KINGSTONE COS INC (KINS) Fundamental Analysis & Valuation

NASDAQ:KINS • US4967191051

Current stock price

14.21 USD
-0.45 (-3.07%)
At close:
14.1595 USD
-0.05 (-0.36%)
After Hours:

This KINS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. KINS Profitability Analysis

1.1 Basic Checks

  • KINS had positive earnings in the past year.
  • KINS had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: KINS reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: KINS reported negative operating cash flow in multiple years.
KINS Yearly Net Income VS EBIT VS OCF VS FCFKINS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M

1.2 Ratios

  • With an excellent Return On Assets value of 7.34%, KINS belongs to the best of the industry, outperforming 89.86% of the companies in the same industry.
  • KINS has a better Return On Equity (29.21%) than 93.24% of its industry peers.
  • KINS has a better Return On Invested Capital (7.74%) than 85.81% of its industry peers.
Industry RankSector Rank
ROA 7.34%
ROE 29.21%
ROIC 7.74%
ROA(3y)3.98%
ROA(5y)0.54%
ROE(3y)14.29%
ROE(5y)-5.81%
ROIC(3y)N/A
ROIC(5y)N/A
KINS Yearly ROA, ROE, ROICKINS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60

1.3 Margins

  • With a decent Profit Margin value of 15.68%, KINS is doing good in the industry, outperforming 78.38% of the companies in the same industry.
  • KINS's Profit Margin has improved in the last couple of years.
  • KINS has a Operating Margin of 20.17%. This is in the better half of the industry: KINS outperforms 74.32% of its industry peers.
  • In the last couple of years the Operating Margin of KINS has grown nicely.
Industry RankSector Rank
OM 20.17%
PM (TTM) 15.68%
GM N/A
OM growth 3YN/A
OM growth 5Y129%
PM growth 3YN/A
PM growth 5Y90.26%
GM growth 3YN/A
GM growth 5YN/A
KINS Yearly Profit, Operating, Gross MarginsKINS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. KINS Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KINS is destroying value.
  • KINS has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for KINS has been increased compared to 5 years ago.
  • Compared to 1 year ago, KINS has an improved debt to assets ratio.
KINS Yearly Shares OutstandingKINS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
KINS Yearly Total Debt VS Total AssetsKINS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.2 Solvency

  • KINS has a debt to FCF ratio of 0.06. This is a very positive value and a sign of high solvency as it would only need 0.06 years to pay back of all of its debts.
  • KINS's Debt to FCF ratio of 0.06 is amongst the best of the industry. KINS outperforms 92.57% of its industry peers.
  • KINS has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • KINS has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. KINS outperforms 83.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACC0.84
WACC9.21%
KINS Yearly LT Debt VS Equity VS FCFKINS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KINS Yearly Current Assets VS Current LiabilitesKINS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. KINS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 92.25% over the past year.
  • KINS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 100.03% yearly.
  • KINS shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.50%.
  • The Revenue has been growing by 10.34% on average over the past years. This is quite good.
EPS 1Y (TTM)92.25%
EPS 3YN/A
EPS 5Y100.03%
EPS Q2Q%134.78%
Revenue 1Y (TTM)38.5%
Revenue growth 3Y18.17%
Revenue growth 5Y10.34%
Sales Q2Q%27.11%

3.2 Future

  • Based on estimates for the next years, KINS will show a decrease in Earnings Per Share. The EPS will decrease by -0.50% on average per year.
  • KINS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.37% yearly.
EPS Next Y-19.67%
EPS Next 2Y-0.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.85%
Revenue Next 2Y11.37%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
KINS Yearly Revenue VS EstimatesKINS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
KINS Yearly EPS VS EstimatesKINS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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7

4. KINS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.21, the valuation of KINS can be described as very cheap.
  • Based on the Price/Earnings ratio, KINS is valued cheaply inside the industry as 81.76% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, KINS is valued rather cheaply.
  • KINS is valuated cheaply with a Price/Forward Earnings ratio of 6.48.
  • Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of KINS to the average of the S&P500 Index (22.19), we can say KINS is valued rather cheaply.
Industry RankSector Rank
PE 5.21
Fwd PE 6.48
KINS Price Earnings VS Forward Price EarningsKINS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • KINS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. KINS is cheaper than 79.05% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, KINS is valued a bit cheaper than the industry average as 79.73% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.79
EV/EBITDA 4.4
KINS Per share dataKINS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The decent profitability rating of KINS may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-0.5%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. KINS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.37%, KINS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.84, KINS has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.90, KINS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.37%

5.2 History

  • KINS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
KINS Yearly Dividends per shareKINS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2025 2026 0 0 0 0 0

5.3 Sustainability

DPN/A
EPS Next 2Y-0.5%
EPS Next 3YN/A
KINS Yearly Income VS Free CF VS DividendKINS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M

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KINS Fundamentals: All Metrics, Ratios and Statistics

KINGSTONE COS INC

NASDAQ:KINS (3/27/2026, 8:00:03 PM)

After market: 14.1595 -0.05 (-0.36%)

14.21

-0.45 (-3.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-06
Inst Owners53.72%
Inst Owner Change5.48%
Ins Owners13.16%
Ins Owner Change3.87%
Market Cap204.62M
Revenue(TTM)214.87M
Net Income(TTM)31.45M
Analysts82.86
Price Target21.93 (54.33%)
Short Float %3.63%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 1.37%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.25%
Min EPS beat(2)0.8%
Max EPS beat(2)33.69%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)7.33%
Min Revenue beat(2)-2.87%
Max Revenue beat(2)17.53%
Revenue beat(4)1
Avg Revenue beat(4)2.52%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)17.53%
Revenue beat(8)4
Avg Revenue beat(8)6.23%
Revenue beat(12)5
Avg Revenue beat(12)-1.99%
Revenue beat(16)8
Avg Revenue beat(16)1.04%
PT rev (1m)-2.27%
PT rev (3m)-2.27%
EPS NQ rev (1m)87.5%
EPS NQ rev (3m)94.44%
EPS NY rev (1m)-10.42%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)-1.71%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)1.23%
Revenue NY rev (3m)1.23%
Valuation
Industry RankSector Rank
PE 5.21
Fwd PE 6.48
P/S 1.02
P/FCF 2.79
P/OCF 2.69
P/B 1.9
P/tB 1.91
EV/EBITDA 4.4
EPS(TTM)2.73
EY19.21%
EPS(NY)2.19
Fwd EY15.43%
FCF(TTM)5.09
FCFY35.85%
OCF(TTM)5.28
OCFY37.17%
SpS13.93
BVpS7.48
TBVpS7.44
PEG (NY)N/A
PEG (5Y)0.05
Graham Number21.43
Profitability
Industry RankSector Rank
ROA 7.34%
ROE 29.21%
ROCE 9.76%
ROIC 7.74%
ROICexc 8.28%
ROICexgc 10.17%
OM 20.17%
PM (TTM) 15.68%
GM N/A
FCFM 36.58%
ROA(3y)3.98%
ROA(5y)0.54%
ROE(3y)14.29%
ROE(5y)-5.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y132.36%
ROICexc growth 3YN/A
ROICexc growth 5Y133.79%
OM growth 3YN/A
OM growth 5Y129%
PM growth 3YN/A
PM growth 5Y90.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.47
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Debt/EBITDA 0.11
Cap/Depr 107.85%
Cap/Sales 1.34%
Interest Coverage 17.22
Cash Conversion 177.08%
Profit Quality 233.28%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.21%
ROIC/WACC0.84
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)92.25%
EPS 3YN/A
EPS 5Y100.03%
EPS Q2Q%134.78%
EPS Next Y-19.67%
EPS Next 2Y-0.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)38.5%
Revenue growth 3Y18.17%
Revenue growth 5Y10.34%
Sales Q2Q%27.11%
Revenue Next Year7.85%
Revenue Next 2Y11.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.86%
EBIT growth 3YN/A
EBIT growth 5Y152.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y97.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y93.08%
OCF growth 3YN/A
OCF growth 5YN/A

KINGSTONE COS INC / KINS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of KINGSTONE COS INC (KINS) stock?

ChartMill assigns a fundamental rating of 5 / 10 to KINS.


Can you provide the valuation status for KINGSTONE COS INC?

ChartMill assigns a valuation rating of 7 / 10 to KINGSTONE COS INC (KINS). This can be considered as Undervalued.


Can you provide the profitability details for KINGSTONE COS INC?

KINGSTONE COS INC (KINS) has a profitability rating of 6 / 10.


What is the valuation of KINGSTONE COS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for KINGSTONE COS INC (KINS) is 5.21 and the Price/Book (PB) ratio is 1.9.


Can you provide the expected EPS growth for KINS stock?

The Earnings per Share (EPS) of KINGSTONE COS INC (KINS) is expected to decline by -19.67% in the next year.