NYSE · Auto - Dealerships

Kingsway Financial (KFS) Stock

$10.44 -2.70% NYSE: KFS Consumer Cyclical

Kingsway Financial Services Inc., operating through its subsidiaries, engages in a variety of ventures encompassing extended warranty services, real estate, and specialized consulting. The company's operations are organized into three principal divisions: Extended Warranty, Leased Real Estate, and Kingsway Search Xcelerator.

Valuation

MetricValue
Price$10.44
Market Cap$302.20M
P/E Ratio-24.28
P/B Ratio9.75
P/S Ratio2.15
EPS (TTM)$-0.43
52-Week High$16.80
52-Week Low$9.84
Dividend Yield0.27%

Financials & Margins

MetricValue
ROE-35.48%
ROA-4.76%
ROCE-41.18%
Gross Margin-10.22%
Operating Margin-10.22%
Net Margin-6.77%
Debt/Equity2.66
Current Ratio790.93

Annual Financials (USD)

Metric20212022202320242025
Revenue$81.0M$115.0M$108.0M$113.0M$137.0M
Operating Profit$-7.0M$35.0M$24.0M$-8.0M$-14.0M
Net Profit$0$25.0M$24.0M$-9.0M$-11.0M
EPS$-0.04$1.05$0.89$-0.34$-0.43
Op Margin-8.1%30.5%22.0%-7.3%-10.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$476.0M$286.0M$198.0M$187.0M$231.0M
Total Liabilities$461.0M$264.0M$173.0M$168.0M$197.0M
Cash$10.0M$64.0M$9.0M$5.0M$16.0M
Borrowings$97.0M$103.0M$46.0M$60.0M$78.0M

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$-6.0M$-15.0M$-26.0M$1.0M$0
Investing Cash Flow$-9.0M$127.0M$6.0M$-18.0M$-31.0M
Financing Cash Flow$6.0M$-39.0M$4.0M$-10.0M$-1.0M
Net Cash Flow$-18.0M$47.0M$-60.0M$-4.0M$3.0M
Free Cash Flow$-7.0M$12.0M$-26.0M$0$-2.0M

Valuation & Return Ratios

MetricValue
PEG Ratio
EV / EBITDA651.48
FCF Yield-0.66%
Quick Ratio790.93
Interest Coverage-2.80
Return 1Y
Return 3Y
Return 5Y

Ownership

Insiders Held27.21%
Institutions Held51.52%
Institutions Float Held70.78%
Institutional HolderSharesReport Date
Stilwell Value LLC3,363,4502026-03-31
Greenhaven Road Investment Management, L.p.1,851,7762026-03-31
Capricorn Fund Managers Ltd1,784,8932026-03-31
Blackrock Inc.1,140,5882026-03-31
Vanguard Capital Management LLC734,3592026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AIIORobo.ai Inc. $2.80 +7.09% -0.27 $55.21M 0.00%
ARKO $8.01 -0.31% 48.67 $898.05M 1.60%
BWMX $17.26 +2.98% 0.60 $642.83M 7.33%
HYLN $3.77 +5.90% -12.03 $672.29M 0.00%
INVZ $0.63 +2.99% -2.18 $139.48M 0.00%

About Kingsway Financial

Kingsway Financial Services Inc., operating through its subsidiaries, engages in a variety of ventures encompassing extended warranty services, real estate, and specialized consulting. The company's operations are organized into three principal divisions: Extended Warranty, Leased Real Estate, and Kingsway Search Xcelerator. The Extended Warranty segment focuses on the marketing, sale, and administration of vehicle service agreements and associated products for new and used cars, motorcycles, and ATVs. This segment also offers new home warranty products and provides uninsured warranty administration services to both homebuilders and homeowners. Furthermore, it distributes warranty solutions to manufacturers, distributors, and installers of heating, ventilation, and air conditioning systems, standby generators, commercial LED lighting, and commercial refrigeration equipment, in addition to supplying equipment breakdown and maintenance support to various companies. The Leased Real Estate segment possesses a significant real property asset, which is a parcel of approximately 192 acres located in Texas. Kingsway Search Xcelerator delivers outsourced financial and human resources consulting services. These services include operational accounting, covering bookkeeping, general accounting, financial reporting, and analysis; strategic finance services; technical accounting, which encompasses initial public offerings, SEC reporting, and international consolidation; human resources, workforce management, and compliance support; and broader advisory services. The company distributes its offerings through a wide array of channels, including credit unions, dealers, homebuilders, and directly to consumers. Kingsway Financial Services Inc. was founded in 1989 and is headquartered in Itasca, Illinois.

Kingsway Financial is led by CEO John Taylor-Maloney Fitzgerald, employs 433 people, headquartered in US, publicly traded since 2001.

Kingsway Financial (KFS) stock trades at $10.44 with a market capitalization of $302.20M. The stock is valued at a price-to-earnings (P/E) ratio of -24.28, price-to-book of 9.75, price-to-sales of 2.15. Over the past 52 weeks the stock has ranged between $9.84 and $16.80, and currently trades 37.8% below its 52-week high. It pays a dividend yielding 0.27%.

On profitability, Kingsway Financial generates a return on equity (ROE) of -35.48%, return on capital employed of -41.18%, an operating margin of -10.22%, a net profit margin of -6.77%.

Official website: www.kingsway-financial.com

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