Kingsway Financial Services Inc (KFS)vsCarMax Inc (KMX)
KFS
Kingsway Financial Services Inc
$10.17
+2.21%
CONSUMER CYCLICAL · Cap: $297.29M
KMX
CarMax Inc
$41.88
-0.52%
CONSUMER CYCLICAL · Cap: $6.18B
Smart Verdict
WallStSmart Research — data-driven comparison
CarMax Inc generates 20167% more annual revenue ($27.83B vs $137.34M). KMX leads profitability with a 1.6% profit margin vs -7.8%. KMX appears more attractively valued with a PEG of 0.66. KMX earns a higher WallStSmart Score of 54/100 (C-).
KFS
Hold38
out of 100
Grade: F
KMX
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for KFS.
Margin of Safety
-120.8%
Fair Value
$20.74
Current Price
$41.88
$21.14 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Revenue surging 28.7% year-over-year
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Generating 1.1B in free cash flow
Areas to Watch
Trading at 19.2x book value
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
Distress zone — elevated risk
ROE of 7.5% — below average capital efficiency
1.6% margin — thin
Operating margin of 1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : KFS
The strongest argument for KFS centers on PEG Ratio, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum. PEG of 0.83 suggests the stock is reasonably priced for its growth.
Bull Case : KMX
The strongest argument for KMX centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.66 suggests the stock is reasonably priced for its growth.
Bear Case : KFS
The primary concerns for KFS are Price/Book, EPS Growth, Market Cap. Debt-to-equity of 2.37 is elevated, increasing financial risk.
Bear Case : KMX
The primary concerns for KMX are Altman Z-Score, Return on Equity, Profit Margin. Debt-to-equity of 2.75 is elevated, increasing financial risk. Thin 1.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
KFS profiles as a growth stock while KMX is a value play — different risk/reward profiles.
KMX carries more volatility with a beta of 1.33 — expect wider price swings.
KFS is growing revenue faster at 28.7% — sustainability is the question.
KMX generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
KMX scores higher overall (54/100 vs 38/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Kingsway Financial Services Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
Kingsway Financial Services Inc., is involved in the leased and extended warranty real estate business. The company is headquartered in Itasca, Illinois.
Visit Website →CarMax Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
CarMax is a used vehicle retailer based in the United States. It operates two business segments: CarMax Sales Operations and CarMax Auto Finance.
Visit Website →Compare with Other AUTO & TRUCK DEALERSHIPS Stocks
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