NYSE$KFS

Kingsway Financial Services · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

Announced its operating results, which included highlights such as increased Extended Warranty operating income and improved net cash provided by operating activities.

Kingsway Financial Services Inc. reported a GAAP net loss of ($2.5) million and a non-GAAP adjusted income of $1.0 million for the three months ended December 31, 2020. The company also closed the acquisition of PWI Holdings, Inc. on December 1, 2020, further strengthening its position in the vehicle service contract and extended warranty industry.

  • Extended Warranty operating income increased 35% for the twelve months ended December 31, 2020.
  • Non-GAAP adjusted EBITDA increased 27% for the twelve months ended December 31, 2020.
  • Net cash provided by operating activities improved to $1.7 million for the twelve months ended December 31, 2020.
  • Non-GAAP adjusted income was $1.0 million for the three months ended December 31, 2020.

Headline financials

Total Revenue

$17.4M

Previous: $15.1M+15.5%
EPS (adj)

$0.05

Previous: -$0.13+138.5%
Capital Expenditures

$67K

No prior period
Free Cash Flow

$1.2M

No prior period
Net Income

-$2.5M

Previous: -$6.91M+63.8%
Operating Income

-$4.83M

Previous: -$132K-3559.8%
Gross Profit

$17.4M

Previous: $15.1M+15.5%
Cash & Equivalents

$14.4M

Previous: $13.5M+6.6%
Total Assets

$452M

Previous: $400M+13.2%
Stock-Based Comp

$1.15M

Previous: $699K+64.4%

Revenue & EPS history

Kingsway Financial · Revenue · Quarterly

$17.4M

Q4 2020+15.5%vs Q4 2019

Revenue by segment

Kingsway Financial · $61M total across 2 segments · Q4 2020

  • Extended Warranty
    $47.6M+3.2%
  • Leased Real Estate
    $13.4M

Forward guidance

The company continues to monitor the expected trends and related demand for its services and has and will continue to adjust its operations accordingly.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2020

Historical avgQ4 2020

-0.2%

Avg return

Earnings day

+0.2%

Avg return

5 days after

-0.7%

Avg return

30 days after

56%

32 / 57 earnings

Positive

+16.3%

Q2 2022

Best reaction

-11.0%

Q1 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.7%+6.3%-5.7%
Q3 2025+0.1%-11.8%-13.3%
Q1 2025-1.2%+3.8%+48.1%
Q3 2024-0.2%-4.2%-9.0%
Q1 2024-11.0%-12.1%-12.8%
Q4 2023+0.8%-4.9%-9.5%
Q3 2023+2.6%-4.9%+1.9%
Q2 2023-2.6%-0.7%+5.0%
Q1 2023-5.1%-3.9%+0.8%
Q4 2022+0.9%-11.2%-13.0%
Q3 2022+0.0%+1.6%+1.4%
Q2 2022+16.3%+19.6%+8.7%
Q1 2022-2.1%-3.6%-3.6%
Q4 2021+9.8%+7.8%+8.0%
Q3 2021-0.2%-1.1%-9.2%
Q2 2021+0.2%-1.4%+0.9%
Q1 2021-2.2%-2.2%-1.0%
Q4 2020+0.7%+4.5%+1.1%
Q3 2020-0.0%-0.3%+33.8%
Q2 2020-2.1%-2.1%+1.7%
Q1 2020+7.6%+10.5%+17.6%
Q4 2019+4.5%+9.0%+26.7%
Q3 2019+0.5%+3.6%-9.8%
Q2 2019+0.5%+3.6%-9.8%
Q1 2019+0.5%+0.5%-9.8%
Q4 2018-4.0%-1.3%+12.6%
Q3 2018+4.2%+5.0%-9.6%
Q2 2018+1.6%+3.3%-21.3%
Q1 2018+7.5%+12.3%-16.5%
Q4 2017-10.5%-13.5%-33.3%
Q3 2017+0.4%+0.5%-0.5%
Q2 2017-0.8%-2.5%-10.7%
Q1 2017-6.1%+0.0%+9.6%
Q4 2016-1.7%-5.0%-4.2%
Q3 2016-0.9%-1.0%-4.9%
Q2 2016+3.6%+4.0%+5.3%
Q1 2016-2.8%
Q4 2015+0.9%
Q3 2015-0.7%
Q2 2015+4.4%
Q1 2015+1.2%
Q4 2014+0.9%
Q3 2014+1.4%
Q2 2014+0.4%
Q4 2013+4.6%
Q4 2012+4.6%
Q3 2013+0.3%
Q2 2013-7.8%
Q1 2013-4.8%
Q3 2012-8.9%
Q3 2011-8.9%
Q2 2012+0.2%
Q2 2011+0.2%
Q4 2011+4.1%
Q1 2012+4.1%
Q4 2010
Q3 2010-10.2%
Q2 2010-4.5%

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