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KFS$10.73+0.10%
Fair $10.73+0.0%

KFS

Kingsway Financial Services Inc

Consumer Cyclical / Auto & Truck DealershipsNYSE

$10.73

+0.01 (+0.10%)

Fairly Valued+0.0%Fair Value $10.73Fund rank 19/100 · Data gapFallback financials|
SA 11/F
F-Score: 3/9
High DebtLow Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 34% · confianza 19%

FCF escenarios

weak_data · normalized FCF $-1.6M · quality 24.3/100

Data gap 19/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 12/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

11/100

F

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 15Warnings: 2unknown: 15
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Debt-to-Equity ratio is 2.48, above the 2.0 threshold ROE is -34.2%, below the 5% threshold
Thesis & Journal · KFSLocal privado en este navegador · Kingsway Financial Services Inc
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$307M

P/E

N/A

•

EV/EBITDA

550.3x

↑

ROE

-34.2%

↓

Gross Margin

N/A

•

Debt/Equity

2.48

↑
52-Week Range$11
$10$17

TradingView lightweight chart

KFS price, volumen y niveles de valoración

Último $10.00Periodo -53.4%
Fair value: $10.73

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2011–2025 · 14 años de histórico normalizado

Revenue CAGR

-3.6%

FCF CAGR

—

FCF margin

-1.2%

FCF / Net income

0.15x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $136.7M · net income $-10.7M · FCF $-1.6M

2011-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-7.8%+1.0% pts

FCF margin

-1.2%— pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
Income Statement
Revenue$136.7M$136.7M$112.5M$107.7M$114.7M$78.4M$47.6M$59.9M$52.1M$44.6M$176.6M$160.0M$158.2M$172.3M$159.6M$228.5M
Net Income$-10.7M$-10.7M$-9.3M$23.6M$24.7M$1.9M$-7.8M$-6.9M$-30.7M$-16.9M$522000.00$1.3M$-12.8M$-36.9M$-52.1M$-20.1M
EBITDA$670000.00$670000.00$3.5M$36.1M$49.5M$4.6M$1.5M$5.5M$4.4M$12.2M$-4.3M$70000.00$3.3M$-9.7M$-21.6M—
EPS-0.43-0.43-0.350.890.98-0.04-0.35-0.32-1.41-0.790.010.04-0.75-2.61-4.05-2.09
Operating Margin—————-0.6%-11.0%-2.4%-4.4%15.2%-4.0%-1.1%0.9%-7.8%-15.4%—
Net Margin-7.8%-7.8%-8.2%21.9%21.6%2.4%-16.4%-11.5%-59.0%-38.0%0.3%0.8%-8.1%-21.4%-32.6%-8.8%
Balance Sheet
Debt/Equity2.482.483.611.654.76-16.44-134.28295.8020.325.904.170.951.451.630.940.07
Current Ratio0.920.92——————————————
Cash Flow
Free Cash Flow$-1.6M$-1.6M$358000.00$-26.4M$-14.6M$-6.7M$1.5M———$-16.2M$-33.0M$-11.7M$-42.9M——
Returns
ROE-34.2%-34.2%-55.6%85.0%114.0%-32.5%389.9%-790.0%-246.5%-41.0%0.9%3.0%-34.2%-103.9%-80.0%-16.3%
Valuation
P/E———9.198.10———————————
EV/EBITDA550.25550.2578.587.004.85———————————
P/B9.529.5213.357.819.27———————————
Growth & Yield
Revenue Growth21.5%21.5%4.5%-6.1%—64.7%-20.6%15.1%16.8%-74.8%10.4%1.1%-8.2%7.9%-30.2%—
EPS Growth-22.9%-22.9%-139.3%-9.2%—88.6%-9.4%77.3%-78.5%-8000.0%-75.0%105.3%71.3%35.6%-93.8%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -22.2%

Total return

-22.2%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.35 → -0.43

Residual

-22.2%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-22.2%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.