KINGSWAY FINANCIAL SERVICES INC (KFS) Financial Ratio Screen

NYSE Consumer Cyclical United States USD 284M
RATIOS FAIL*
Automated financial screen · activity assessed separately
KINGSWAY FINANCIAL SERVICES INC (KFS) is potentially non-compliant in the automated ratio model. The company's debt ratio of 33.7% exceeds the 30% MSCI new-inclusion threshold relative to total assets. KINGSWAY FINANCIAL SERVICES INC operates in the Consumer Cyclical sector.

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MSCI new-inclusion financial-ratio snapshot

KFS financial screening at a glance

RATIOS FAIL*Financial ratios shown separately from business review — not a fatwa
Debt ratio
33.7%
Fail vs 30%
Cash ratio
6.8%
Pass vs 30%
Receivables + cash
12.8%
Pass vs 30%
Impermissible income
1.1%
Pass vs 5%

Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleFinancial criteria not metAt least one available ratio exceeds its threshold
FTSE/Yasaar-styleFinancial criteria not metAt least one available ratio exceeds its threshold
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityAssessment pendingFinancial results do not determine business permissibility
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-08-31S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Activity assessment in progress

The supplied classification (Auto & Truck Dealerships) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: 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.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI 33.7%
/ 30%
6.8%
/ 30%
12.8%
/ 30%
1.06%
/ 5%
RATIOS FAIL*
FTSE 33.7%
/ 33%
6.8%
/ 33%
12.8%
/ 50%
1.06%
/ 5%
RATIOS FAIL*

Financial Highlights

EPS
$-0.43
P/B Ratio
18.7
EV/EBITDA
121.2
EV: $376M
Revenue
$137M
Growth: 28.7%
Beta
0.2
Low volatility
Current Ratio
1.1

Profitability

Gross Margin 81.3%
Operating Margin -2.4%
Net Margin -7.8%
Return on Equity (ROE) -38.9%
Return on Assets (ROA) -1.8%

Cash Flow & Balance Sheet

Operating Cash Flow-$3,000
Free Cash Flow-$2M
Total Debt$78M
Debt-to-Equity226.7
Current Ratio1.1
Total Assets$231M

Price & Trading

Last Close$10.19
50-Day MA$12.09
200-Day MA$13.45
Avg Volume84K
Beta0.2
52-Week Range
$7.28
$16.80

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About KINGSWAY FINANCIAL SERVICES INC (KFS)

CEO
Mr. John Taylor-Maloney Fitzgerald
Employees
569
Sector
Consumer Cyclical
Industry
Auto & Truck Dealerships
Country
United States
Exchange
NYSE
Market Cap (listing currency)
USD 284M
Currency
USD

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.

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Frequently Asked Questions

Is KINGSWAY FINANCIAL SERVICES INC (KFS) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is KINGSWAY FINANCIAL SERVICES INC's debt ratio?

KINGSWAY FINANCIAL SERVICES INC's debt ratio is 33.7% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are KINGSWAY FINANCIAL SERVICES INC's key financial metrics?

KINGSWAY FINANCIAL SERVICES INC has a market capitalization of USD 284M in its listing currency, and revenue of $137M. The company maintains a gross margin of 81.3% and a net margin of -7.8%. Return on equity stands at -38.9%.

How often is the screening data updated?

Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.