.81 )
KFS' s 10-Year Days Sales Outstanding Range
Min: 60.59   Max: 172.57
Current: 109.81

60.59
172.57

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 1.20
KFS's Price/Median PS Value is ranked higher than
73% of the 291 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. KFS: 1.20 )
KFS' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 5.16
Current: 1.2

0.27
5.16
Earnings Yield (Greenblatt) 1.20
KFS's Earnings Yield (Greenblatt) is ranked lower than
60% of the 244 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. KFS: 1.20 )
KFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 2724.4
Current: 1.2

1.2
2724.4
Forward Rate of Return (Yacktman) 271.50
KFS's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.86 vs. KFS: 271.50 )
KFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1198   Max: 56.1
Current: 271.5

-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
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 

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