0001437749-21-018634.txt : 20210805 0001437749-21-018634.hdr.sgml : 20210805 20210805085609 ACCESSION NUMBER: 0001437749-21-018634 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210805 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210805 DATE AS OF CHANGE: 20210805 FILER: COMPANY DATA: COMPANY CONFORMED NAME: KINGSWAY FINANCIAL SERVICES INC CENTRAL INDEX KEY: 0001072627 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 999999999 STATE OF INCORPORATION: A6 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15204 FILM NUMBER: 211146556 BUSINESS ADDRESS: STREET 1: 45 ST. CLAIR WEST STREET 2: SUITE 400 CITY: TORONTO STATE: A6 ZIP: M4V 1K9 BUSINESS PHONE: 9056778889 MAIL ADDRESS: STREET 1: 150 PIERCE RD STREET 2: SUITE 600 CITY: ITASCA STATE: IL ZIP: 60143 8-K 1 kfs20210802_8k.htm FORM 8-K kfs20210802_8k.htm
false 0001072627 0001072627 2021-08-05 2021-08-05
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of report (Date of earliest event reported): August 5, 2021
 
KINGSWAY FINANCIAL SERVICES INC.
(Exact Name of Registrant as Specified in Its Charter)
 
Delaware
(State or Other Jurisdiction of Incorporation)
001-15204
(Commission File Number)
85-1792291
(IRS Employer Identification No.)
 
150 Pierce Rd., Itasca, IL 60143
(Address of Principal Executive Offices) (Zip Code)
 
Registrant’s Telephone Number, Including Area Code: (847) 871-6408
 
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, par value $0.01 per share
KFS
New York Stock Exchange
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). 
 
Emerging growth company    
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐
 
 

 
ITEM 2.02    Results of Operations and Financial Condition.
 
On August 5, 2021, Kingsway Financial Services Inc. (the “Company”) issued a press release regarding its financial results for the three month period ended June 30, 2021. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
 
The information in this Current Report on Form 8-K provided under this Item 2.02 and Exhibit 99.1 attached hereto is being furnished to, and shall not be deemed “filed” with, the U.S. Securities and Exchange Commission or incorporated by reference into the Company’s filings under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended.
 
 
ITEM 9.01    Financial Statements and Exhibits.
 
(d)    Exhibits.
 
Exhibit No.    Exhibit Description    
 
99.1    Press Release titled “Kingsway Reports Second Quarter 2021 Results”    
 
 

 
SIGNATURE
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
KINGSWAY FINANCIAL SERVICES INC.
August 5, 2021
By:
/s/ Kent A. Hansen
Kent A. Hansen, Chief Financial Officer
 
EX-99.1 2 ex_270721.htm EXHIBIT 99.1 ex_270721.htm

Exhibit 99.1

 

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KINGSWAY REPORTS SECOND QUARTER 2021 RESULTS

 

Itasca, Illinois (August 5, 2021) - (NYSE: KFS) Kingsway Financial Services Inc. (“Kingsway” or the “Company”) today announced its operating results for the three and six months ended June 30, 2021, which includes the following highlights:

 

 

Net loss improved to ($0.3) million for the three months ended June 30, 2021, from a net loss of ($1.4) million for the same period in 2020

 

Non-GAAP adjusted income grew to $1 million for the three months ended June 30, 2021, compared to a non-GAAP adjusted loss of ($0.5) million for the same period in 2020

 

Extended Warranty segment operating income increased to $2.6 million for the three months ended June 30, 2021 compared to $1.3 million for the same period in 2020,

 

Extended Warranty segment non-GAAP adjusted EBITDA improved to $2.7 million for the three months ended June 30, 2021, from $1.4 million for the same period in 2020

 

Refer to “Second Quarter Cash Flows” below for an explanation regarding a one-time, $11.7 million current quarter cash outflow to operating cash flows. Refer to “Leased Real Estate” below for further explanation regarding a $2.9 million non-cash, non-recurring increase in other (expense) income and tax benefit.

 

Non-GAAP Adjusted Income Loss

 

For the three months ended June 30, 2021, non-GAAP adjusted income (loss) improved to income of $1 million in 2021, from a loss of ($0.5) million in 2020. Included in 2021 are three months of PWI results following its acquisition effective December 1, 2020.

 

Reconciliations of net (loss) income to non-GAAP adjusted income (loss) are presented in the attached schedules.

 

Second Quarter Cash Flows

 

The Company reported year-to-date net cash used in operating activities of ($11.5) million, compared to net cash used in operating activities of ($1) million for the prior period. A majority of the increase in net cash used in operating activities is related to the monetization of future rental proceeds from the Company’s Leased Real Estate segment.

 

During the second quarter of 2021, the Company borrowed $15.0 million, at an interest rate of 3.2%, against future rental proceeds that were not being used to service the existing mortgage. As a result of this borrowing, the Company paid $11.7 million in management and guarantee fees as per the settlement of CMC litigation, of which $10.6 million is shown as an operating cash outflow in the statement of cash flows. Had the Company not executed the borrowing, this amount would not have been due or paid. See Note 27, “Commitments and Contingent Liabilities”, to our 2020 Annual Report on Form 10-K, for further information on the settlement.

 

As a result of this monetization, the Company retained $2.7 million, which it believes it can deploy and earn a return in excess of the stated interest rate on the borrowed funds.

 

 

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Extended Warranty

 

The Extended Warranty service fee and commission revenue increased 80.8% (or $8.4 million) to $18.8 million for the three months ended June 30, 2021 compared with $10.4 million for the three months ended June 30, 2020. The increase is primarily due to the inclusion of PWI for the three months ended June 30, 2021 following its acquisition effective December 1, 2020. PWI service fee and commission revenue was $7.4 million for the three ended June 30, 2021.

 

The Extended Warranty operating income improved to $2.6 million for the three months ended June 30, 2021 compared with $1.3 million for the three months ended June 30, 2020. The increase in operating income is primarily due to the following:

 

 

$0.8 million due to the inclusion of PWI in 2021 following its acquisition effective December 1, 2020;

 

A $0.2 million increase at IWS to $0.6 million for the three months ended June 30, 2021, due to a decrease in claims authorized on vehicle service agreements and lower general and administrative expenses that was partially offset by a slight decrease in revenue;

 

A $0.2 million increase at Trinity to $0.3 million for the three months ended June 30, 2021, driven by increased revenues in its equipment breakdown and maintenance support services, as well as an increase in revenue and gross profit on the extended warranty services product, partially offset by a related increase in cost of services sold compared to the same period in 2020;

 

A $0.3 million increase at PWSC to $0.5 million for the three months ended June 30, 2021, due to an increase in revenue and lower general and administrative expenses; and

 

A $0.2 million decrease at Geminus to $0.4 million for the three months ended June 30, 2021 due to a decrease in revenue that was partially offset by lower general and administrative expenses compared with the three months ended June 30, 2020.

 

Extended Warranty Non-GAAP adjusted EBITDA improved to $2.7 million for the three months ended June 30, 2021, compared with $1.5 million for the same period in 2020, primarily due to the increase in Extended Warranty operating income as explained above.

 

Reconciliations of Extended Warranty operating income to Extended Warranty non-GAAP adjusted EBITDA are presented in the attached schedules.

 

Leased Real Estate

 

The Leased Real Estate contractually-fixed rental income was $3.3 million for the three months ended June 30, 2021 and 2020.

 

Leased Real Estate operating loss was ($2.3) million for the three months ended June 30, 2021 compared with operating income of $0.8 million for the three months ended June 30, 2020. The operating loss is primarily the result of a non-recurring $2.9 million non-cash expense recorded during the second quarter of 2021 to reverse an indemnification receivable that is recorded in other (expense) income in the consolidated statements of operations. This expense is offset by a tax benefit of $2.9 million that is recorded in the consolidated statements of operations. The decrease is also attributable to management fee expense of $0.2 million as a result of the settlement of CMC litigation.

 

As a result of the monetization explained above, future management fees have been prepaid and will be a non-cash expense going forward. See Note 27, “Commitments and Contingent Liabilities”, to our 2020 Annual Report on Form 10-K, for further information on the settlement.

 

 

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About the Company

 

Kingsway is a holding company that owns or controls subsidiaries primarily in the extended warranty, asset management and real estate industries. The common shares of Kingsway are listed on the New York Stock Exchange under the trading symbol “KFS.”

 

Non U.S. GAAP Financial Measure

 

The Company believes that non-GAAP adjusted net income (loss) and non-GAAP adjusted EBITDA, when presented in conjunction with comparable GAAP measures, provide useful information about the Company’s operating results and enhances the overall ability to assess the Company’s financial performance. The Company uses non-GAAP adjusted net income (loss) and non-GAAP adjusted EBITDA, together with other measures of performance under GAAP, to compare the relative performance of operations in planning, budgeting and reviewing the performance of its business. Non-GAAP adjusted net income (loss) and non-GAAP adjusted EBITDA allow investors to make a more meaningful comparison between the Company’s core business operating results over different periods of time. The Company believes that non-GAAP adjusted net income (loss) and non-GAAP adjusted EBITDA, when viewed with the Company’s results under GAAP and the accompanying reconciliations, provide useful information about the Company’s business without regard to potential distortions. By eliminating potential differences in results of operations between periods caused by the factors listed in the attached schedules, the Company believes that non-GAAP adjusted net income (loss) and non-GAAP adjusted EBITDA can provide useful additional basis for comparing the current performance of the underlying operations being evaluated. Investors should consider these non GAAP measures in addition to, not as a substitute for or as superior to, financial reporting measures prepared in accordance with GAAP. Investors are encouraged to review the Company's financial results prepared in accordance with GAAP to understand the Company's performance taking into account all relevant factors.

 

Forward-Looking Statements

 

This press release includes “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 that are not historical facts, and involve risks and uncertainties that could cause actual results to differ materially from those expected and projected. Words such as “expects,” “believes,” “anticipates,” “intends,” “estimates,” “seeks” and variations and similar words and expressions are intended to identify such forward-looking statements; however, the absence of any such words does not mean that a statement is a not a forward-looking statement. Such forward-looking statements relate to future events or future performance, but reflect Kingsway management’s current beliefs, based on information currently available. A number of factors could cause actual events, performance or results to differ materially from the events, performance and results discussed in the forward-looking statements, including as a result of the COVID 19 pandemic. For information identifying important factors that could cause actual results to differ materially from those anticipated in the forward-looking statements, please refer to the section entitled “Risk Factors” in the Company’s 2020 Annual Report on Form 10-K and subsequent Form 10-Qs and Form 8-Ks filed with the Securities and Exchange Commission. Except as expressly required by applicable securities law, the Company disclaims any intention or obligation to update or revise any forward-looking statements whether as a result of new information, future events or otherwise.

 

Additional Information

 

Additional information about Kingsway, including a copy of its Annual Reports can be accessed on the EDGAR section of the U.S. Securities and Exchange Commission’s website at www.sec.gov, on the Canadian Securities Administrators’ website at www.sedar.com, or through the Company’s website at www.kingsway-financial.com.

 

 

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Kingsway Financial Services Inc.

Consolidated Balance Sheets

(in thousands, except share data)

 

   

June 30, 2021

   

December 31, 2020

 
   

(unaudited)

         

Assets

               

Investments:

               

Fixed maturities, at fair value (amortized cost of $21,470 and $20,488, respectively)

  $ 21,602     $ 20,716  

Equity investments, at fair value (cost of $1,147 and $1,157, respectively)

    225       444  

Limited liability investments

    3,568       3,692  

Limited liability investments, at fair value

    20,362       32,811  

Investments in private companies, at adjusted cost

    790       790  

Real estate investments, at fair value (cost of $10,225 and $10,225, respectively)

    10,662       10,662  

Other investments, at cost which approximates fair value

    288       294  

Short-term investments, at cost which approximates fair value

    157       157  

Total investments

    57,654       69,566  

Cash and cash equivalents

    17,093       14,374  

Restricted cash

    27,540       30,571  

Accrued investment income

    900       757  

Service fee receivable, net of allowance for doubtful accounts of $258 and $478, respectively

    5,021       3,928  

Other receivables, net of allowance for doubtful accounts of $201 and $201, respectively

    14,144       16,323  

Deferred acquisition costs, net

    9,106       8,835  

Property and equipment, net of accumulated depreciation of $26,557 and $24,441, respectively

    93,376       95,015  

Right-of-use asset

    2,560       2,960  

Goodwill

    121,289       121,130  

Intangible assets, net of accumulated amortization of $16,426 and $15,433, respectively

    83,140       84,133  

Other assets

    15,668       4,882  

Total Assets

  $ 447,491     $ 452,474  

Liabilities and Shareholders' Equity

               

Liabilities:

               

Accrued expenses and other liabilities

  $ 40,671     $ 42,502  

Income taxes payable

    188       2,859  

Deferred service fees

    88,446       87,945  

Unpaid loss and loss adjustment expenses

    1,407       1,449  

Bank loan

    23,182       25,303  

Notes payable

    191,143       192,057  

Subordinated debt, at fair value

    58,218       50,928  

Lease liability

    2,814       3,213  

Net deferred income tax liabilities

    26,503       27,555  

Total Liabilities

    432,572       433,811  

Redeemable Class A preferred stock, no par value; 1,000,000 and 1,000,000 authorized at June 30, 2021 and December 31, 2020, respectively; 182,876 and 182,876 issued and outstanding at June 30, 2021 and December 31, 2020, respectively; redemption amount of $6,828 and $6,658 at June 30, 2021 and December 31, 2020, respectively

    6,828       6,504  

Shareholders' Equity:

               

Common stock, no par value; 50,000,000 and 50,000,000 authorized at June 30, 2021 and December 31, 2020, respectively; 22,365,631 and 22,211,069 issued and outstanding at June 30, 2021 and December 31, 2020, respectively

           

Additional paid-in capital

    356,331       355,242  

Treasury stock, at cost; 247,450 and 247,450 outstanding at June 30, 2021 and December 31, 2020, respectively

    (492 )     (492 )

Accumulated deficit

    (394,851 )     (394,807 )

Accumulated other comprehensive income

    32,434       38,059  

Shareholders' equity attributable to common shareholders

    (6,578 )     (1,998 )

Noncontrolling interests in consolidated subsidiaries

    14,669       14,157  

Total Shareholders' Equity

    8,091       12,159  

Total Liabilities, Class A preferred stock and Shareholders' Equity

  $ 447,491     $ 452,474  

 

 

 

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Kingsway Financial Services Inc.

Consolidated Statements of Operations

(in thousands, except per share data)

(Unaudited)

 

   

Three months ended June 30,

   

Six months ended June 30,

 
   

2021

   

2020

   

2021

   

2020

 

Revenues:

                               
                                 

Service fee and commission revenue

  $ 18,755     $ 10,438     $ 37,329     $ 21,624  

Rental revenue

    3,341       3,341       6,682       6,682  

Total revenues

    22,096       13,779       44,011       28,306  

Operating expenses:

                               

Claims authorized on vehicle service agreements

    5,251       2,347       9,918       4,727  

Loss and loss adjustment expenses

    (4 )     2       4       15  

Commissions

    1,576       1,279       3,080       2,582  

Cost of services sold

    952       347       1,932       750  

General and administrative expenses

    12,043       8,388       24,509       19,081  

Leased real estate segment interest expense

    1,500       1,491       2,968       2,990  

Total operating expenses

    21,318       13,854       42,411       30,145  

Operating income (loss)

    778       (75 )     1,600       (1,839 )

Other revenues (expenses), net:

                               

Net investment income

    403       681       824       1,400  

Net realized gains

    187       8       238       216  

(Loss) gain on change in fair value of equity investments

    (45 )     489       (196 )     (108 )

Gain (loss) on change in fair value of limited liability investments, at fair value

    731       (123 )     529       1,776  

Net change in unrealized loss on private company investments

                      (670 )

Other-than-temporary impairment loss

                      (117 )

Other (expenses) income

    (2,741 )     65       (2,634 )     246  

Interest expense not allocated to segments

    (1,593 )     (1,997 )     (3,145 )     (4,150 )

Amortization of intangible assets

    (496 )     (573 )     (993 )     (1,147 )

(Loss) gain on change in fair value of debt

    (738 )     (202 )     (1,757 )     2,443  

Gain on extinguishment of debt

                2,494        

Total other expenses, net

    (4,292 )     (1,652 )     (4,640 )     (111 )

Loss from continuing operations before income tax benefit

    (3,514 )     (1,727 )     (3,040 )     (1,950 )

Income tax benefit

    (3,258 )     (300 )     (3,683 )     (130 )

(Loss) income from continuing operations

    (256 )     (1,427 )     643       (1,820 )

Gain on disposal of discontinued operations, net of taxes

          6             6  

Net (loss) income

    (256 )     (1,421 )     643       (1,814 )

Less: net income attributable to noncontrolling interests in consolidated subsidiaries

    428       108       687       829  

Less: dividends on preferred stock

    85       224       323       601  

Net loss attributable to common shareholders

  $ (769 )   $ (1,753 )   $ (367 )   $ (3,244 )

Loss per share – continuing operations:

                               

Basic:

  $ (0.03 )   $ (0.08 )   $ (0.02 )   $ (0.15 )

Diluted:

  $ (0.03 )   $ (0.08 )   $ (0.02 )   $ (0.15 )

Earnings per share – discontinued operations:

                               

Basic:

  $     $     $     $  

Diluted:

  $     $     $     $  

Loss per share – net loss attributable to common shareholders:

                               

Basic:

  $ (0.03 )   $ (0.08 )   $ (0.02 )   $ (0.15 )

Diluted:

  $ (0.03 )   $ (0.08 )   $ (0.02 )   $ (0.15 )

Weighted-average shares outstanding (in ‘000s):

                               

Basic:

    22,366       22,211       22,292       22,140  

Diluted:

    22,366       22,211       22,292       22,140  

 

 

 

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Kingsway Financial Services Inc.

Consolidated Statements of Cash Flows

(in thousands)

(Unaudited)

 

   

Six months ended June 30,

 
   

2021

   

2020

 

Cash provided by (used in):

               

Operating activities:

               

Net income (loss)

  $ 643     $ (1,814 )

Adjustments to reconcile net income (loss) to net cash used in operating activities:

               

Gain on disposal of discontinued operations, net of taxes

          (6 )

Equity in net income of limited liability investments

    (45 )     (12 )

Depreciation and amortization expense

    3,138       3,335  

Stock-based compensation expense, net of forfeitures

    2,407       82  

Net realized gains

    (238 )     (216 )

Loss on change in fair value of equity investments

    196       108  

Gain on change in fair value of limited liability investments, at fair value

    (529 )     (1,776 )

Net change in unrealized loss on private company investments

          670  

Loss (gain) on change in fair value of debt

    1,757       (2,443 )

Loss on change in fair value of derivatives

    73        

Deferred income taxes

    (1,052 )     (272 )

Other-than-temporary impairment loss

          117  

Amortization of fixed maturities premiums and discounts

    88       58  

Amortization of notes payable premium, discounts and debt issue costs

    (430 )     (447 )

Gain on extinguishment of debt

    (2,494 )      

Changes in operating assets and liabilities:

               

Service fee receivable, net

    (1,093 )     118  

Other receivables, net

    2,179       1,776  

Deferred acquisition costs, net

    (271 )     (146 )

Other assets

    (10,786 )     62  

Unpaid loss and loss adjustment expenses

    (42 )     (277 )

Deferred service fees

    501       (887 )

Other, net

    (5,510 )     954  

Net cash used in operating activities

    (11,508 )     (1,016 )

Investing activities:

               

Proceeds from sales and maturities of fixed maturities

    2,894       10,269  

Proceeds from sales of equity investments

    23        

Purchases of fixed maturities

    (3,952 )     (7,405 )

Net proceeds from limited liability investments

    168       134  

Net proceeds from limited liability investments, at fair value

    13,188       77  

Net proceeds from investments in private companies

    89       60  

Net proceeds from other investments

    6       103  

Net purchases of short-term investments

          (2 )

Acquisition of business, net of cash acquired

    (50 )      

Net purchases of property and equipment

    (506 )     (105 )

Net cash provided by investing activities

    11,860       3,131  

Financing activities:

               

Distributions to noncontrolling interest holders

    (170 )     (43 )

Taxes paid related to net share settlements of restricted stock awards

    (323 )     (83 )

Principal payments on bank loans

    (2,161 )     (687 )

Principal proceeds from notes payable, net of debt issuance costs of $1,685 in 2021

    13,270       2,858  

Principal payments on notes payable

    (11,280 )     (2,012 )

Net cash (used in) provided by financing activities

    (664 )     33  

Net (decrease) increase in cash and cash equivalents and restricted cash

    (312 )     2,148  

Cash and cash equivalents and restricted cash at beginning of period

    44,945       25,661  

Cash and cash equivalents and restricted cash at end of period

  $ 44,633     $ 27,809  

 

 

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Kingsway Financial Services Inc.

Reconciliation of GAAP Net (Loss) Income to Non-GAAP Adjusted Income (Loss)

(in thousands)

(UNAUDITED)

 

   

Twelve Months Ended

   

For the Three Months Ended

 
   

6/30/2021

   

6/30/2021

   

3/31/2021

   

12/31/2020

   

9/30/2020

 

GAAP Net (Loss) Income

  $ (2,957 )   $ (256 )   $ 899     $ (2,478 )   $ (1,124 )
                                         

Non-GAAP Adjustments:

                                       

(Gain) Loss on sale of non-core investments (1)

    (21 )     (71 )     -       (51 )     101  

Change in fair value of investments (2)

    (3,903 )     (686 )     353       (2,193 )     (1,377 )

Change in fair value of debt (3)

    3,027       738       1,019       767       503  

Litigation expenses (5)

    1,876       -       344       997       535  

Acquisition and disposition related expenses (6)

    377       -       -       238       139  

Employee termination and recruiting expenses (7)

    171       -       160       -       11  

Stock-based compensation expense (8)

    3,667       735       1,699       1,106       127  

Extraordinary audit and audit-related expenses (10)

    76       -       -       -       76  

Loss on extinguishment of debt (11)

    851       -       -       851       -  

CMC Settlement (12)

    958       -       (645 )     1,603       -  

Amortization expense

    2,137       496       497       572       572  

Total Non-GAAP Adjustments

    9,216       1,212       3,427       3,890       687  
                                         

Non-GAAP Adjusted Income (Loss) (13)

  $ 6,259     $ 956     $ 4,326     $ 1,414     $ (437 )

 

   

Twelve Months Ended

   

For the Three Months Ended

 
   

6/30/2020

   

6/30/2020

   

3/31/2020

   

12/31/2019

   

9/30/2019

 

GAAP Net Loss

  $ (8,919 )   $ (1,421 )   $ (393 )   $ (3,098 )   $ (4,006 )
                                         

Non-GAAP Adjustments:

                                       

(Gain) Loss on sale of non-core investments (1)

    (353 )     -       (60 )     -       (293 )

Change in fair value of investments (2)

    934       (366 )     (632 )     (1,803 )     3,736  

Change in fair value of debt (3)

    (2,001 )     202       (2,645 )     1,052       (610 )

Equity in net (gain) loss of investee (4)

    (1 )     -       -       (127 )     126  

Litigation expenses (5)

    1,349       19       1,141       124       65  

Acquisition and disposition related expenses (6)

    58       -       35       -       23  

Employee termination and recruiting expenses (7)

    1,119       46       295       715       63  

Stock-based compensation expense (8)

    592       131       171       145       145  

Net loss from discontinued operations, net of taxes (9)

    1,538       (6 )     -       1,544       -  

Extraordinary audit and audit-related expenses (10)

    1,203       305       390       149       359  

Impairment of assets

    117       -       117       -       -  

Amortization expense

    2,498       573       573       676       675  

Total Non-GAAP Adjustments

    7,053       904       (615 )     2,475       4,289  
                                         

Non-GAAP Adjusted (Loss) Income

  $ (1,866 )   $ (518 )   $ (1,009 )   $ (623 )   $ 283  

 

 

kfslogo2.jpg

 

(1)

Represents realized gains and losses on the Company’s non-core investments. The Company has determined that realized gains and losses relating to its Argo investment fund are core to its strategic operations; therefore, Argo realized gains and losses have been removed from this line item, resulting in immaterial increases to prior period amounts.

 

(2)

The Company has investments in several entities that are not essential to the ongoing operations and strategy of the Company. The investments are recorded at fair value and changes to fair value are recorded as unrealized gains or losses.

 

   

Twelve Months Ended

   

For the Three Months Ended

 
   

6/30/2021

   

6/30/2021

   

3/31/2021

   

12/31/2020

   

9/30/2020

 

(Gain) loss on change in fair value of limited liability investments, at fair value

  $ (2,798 )   $ (731 )   $ 202     $ (1,995 )   $ (274 )

Net change in unrealized (gain) loss on private company investments

    74       -       -       -       74  

(Gain) loss on change in fair value of equity securities

    (1,179 )     45       151       (198 )     (1,177 )

Total

  $ (3,903 )   $ (686 )   $ 353     $ (2,193 )   $ (1,377 )

 

   

Twelve Months Ended

   

For the Three Months Ended

 
   

6/30/2020

   

6/30/2020

   

3/31/2020

   

12/31/2019

   

9/30/2019

 

(Gain) loss on change in fair value of limited liability investments, at fair value

  $ 361     $ 123     $ (1,899 )   $ (1,219 )   $ 3,356  

Net change in unrealized (gain) loss on private company investments

    1,013       -       670       -       343  

(Gain) loss on change in fair value of equity securities

    (439 )     (489 )     597       (584 )     37  

Total

  $ 935     $ (366 )   $ (632 )   $ (1,803 )   $ 3,736  

 

(3)

The Company records its subordinated debt at fair value and changes to fair value (net of the portion of the change attributable to instrument-specific credit risk) are recorded as unrealized gains or losses.

 

(4)

Represents the Company's investment in the common stock of Itasca Capital Ltd. ("ICL"). The Company fully disposed of its investment in ICL during Q4 2019.

 

(5)

Legal expenses associated with the Company's defense against significant litigation matters.

 

(6)

Expenses related to legal, accounting and other expenses associated with completed and contemplated acquisitions and disposals.

 

(7)

Includes charges relating to severance and consulting agreements pertaining to former key employees. 2019 also includes key employee recruiting expenses.

 

(8)

Non-cash expense arising from the grant and modification of stock-based awards to employees. Q1 2021 includes new grants to certain officers of the Company, a portion of which vested upon grant. In Q4 2020, the Company modified an award previously granted to the President of one of its subsidiaries, resulting in additional non-cash compensation expense associated with the change in fair value of the award.

 

(9)

Includes losses relating to the October 2018 completed sale of the Mendota group of companies. Refer to Note 5, Disposal and Discontinued Operations, to the Company's 2020 Annual Report on Form 10-K for further information.

 

(10)

Extraordinary audit and audit-related expenses incurred as a result of the delayed filing of the 2018 and 2019 Kingsway audited financial statements and related quarterly filings.

 

(11)

Early termination fees and write-off of unamortized debt issuance costs and discount associated with the early extinguishment of the 2019 KWH loan as part of the Company's purchase of PWI.

 

(12)

In March 2021, DGI, TRT LeaseCo, LLC and various other entities affiliated with each of them entered into a settlement agreement with respect to such litigation and certain other matters ("CMC Settlement Agreement"). As part of the settlement, the Company made a one-time fee payment to DGI of which $1.6 million relates to rental income collected in periods prior to 2020. In 2021, the Company recorded a benefit related to the finalization of management fees and legal expenses associated with the settlement of CMC litigation.

 

(13)

Includes a benefit of $2.5 million and $0.4 million from PPP loan forgiveness for the three months ended March 31, 2021 and December 31, 2020, respectively.

 

 

 

kfslogo2.jpg

Kingsway Financial Services Inc.

Reconciliation of Extended Warranty Segment Operating Income to Non-GAAP Adjusted EBITDA

and Pro Forma Non-GAAP Adjusted EBITDA

(in thousands)

(UNAUDITED)

 

   

Twelve Months Ended

   

For the Three Months Ended

 
   

6/30/2021

   

6/30/2021

   

3/31/2021

   

12/31/2020

   

9/30/2020

 

GAAP Operating Income for Extended Warranty segment (1)

  $ 12,378     $ 2,600     $ 5,309     $ 3,264     $ 1,205  
                                         

Non-GAAP Adjustments:

                                       

Investment income (2)

    236       42       43       51       100  

Gain (loss) on sale of core investments (3)

    39       1       12       (3 )     29  

Depreciation

    234       53       12       112       58  

Total Non-GAAP Adjustments

    509       95       67       160       187  
                                         

Non-GAAP adjusted EBITDA for Extended Warranty segment

  $ 12,887     $ 2,695     $ 5,376     $ 3,424     $ 1,392  

PWI operating income (4)

    2,010       -       -       914       1,096  

PWI depreciation (4)

    43       -       -       30       13  

Pro forma Non-GAAP adjusted EBITDA for Extended Warranty segment

  $ 14,940     $ 2,695     $ 5,376     $ 4,368     $ 2,501  

 

   

Twelve Months Ended

   

For the Three Months Ended

 
   

6/30/2020

   

6/30/2020

   

3/31/2020

   

12/31/2019

   

9/30/2019

 

GAAP Operating Income for Extended Warranty segment (1)

  $ 5,144     $ 1,285     $ 850     $ 1,431     $ 1,579  
                                         

Non-GAAP Adjustments:

                                       

Investment income (2)

    584       100       144       177       163  

Gain (loss) on sale of core investments (3)

    70       8       61       4       (3 )

Impairment of assets

    117       -       117       -       -  

Depreciation

    222       55       55       55       57  

Total Non-GAAP Adjustments

    993       163       377       236       217  
                                         

Non-GAAP adjusted EBITDA for Extended Warranty segment

  $ 6,137     $ 1,448     $ 1,227     $ 1,667     $ 1,796  

PWI operating income (4)

    4,997       2,214       1,250       1,086       447  

PWI depreciation (4)

    51       13       13       13       12  

Pro forma Non-GAAP adjusted EBITDA for Extended Warranty segment

  $ 11,186     $ 3,675     $ 2,490     $ 2,765     $ 2,255  

 

(1)

Includes one month of PWI operating income for the three months ended December 31, 2020 and excludes PWI for prior periods. Excludes the impact of final purchase accounting adjustments for PWI, which will be completed in 2021. Also includes a benefit of $2.2 million and $0.4 million from PPP loan forgiveness for the three months ended March 31, 2021 and December 31, 2020, respectively.

 

(2)

Investment income arising as part of Extended Warranty segment’s minimum holding requirements

 

(3)

Realized Gains (losses) resulting from investments held in trust as part of Extended Warranty segment’s minimum holding requirements

 

(4)

Includes amounts related to PWI prior to acquisition (April 2019 through November 2020).

 
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Document And Entity Information
Aug. 05, 2021
Document Information [Line Items]  
Entity, Registrant Name KINGSWAY FINANCIAL SERVICES INC.
Document, Type 8-K
Document, Period End Date Aug. 05, 2021
Entity, Incorporation, State or Country Code DE
Entity, File Number 001-15204
Entity, Tax Identification Number 85-1792291
Entity, Address, Address Line One 150 Pierce Rd.,
Entity, Address, City or Town Itasca,
Entity, Address, State or Province IL
Entity, Address, Postal Zip Code 60143
City Area Code 847
Local Phone Number 871-6408
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol KFS
Security Exchange Name NYSE
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0001072627
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