Symbols / KFS Stock $10.62 +0.66% Kingsway Financial Services Inc.

Consumer Cyclical • Auto & Truck Dealerships • United States • NYQ
KFS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Consumer Cyclical
Industry Auto & Truck Dealerships
CEO Mr. John Taylor-Maloney Fitzgerald
Exch · Country NYQ · United States
Market Cap 304.01M
Enterprise Value 396.19M
Income -11.92M
Sales 137.34M
FCF (ttm) 4.71M
Book/sh 0.53
Cash/sh 0.29
Employees 569
Insider 10d —
IPO Jul 11, 2001
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E —
PEG 0.83
P/S 2.21
P/B 20.04
P/C —
EV/EBITDA 127.80
EV/Sales 2.88
Quick Ratio 0.81
Current Ratio 1.13
Debt/Eq 226.71
LT Debt/Eq —
EPS (ttm) -0.43
EPS next Y —
EPS Growth —
Revenue Growth 28.70%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-07
Earnings (prior) 2011-06-14
ROA -1.83%
ROE -38.90%
ROIC —
Gross Margin 81.27%
Oper. Margin -2.36%
Profit Margin -7.81%
Shs Outstand 28.63M
Shs Float 9.94M
Insider Own 27.21%
Instit Own 50.80%
Short Float 7.66%
Short Ratio 12.85
Short Interest 1.22M
52W High 16.80
vs 52W High -36.79%
52W Low 8.82
vs 52W Low 20.41%
Beta 0.27
Impl. Vol. 81.25%
Rel Volume 0.42
Avg Volume 83.11K
Volume 35.13K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $10.55
Price $10.62
Change 0.66%
About

Kingsway Financial Services Inc. through its subsidiaries, engages in the extended warranty and business services in the United States. It operates through two segments: Kingsway Search Xcelerator and Extended Warranty. The Extended Warranty segment markets, sells, and administers vehicle service agreements and related products for new and used automobiles, motorcycles, and ATVs. This segment also markets and distributes warranty products to manufacturers, distributors, and installers of heating, ventilation and air conditioning, standby generator, commercial LED lighting, and commercial refrigeration equipment; and provides equipment breakdown and maintenance support services to companies, as well as after-market vehicle protection services. Its Kingsway Search Xcelerator segment offers outsourced finance and human resources consulting services, including operational accounting, such as bookkeeping, accounting, financial reporting, and analysis and strategic finance services; technical accounting comprising initial public offerings, Securities and Exchange Commission reporting, and international consolidation services; human resources, workforce management, and compliance support services; and advisory services. This segment also provides financial executive services for project and interim staffing engagements; search services for permanent placements; healthcare staffing services to acute healthcare facilities for short-term and day-to-day needs of hospitals; software products for the management needs of all types of shared-ownership properties; and fully managed outsourced cardiac telemetry services, as well as provides mobile monitors to the hospitals. It also offers information technology managed services, as well as Electric Motor Solutions and Vertical Market Software services. The company offers its products and services through credit unions and dealers. Kingsway Financial Services Inc. was incorporated in 1989 and is headquartered in Chicago, Illinois.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$10.62
Latest analyst target
3. DCF / Fair value
$2.96
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$10.62
Low
—
High
—
Mean
—
News
RSS: Latest KFS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-30 FITZGERALD JOHN TAYLOR MALONEY Chief Executive Officer — 229 $10.93 $2,503
2026-04-30 HANSEN KENT A Chief Financial Officer — 143 $10.93 $1,563
2026-04-15 FITZGERALD JOHN TAYLOR MALONEY Chief Executive Officer — 211 $11.85 $2,500
2026-03-17 HANSEN KENT A Chief Financial Officer — 14,568 $11.02 $160,539
2026-02-02 FITZGERALD JOHN TAYLOR MALONEY Chief Executive Officer — 183 $13.69 $2,505
2026-02-02 HANSEN KENT A Chief Financial Officer — 114 $13.69 $1,561
2026-01-15 FITZGERALD JOHN TAYLOR MALONEY Chief Executive Officer — 185 $13.54 $2,505
2026-01-15 HANSEN KENT A Chief Financial Officer — 116 $13.54 $1,571
2025-12-29 HANSEN KENT A Chief Financial Officer — 7,500 $13.67 $102,508
2025-12-23 FITZGERALD JOHN TAYLOR MALONEY Chief Executive Officer — 30,000 $13.32 $399,714
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
136.72
+21.50%
112.53
+4.53%
107.66
-6.13%
114.69
Operating Revenue
136.72
+21.50%
112.53
+4.53%
107.66
-6.13%
114.69
Selling General And Administration
61.22
+36.28%
44.92
+7.46%
41.80
-3.94%
43.52
General And Administrative Expense
61.22
+36.28%
44.92
+7.46%
41.80
-3.94%
43.52
Other Gand A
61.22
+36.28%
44.92
+7.46%
41.80
-3.94%
43.52
Other Operating Expenses
-0.38
-96.35%
-0.19
-111.93%
1.61
-68.52%
5.11
Total Expenses
150.72
+24.78%
120.79
+43.79%
84.00
+5.36%
79.73
Reconciled Depreciation
9.22
+31.84%
7.00
+12.49%
6.22
-3.55%
6.45
EBIT
-8.55
-146.54%
-3.47
-111.60%
29.90
-30.54%
43.05
Total Unusual Items
-0.71
+75.21%
-2.85
-108.91%
31.96
-1.69%
32.51
Total Unusual Items Excluding Goodwill
—
-2.85
—
—
Special Income Charges
-0.71
+75.21%
-2.85
-108.91%
31.96
-1.69%
32.51
Other Special Charges
—
0.16
+100.50%
-31.96
+1.69%
-32.51
Impairment Of Capital Assets
0.71
-75.21%
2.85
0.00
—
Net Income
-10.73
-15.74%
-9.27
-139.36%
23.56
-4.70%
24.72
Pretax Income
-14.00
-69.54%
-8.26
-134.92%
23.65
-32.34%
34.96
Net Non Operating Interest Income Expense
-5.45
-13.76%
-4.79
+23.36%
-6.25
+22.76%
-8.09
Interest Expense Non Operating
5.45
+13.76%
4.79
-23.36%
6.25
-22.76%
8.09
Net Interest Income
-5.45
-13.76%
-4.79
+23.36%
-6.25
+22.76%
-8.09
Interest Expense
5.45
+13.76%
4.79
-23.36%
6.25
-22.76%
8.09
Interest Income
1.44
+6.49%
1.35
+21.52%
1.11
+55.94%
0.71
Other Income Expense
—
—
—
—
Tax Provision
-3.75
-2452.38%
-0.15
+92.26%
-1.90
-139.36%
4.83
Tax Rate For Calcs
0.00
+1405.44%
0.00
-91.53%
0.00
+52.14%
0.00
Tax Effect Of Unusual Items
-0.19
-273.20%
-0.05
-100.76%
6.71
+49.57%
4.49
Net Income Including Noncontrolling Interests
-10.25
-23.59%
-8.29
-134.55%
24.01
+59.39%
15.06
Net Income From Continuing Operation Net Minority Interest
-10.73
-18.05%
-9.09
-136.22%
25.10
-36.92%
39.79
Net Income From Continuing And Discontinued Operation
-10.73
-15.74%
-9.27
-139.36%
23.56
-4.70%
24.72
Net Income Continuous Operations
-10.25
-26.37%
-8.11
-131.75%
25.55
-15.21%
30.13
Net Income Discontinuous Operations
0.00
+100.00%
-0.18
+88.17%
-1.54
+89.79%
-15.07
Minority Interests
-0.48
+50.97%
-0.98
-115.67%
-0.45
-104.69%
9.66
Normalized Income
-10.21
-62.32%
-6.29
-4100.16%
-0.15
-101.27%
11.77
Net Income Common Stockholders
-11.92
-26.09%
-9.45
-140.24%
23.48
-3.81%
24.42
Diluted EPS
-0.43
-22.86%
-0.35
-139.33%
0.89
-9.18%
0.98
Basic EPS
-0.43
-22.86%
-0.35
-138.46%
0.91
-14.15%
1.06
Basic Average Shares
27.86
+2.46%
27.19
+5.75%
25.71
+11.99%
22.96
Diluted Average Shares
27.86
+2.46%
27.19
+2.81%
26.45
+4.52%
25.30
Diluted NI Availto Com Stockholders
-11.92
-26.09%
-9.45
-140.24%
23.48
-3.81%
24.42
Amortization
8.17
+29.58%
6.30
+6.68%
5.91
-3.65%
6.13
Depreciation And Amortization In Income Statement
8.17
+29.58%
6.30
+6.68%
5.91
-3.65%
6.13
Loss Adjustment Expense
25.73
+4.68%
24.58
+6.55%
23.07
+10.39%
20.89
Net Policyholder Benefits And Claims
25.73
+4.68%
24.58
+6.55%
23.07
+10.39%
20.89
Preferred Stock Dividends
1.19
+562.57%
0.18
+141.89%
0.07
-75.82%
0.31
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
231.50
+24.05%
186.62
-5.61%
197.72
-30.78%
285.65
Cash Cash Equivalents And Short Term Investments
15.63
-63.33%
42.62
+180.78%
15.18
-85.10%
101.92
Cash And Cash Equivalents
8.31
+51.21%
5.49
-39.62%
9.10
-85.82%
64.17
Other Short Term Investments
7.33
-80.27%
37.13
+510.42%
6.08
-83.89%
37.75
Receivables
13.94
+38.91%
10.04
-17.12%
12.11
-13.66%
14.02
Accounts Receivable
13.84
+47.85%
9.36
-7.16%
10.08
-2.14%
10.30
Other Receivables
0.10
+0.00%
0.10
-86.23%
0.73
-80.48%
3.72
Taxes Receivable
0.00
-100.00%
0.57
-55.81%
1.30
0.00
Net PPE
13.37
+237.83%
3.96
+44.63%
2.74
+62.47%
1.68
Goodwill And Other Intangible Assets
121.39
+25.70%
96.57
+12.26%
86.03
+9.45%
78.60
Goodwill
69.13
+22.30%
56.52
+12.24%
50.36
+10.68%
45.50
Other Intangible Assets
52.27
+30.50%
40.05
+12.28%
35.67
+7.77%
33.10
Investments And Advances
41.64
+0.74%
41.34
-1.28%
41.88
-26.19%
56.73
Long Term Equity Investment
4.70
+11.77%
4.21
-18.54%
5.16
-72.59%
18.83
Total Liabilities Net Minority Interest
197.09
+17.09%
168.31
-2.77%
173.11
-34.31%
263.53
Payables And Accrued Expenses
0.03
0.00
0.00
-100.00%
0.94
Current Accrued Expenses
—
—
—
55.80
Total Tax Payable
0.03
0.00
0.00
-100.00%
0.94
Income Tax Payable
0.03
0.00
0.00
-100.00%
0.94
Long Term Debt And Capital Lease Obligation
78.02
+29.55%
60.22
+32.02%
45.61
-55.85%
103.31
Long Term Debt
70.71
+22.90%
57.54
+29.54%
44.42
-56.49%
102.09
Long Term Capital Lease Obligation
7.30
+172.33%
2.68
+123.87%
1.20
-1.56%
1.22
Non Current Deferred Liabilities
90.38
+3.32%
87.48
-1.75%
89.04
+2.47%
86.89
Non Current Deferred Revenue
87.15
+4.87%
83.11
-1.06%
84.00
+1.55%
82.71
Non Current Deferred Taxes Liabilities
3.23
-26.22%
4.37
-13.29%
5.04
+20.71%
4.18
Stockholders Equity
31.42
+88.56%
16.66
-39.86%
27.71
+27.79%
21.68
Common Stock Equity
15.17
+80.30%
8.41
-69.64%
27.71
+76.82%
15.67
Capital Stock
16.55
+93.95%
8.53
0.00
-100.00%
6.01
Common Stock
0.30
+5.34%
0.28
0.00
0.00
Preferred Stock
16.25
+96.97%
8.25
0.00
-100.00%
6.01
Share Issued
29.65
+5.45%
28.12
+1.25%
27.77
+18.49%
23.44
Ordinary Shares Number
28.63
+5.49%
27.14
+0.13%
27.10
+16.87%
23.19
Treasury Shares Number
1.03
+4.36%
0.98
+46.68%
0.67
+170.83%
0.25
Additional Paid In Capital
394.85
+4.87%
376.50
-0.87%
379.81
+5.51%
359.99
Retained Earnings
-373.37
-3.30%
-361.45
-4.20%
-346.87
+6.36%
-370.43
Gains Losses Not Affecting Retained Earnings
-0.06
+91.64%
-0.72
+53.38%
-1.54
-105.79%
26.61
Treasury Stock
6.54
+5.56%
6.20
+67.75%
3.70
+651.22%
0.49
Minority Interest
2.99
+82.61%
1.64
+152.91%
-3.10
-808.92%
0.44
Other Equity Adjustments
-0.06
+91.64%
-0.72
+53.38%
-1.54
-105.79%
26.61
Total Equity Gross Minority Interest
34.41
+88.02%
18.30
-25.63%
24.61
+11.26%
22.12
Total Capitalization
102.13
+37.64%
74.20
+2.88%
72.12
-41.73%
123.78
Invested Capital
85.88
+30.22%
65.95
-8.56%
72.12
-38.75%
117.76
Total Debt
78.02
+29.55%
60.22
+32.02%
45.61
-55.85%
103.31
Net Debt
62.41
+19.91%
52.04
+47.36%
35.32
-6.87%
37.92
Capital Lease Obligations
7.30
+172.33%
2.68
+123.87%
1.20
-1.56%
1.22
Net Tangible Assets
-89.98
-12.60%
-79.91
-37.02%
-58.32
-2.47%
-56.91
Tangible Book Value
-106.23
-20.49%
-88.16
-51.17%
-58.32
+7.32%
-62.93
Investments In Other Ventures Under Equity Method
4.70
+11.77%
4.21
-18.54%
5.16
-72.59%
18.83
Preferred Stock Equity
16.25
+96.97%
8.25
—
6.01
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-0.00
-100.28%
1.07
+104.07%
-26.19
-79.68%
-14.57
Cash Flow From Continuing Operating Activities
-0.00
-100.50%
0.60
+102.25%
-26.85
-921.26%
-2.63
Cash From Discontinued Operating Activities
0.00
-100.00%
0.46
-30.32%
0.66
+105.55%
-11.95
Net Income From Continuing Operations
-10.25
-23.59%
-8.29
-134.55%
24.01
+59.39%
15.06
Depreciation And Amortization
9.22
+31.84%
7.00
+12.49%
6.22
-3.55%
6.45
Other Non Cash Items
0.48
-49.04%
0.94
+103.16%
-29.75
-238.46%
21.48
Stock Based Compensation
1.72
-3.59%
1.78
+8.91%
1.64
-59.55%
4.05
Asset Impairment Charge
0.71
-75.21%
2.85
0.00
0.00
Deferred Tax
-4.07
-658.47%
-0.54
+72.09%
-1.92
-236.84%
1.41
Deferred Income Tax
-4.07
-658.47%
-0.54
+72.09%
-1.92
-236.84%
1.41
Operating Gains Losses
-0.71
+58.88%
-1.73
+60.30%
-4.37
+88.84%
-39.13
Gain Loss On Investment Securities
-0.71
+62.34%
-1.90
+40.21%
-3.17
-18.72%
-2.67
Unrealized Gain Loss On Investment Securities
—
—
0.07
+161.54%
0.03
Change In Working Capital
—
-1.40
—
—
Change In Receivables
0.78
-38.66%
1.27
-65.39%
3.67
+2665.73%
-0.14
Changes In Account Receivables
0.78
-38.66%
1.27
+13.09%
1.12
+925.74%
-0.14
Change In Other Working Capital
3.16
+236.81%
-2.31
+92.03%
-28.96
-508.69%
7.08
Change In Other Current Assets
-1.03
-187.22%
-0.36
-138.10%
0.94
+145.72%
-2.07
Investing Cash Flow
-29.61
-75.77%
-16.85
-360.90%
6.46
-93.60%
100.94
Cash Flow From Continuing Investing Activities
-29.61
-64.67%
-17.98
-378.01%
6.47
-88.87%
58.09
Cash From Discontinued Investing Activities
0.00
-100.00%
1.14
+10427.27%
-0.01
-100.03%
42.85
Net PPE Purchase And Sale
-1.62
-128.21%
-0.71
-245.85%
-0.20
-100.77%
26.46
Purchase Of PPE
-1.62
-128.21%
-0.71
-245.85%
-0.20
—
Sale Of PPE
—
—
—
26.46
Capital Expenditure
-1.62
-128.21%
-0.71
-245.85%
-0.20
—
Net Investment Purchase And Sale
1.08
+567.28%
0.16
-97.05%
5.49
+223.55%
-4.44
Purchase Of Investment
-9.52
-22.62%
-7.76
-19.99%
-6.47
+54.49%
-14.21
Sale Of Investment
10.60
+33.75%
7.92
-33.73%
11.96
+22.38%
9.77
Net Business Purchase And Sale
-29.03
-63.94%
-17.71
-1594.26%
1.19
-95.05%
23.93
Purchase Of Business
-29.18
-45.51%
-20.05
-47.10%
-13.63
+0.41%
-13.69
Gain Loss On Sale Of Business
—
-0.12
+81.10%
-0.62
+98.37%
-37.92
Net Other Investing Changes
-0.05
-116.91%
0.27
—
—
Financing Cash Flow
32.75
+186.17%
11.44
+128.64%
-39.96
-5.35%
-37.93
Cash Flow From Continuing Financing Activities
32.75
+175.69%
11.88
+130.19%
-39.35
-606.01%
-5.57
Net Issuance Payments Of Debt
11.06
-15.09%
13.02
+129.66%
-43.91
-4309.78%
1.04
Issuance Of Debt
26.30
-24.03%
34.61
+525.57%
5.53
-56.37%
12.68
Repayment Of Debt
-15.24
+29.42%
-21.59
+56.33%
-49.44
-324.79%
-11.64
Long Term Debt Issuance
26.30
-24.03%
34.61
+525.57%
5.53
-56.37%
12.68
Long Term Debt Payments
-15.24
+29.42%
-21.59
+56.33%
-49.44
-324.79%
-11.64
Net Long Term Debt Issuance
11.06
-15.09%
13.02
+129.66%
-43.91
-4309.78%
1.04
Net Common Stock Issuance
15.26
+709.31%
-2.50
+21.85%
-3.20
0.00
Common Stock Payments
-0.34
+86.22%
-2.50
+21.85%
-3.20
0.00
Cash Dividends Paid
-1.02
-7776.92%
-0.01
0.00
—
Repurchase Of Capital Stock
-0.34
+86.22%
-2.50
+21.85%
-3.20
0.00
Proceeds From Stock Option Exercised
—
0.00
-100.00%
12.63
+2216.88%
0.55
Net Other Financing Charges
-0.54
+92.12%
-6.88
-41.27%
-4.87
+32.03%
-7.16
Changes In Cash
3.13
+163.37%
-4.95
+91.79%
-60.26
-231.36%
45.88
Beginning Cash Position
13.14
-27.47%
18.11
-76.72%
77.80
+160.22%
29.90
End Cash Position
16.27
+23.87%
13.14
-24.93%
17.50
-77.34%
77.23
Free Cash Flow
-1.62
-552.79%
0.36
+101.36%
-26.39
-81.08%
-14.57
Interest Paid Supplemental Data
5.25
+12.71%
4.66
-81.05%
24.58
+1622.56%
1.43
Income Tax Paid Supplemental Data
0.24
—
1.89
+278.04%
0.50
Amortization Of Securities
—
-0.02
-221.05%
0.02
-91.95%
0.24
Common Stock Issuance
15.60
0.00
—
—
Earnings Losses From Equity Investments
0.00
-99.38%
0.16
+128.03%
-0.58
-139.56%
1.46
Issuance Of Capital Stock
23.60
+186.08%
8.25
0.00
—
Net Investment Properties Purchase And Sale
—
—
0.00
-100.00%
12.15
Net Preferred Stock Issuance
8.00
-3.03%
8.25
0.00
—
Preferred Stock Dividend Paid
-1.02
-7776.92%
-0.01
0.00
—
Preferred Stock Issuance
8.00
-3.03%
8.25
0.00
—
Sale Of Business
0.15
-93.48%
2.35
-84.16%
14.82
-60.61%
37.61
Sale Of Investment Properties
—
—
0.00
-100.00%
12.15
Cash Flow From Discontinued Operation
0.00
+100.00%
-0.61
-7.37%
-0.57
+77.72%
-2.56
Cash From Discontinued Financing Activities
0.00
+100.00%
-0.43
+28.69%
-0.61
+98.11%
-32.36
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
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