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Upturn AI SWOT - About
KFS 
Kingsway Financial Services Inc (KFS)
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Upturn Advisory Summary
08/29/2025: KFS (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 32.93% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
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) - | 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 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -8.72% | Operating Margin (TTM) -5.19% |
Management Effectiveness
Return on Assets (TTM) -0.47% | Return on Equity (TTM) -43.17% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 468298582 | Price to Sales(TTM) 3.47 |
Enterprise Value 468298582 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 28430100 | Shares Floating 14695476 |
Shares Outstanding 28430100 | Shares Floating 14695476 | ||
Percent Insiders 27.86 | Percent Institutions 47.03 |
Upturn AI SWOT
Kingsway Financial Services Inc
Company Overview
History and Background
Kingsway Financial Services Inc. (KFS) was founded in 1989. Initially focused on non-standard auto insurance, it evolved through acquisitions and divestitures, diversifying into insurance and asset management before reorganizing and refocusing on specific sectors.
Core Business Areas
- Insurance: Primarily focuses on providing non-standard auto insurance in specific markets. Provides coverage to individuals who may have difficulty obtaining insurance from standard providers.
- Asset Management: Kingsway offers asset management and investment services.
Leadership and Structure
Details on leadership are difficult to obtain directly; research needed into current executives and organizational hierarchy; General information suggests a typical corporate structure with a board of directors and executive management team overseeing various divisions.
Top Products and Market Share
Key Offerings
- Non-Standard Auto Insurance: Kingsway's core product. Market share data is dispersed and varies by region; precise figures are difficult to obtain. Competitors include Kemper, The Progressive Corporation, and Direct General. Revenue from this product line is critical to Kingsway's overall financial health.
Market Dynamics
Industry Overview
The non-standard auto insurance market is driven by factors like economic conditions, regulatory changes, and demographic trends. The asset management sector is heavily impacted by interest rates, market volatility, and investor sentiment.
Positioning
Kingsway occupies a niche position, targeting drivers who may not qualify for standard auto insurance policies. Competitive advantages hinge on pricing strategies, risk assessment models, and geographic focus.
Total Addressable Market (TAM)
TAM for non-standard auto is estimated to be in the billions of dollars annually. Kingsway is a relatively small player with a position to capture a small market share. The exact TAM is dependent on geographic reach and specific risk factors that define the non-standard market.
Upturn SWOT Analysis
Strengths
- Niche Market Focus
- Established presence in select geographies
- Experience in non-standard risk assessment
Weaknesses
- Limited brand recognition compared to larger insurers
- Potential for higher loss ratios due to the nature of non-standard policies
- Reliance on specific geographic markets
Opportunities
- Expansion into new geographic markets with similar demographics
- Development of new insurance products tailored to niche segments
- Leveraging technology to improve risk assessment and pricing
Threats
- Increased competition from larger insurers entering the non-standard market
- Regulatory changes impacting pricing and underwriting practices
- Economic downturns leading to decreased demand for insurance
Competitors and Market Share
Key Competitors
- KMPR
- PGR
- GNL
Competitive Landscape
Kingsway faces stiff competition from larger, more established insurers. Its competitive advantage lies in its niche focus and local market expertise. However, it must continually innovate and adapt to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is dependent on past acquisitions, organic growth in existing markets, and overall industry trends.
Future Projections: Future growth projections depend on management's strategic plans, market conditions, and competitive landscape. Analyst estimates needed.
Recent Initiatives: Information regarding recent strategic initiatives requires further research into company announcements and press releases.
Summary
Kingsway Financial Services Inc. operates in a niche market with inherent risks and opportunities. Its strength lies in its specialized focus, but it faces challenges from larger competitors and regulatory pressures. Recent initiatives need further investigation to gauge their impact. Future success depends on effective risk management, strategic expansion, and innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Public financial filings
- Industry reports
- Company press releases
Disclaimers:
This analysis is based on publicly available information and limited financial data. Market share estimates are approximate. The AI-based rating is for informational purposes only and should not be considered financial advice. More data needed.
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 | Headquaters 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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