Kingsway Financial Services Inc. (KFS)Consumer Cyclical | Auto & Truck Dealerships | Chicago, United States | NYSE
11.97 USD
+0.25
(2.133%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 11.97 Short-term: ★★☆☆☆ | Long-term: ★☆☆☆☆ | Dividends: ☆☆☆☆☆ |
Hot Take | April 19, 2026, 12:36 a.m. EDT
KFS is a value trap defined by structural failures rather than cyclical weakness. Despite 28.7% revenue growth, the company is losing -7.8% of its sales to earnings with a negative ROE and massive debt-to-equity leverage (226x). Management is signaling confidence by participating via ESPP, but investors are heavily hedging downside risks via ITM put options. The market is avoiding this stock due to fundamental erosion; the current high short ratio (13.6x) confirms widespread skepticism about the sustainability of its current trajectory without the furros benefit of the new charge-off offset. This is a 'wait and see' situation for long-term capital, as the balance sheet is fragile and the business model is mathematically unsustainable at current leverage. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.133805 |
| AutoETS | 0.134030 |
| MSTL | 0.138395 |
| AutoTheta | 0.150351 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 42% |
| H-stat | 25.33 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.223 |
| Excess Kurtosis | -1.26 |
| Attribute | Value |
|---|---|
| Sector | Consumer Cyclical |
| Ex Dividend Date | 2009-06-10 |
| Last Dividend Date | 2009-06-10 |
| Debt to Equity Ratio | 226.712 |
| Revenue per Share | 4.929 |
| Market Cap | 342,650,176 |
| Beta | 0.30 |
| Profit Margins | -7.81% |
| Website | https://kingsway-financial.com |
As of April 19, 2026, 12:36 a.m. EDT: Options activity shows a disconnect between sentiment and positioning. While Call OI is heavily skewed toward deep Out-of-the-Money (OTM) strikes (e.g., the $22.5 strike in May, $17.5 in July), this represents a lottery-ticket bullish sentiment rather than a intermediate-term directional trade. Conversely, Put OI across multiple expirations (May, July, September) is concentrated significantly deeper in-the-money (ITM) than the call distribution, specifically at lower strikes like $10.0 and $12.5. This heavy ITM put accumulation suggests a strong hedge against downside risk rather than a bearish speculative bet. The lack of significant ITM flow on the call side (where profit potential is highest) combined with the defensive nature of the put flow indicates investors are fearing a gap-down or decline rather than actively predicting near-term weakness. Conditionally volatile pricing in the deep OTM calls suggests fear of a sudden spike, but the dominant flow is defensive.
| Date | Dividend | Yield % |
|---|---|---|
| 2009-06-11 | 0.072 | 0.520231 |
| 2009-03-12 | 0.064 | 0.986626 |
| 2008-12-11 | 0.240 | 1.437892 |
| 2008-09-11 | 0.280 | 0.902212 |
| 2008-06-12 | 0.296 | 0.959731 |
| 2008-03-13 | 0.304 | 0.679427 |
| 2007-12-12 | 0.268 | 0.460107 |
| 2007-09-12 | 0.284 | 0.411041 |
| 2007-06-13 | 0.284 | 0.404041 |
| 2007-03-13 | 0.256 | 0.383647 |
| 2006-12-13 | 0.260 | 0.338719 |
| 2006-09-13 | 0.224 | 0.280691 |
| 2006-06-13 | 0.228 | 0.340972 |
| 2006-03-13 | 0.220 | 0.291677 |
| 2005-12-13 | 0.172 | 0.235112 |
| 2005-09-13 | 0.200 | 0.306613 |
| 2005-06-13 | 0.160 | 0.259765 |
| 2005-03-11 | 0.200 | 0.343263 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.5094577 |
| Address1 | 10 S. Riverside Plaza |
| Address2 | Suite 1520 |
| All Time High | 94.96 |
| All Time Low | 1.26 |
| Ask | 19.26 |
| Ask Size | 200 |
| Audit Risk | 9 |
| Average Daily Volume10 Day | 114,480 |
| Average Daily Volume3 Month | 83,164 |
| Average Volume | 83,164 |
| Average Volume10Days | 114,480 |
| Beta | 0.297 |
| Bid | 11.95 |
| Bid Size | 200 |
| Board Risk | 4 |
| Book Value | 0.53 |
| City | Chicago |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 11.97 |
| Current Ratio | 1.128 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 12.1175 |
| Day Low | 11.915 |
| Debt To Equity | 226.712 |
| Display Name | Kingsway Financial Services |
| Earnings Call Timestamp End | 1,773,349,200 |
| Earnings Call Timestamp Start | 1,773,349,200 |
| Earnings Timestamp | 1,773,345,600 |
| Earnings Timestamp End | 1,778,184,000 |
| Earnings Timestamp Start | 1,778,184,000 |
| Ebitda | 3,100,000 |
| Ebitda Margins | 0.02257 |
| Enterprise To Ebitda | 140.409 |
| Enterprise To Revenue | 3.169 |
| Enterprise Value | 435,266,560 |
| Eps Trailing Twelve Months | -0.43 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,244,678,400 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 11.5024 |
| Fifty Day Average Change | 0.46759987 |
| Fifty Day Average Change Percent | 0.040652372 |
| Fifty Two Week Change Percent | 50.94577 |
| Fifty Two Week High | 16.8 |
| Fifty Two Week High Change | -4.829999 |
| Fifty Two Week High Change Percent | -0.28749996 |
| Fifty Two Week Low | 7.77 |
| Fifty Two Week Low Change | 4.2000003 |
| Fifty Two Week Low Change Percent | 0.5405406 |
| Fifty Two Week Range | 7.77 - 16.8 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 994,858,200,000 |
| Five Year Avg Dividend Yield | 2.86 |
| Float Shares | 12,000,708 |
| Free Cashflow | 4,707,250 |
| Full Exchange Name | NYSE |
| Full Time Employees | 569 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.81267 |
| Gross Profits | 111,611,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.27208 |
| Held Percent Institutions | 0.5128 |
| Implied Shares Outstanding | 28,625,745 |
| Industry | Auto & Truck Dealerships |
| Industry Disp | Auto & Truck Dealerships |
| Industry Key | auto-truck-dealerships |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,244,678,400 |
| Last Dividend Value | 0.072 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,341,446,400 |
| Last Split Factor | 1:4 |
| Long Business Summary | 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. |
| Long Name | Kingsway Financial Services Inc. |
| Market | us_market |
| Market Cap | 342,650,176 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_879946 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | -11,917,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 342,650,167 |
| Open | 11.9 |
| Operating Cashflow | -3,000 |
| Operating Margins | -0.02359 |
| Overall Risk | 5 |
| Payout Ratio | 0.0 |
| Peg Ratio | 0.83 |
| Phone | 312 766 2138 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 11.97 |
| Post Market Time | 1,776,464,641 |
| Previous Close | 11.72 |
| Price Hint | 2 |
| Price To Book | 22.584908 |
| Price To Sales Trailing12 Months | 2.4949408 |
| Profit Margins | -0.07814 |
| Quick Ratio | 0.806 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.25 |
| Regular Market Change Percent | 2.13311 |
| Regular Market Day High | 12.1175 |
| Regular Market Day Low | 11.915 |
| Regular Market Day Range | 11.915 - 12.1175 |
| Regular Market Open | 11.9 |
| Regular Market Previous Close | 11.72 |
| Regular Market Price | 11.97 |
| Regular Market Time | 1,776,456,002 |
| Regular Market Volume | 96,649 |
| Return On Assets | -0.01831 |
| Return On Equity | -0.38897 |
| Revenue Growth | 0.287 |
| Revenue Per Share | 4.929 |
| Sand P52 Week Change | 0.38150132 |
| Sector | Consumer Cyclical |
| Sector Disp | Consumer Cyclical |
| Sector Key | consumer-cyclical |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 28,625,745 |
| Shares Percent Shares Out | 0.0438 |
| Shares Short | 1,254,670 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 1,146,093 |
| Short Name | Kingsway Financial Services, In |
| Short Percent Of Float | 0.078600004 |
| Short Ratio | 13.58 |
| Source Interval | 15 |
| State | IL |
| Symbol | KFS |
| Total Cash | 8,484,000 |
| Total Cash Per Share | 0.293 |
| Total Debt | 78,016,000 |
| Total Revenue | 137,338,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -0.43 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 13.27365 |
| Two Hundred Day Average Change | -1.3036499 |
| Two Hundred Day Average Change Percent | -0.09821337 |
| Type Disp | Equity |
| Volume | 96,649 |
| Website | https://kingsway-financial.com |
| Zip | 60,606 |