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(KFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KFS
08/17/2026: KFS (1-star) is currently NOT-A-BUY. Pass it for now.
Kingsway Financial Services Inc is a diversified holding company that has transitioned from a traditional insurance business to a strategy focused on acquiring and managing niche operating companies, particularly in the extended warranty sector. Its core strengths lie in its disciplined approach to capital allocation and its ability to identify and improve smaller, cash-flow-generative businesses. The investment story centers on potential growth through ongoing acquisitions and the expansion of its search fund investment portfolio. However, investors must consider risks such as economic sensitivity, execution challenges in integrating new units, and the lack of dividend income. The stock may best suit value-oriented investors who monitor the company's ability to maintain stable cash flows from its subsidiaries.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is episodic based on acquisitions rather than consistent, rapid product adoption. |
| Momentum investor | Weak fit | The stock lacks the consistent high-volume trading trends required for momentum strategies. |
| Value investor | Strong fit | Investors may find value in the company's collection of niche, cash-flow-generating operating assets. |
| Dividend investor | Weak fit | The company does not currently provide a regular dividend to shareholders. |
| Low-risk investor | Weak fit | High business model complexity and small-cap volatility make it unsuitable for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Small-cap holding companies often experience significant price swings based on news or sentiment. |
| Valuation risk | Medium | Valuations are highly dependent on the performance of individual, private-like subsidiaries. |
| Competition risk (Warranty Sector) | Medium / high | Larger, better-capitalized competitors can pressure pricing and margins. |
| Business quality | Medium | The quality of the portfolio is mixed and requires active management to maintain value. |
| Dividend income | Low / none | Investors should not expect income generation from this holding. |
| Execution risk | Medium / high | Success depends on the company's ability to integrate acquisitions effectively. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  0.0 | Stock Returns Performance  0.0 |
| Profits based on simulation | Last Close 08/17/2026 |
Upturn Scorecard
Upturn Star Rating 
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 398.02M USD | Price to earnings Ratio - | 1Y Target Price 1 |
Price to earnings Ratio - | 1Y Target Price 1 | ||
Volume (30-day avg) - shares | Beta 0.28 | 52 Weeks Range 7.06 - 14.38 | Updated Date 06/29/2025 |
52 Weeks Range 7.06 - 14.38 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.39 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Extended Warranty | Service contracts and administration fees for consumer goods. | This is a recurring revenue stream based on service contracts. |
| Operating Subsidiaries | Income from various small-to-medium niche businesses. | The company acts as a parent to several smaller, distinct companies. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE - | Enterprise Value 468.30M | Price to Sales(TTM) 3.47 |
Enterprise Value 468.30M | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 28.43M | Shares Floating 14.70M |
Shares Outstanding 28.43M | Shares Floating 14.70M | ||
Percent Insiders 27.86 | Percent Institutions 47.03 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kingsway Financial Services Inc
Exchange NYSE | Headquarters Chicago, IL, United States | ||
IPO Launch date 1996-10-08 | President, CEO & Director Mr. John Taylor-Maloney Fitzgerald | ||
Sector Consumer Cyclical | Industry Auto & Truck Dealerships | Full time employees 433 | Website https://kingsway-financial.com |
Full time employees 433 | Website https://kingsway-financial.com | ||
Kingsway Financial Services Inc. through its subsidiaries, engages in the extended warranty and business services in the United States. It operates through two segments: Extended Warranty and Kingsway Search Xcelerator. 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 offers its products and services through credit unions and dealers. Kingsway Financial Services Inc. was incorporated in 1989 and is headquartered in Chicago, Illinois.
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