16.83 USD
-0.22 (-1.29%)
16.83 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to KINS. KINS was compared to 148 industry peers in the Insurance industry. Both the profitability and the financial health of KINS get a neutral evaluation. Nothing too spectacular is happening here. KINS may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
KINS had positive earnings in the past year.
In the past year KINS had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: KINS reported negative net income in multiple years.
In multiple years KINS reported negative operating cash flow during the last 5 years.
1.2 Ratios
KINS's Return On Assets of 7.34% is amongst the best of the industry. KINS outperforms 91.89% of its industry peers.
The Return On Equity of KINS (29.21%) is better than 95.27% of its industry peers.
The Return On Invested Capital of KINS (7.69%) is better than 90.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 29.21% | ||
| ROIC | 7.69% |
ROA(3y)-1.36%
ROA(5y)-1.2%
ROE(3y)-17.5%
ROE(5y)-12.24%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 15.68%, KINS belongs to the best of the industry, outperforming 80.41% of the companies in the same industry.
KINS has a Operating Margin of 20.17%. This is in the better half of the industry: KINS outperforms 69.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.17% | ||
| PM (TTM) | 15.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
KINS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
KINS has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, KINS has more shares outstanding
Compared to 1 year ago, KINS has an improved debt to assets ratio.
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 has a Debt to FCF ratio of 0.06. This is amongst the best in the industry. KINS outperforms 94.59% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that KINS is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.04, KINS belongs to the top of the industry, outperforming 83.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.86
WACC8.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 90.09% over the past year.
The Revenue has grown by 34.02% in the past year. This is a very strong growth!
KINS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.35% yearly.
EPS 1Y (TTM)90.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%46%
Revenue 1Y (TTM)34.02%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%54.05%
3.2 Future
Based on estimates for the next years, KINS will show a very strong growth in Earnings Per Share. The EPS will grow by 25.47% on average per year.
The Revenue is expected to grow by 18.85% on average over the next years. This is quite good.
EPS Next Y58.03%
EPS Next 2Y31.3%
EPS Next 3Y25.47%
EPS Next 5YN/A
Revenue Next Year36.15%
Revenue Next 2Y21.61%
Revenue Next 3Y18.85%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.98 indicates a rather cheap valuation of KINS.
Based on the Price/Earnings ratio, KINS is valued a bit cheaper than the industry average as 76.35% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of KINS to the average of the S&P500 Index (26.51), we can say KINS is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.87, the valuation of KINS can be described as very cheap.
Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than 78.38% of the companies in the same industry.
KINS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.98 | ||
| Fwd PE | 6.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, KINS is valued a bit cheaper than the industry average as 77.70% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, KINS is valued cheaper than 82.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.25 | ||
| EV/EBITDA | 5.03 |
4.3 Compensation for Growth
KINS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
KINS's earnings are expected to grow with 25.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
5. Dividend
5.1 Amount
KINS has a Yearly Dividend Yield of 1.15%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.42, KINS has a dividend in line with its industry peers.
With a Dividend Yield of 1.15, KINS pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
5.2 History
KINS has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
16.83
-0.22 (-1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners52.4%
Inst Owner Change8.7%
Ins Owners12.76%
Ins Owner Change2.3%
Market Cap238.14M
Revenue(TTM)200.55M
Net Income(TTM)31.45M
Analysts85.71
Price Target22.44 (33.33%)
Short Float %5.33%
Short Ratio4.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)0%
EPS NY rev (3m)4.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.98 | ||
| Fwd PE | 6.87 | ||
| P/S | 1.19 | ||
| P/FCF | 3.25 | ||
| P/OCF | 3.13 | ||
| P/B | 2.21 | ||
| P/tB | 2.22 | ||
| EV/EBITDA | 5.03 |
EPS(TTM)2.11
EY12.54%
EPS(NY)2.45
Fwd EY14.55%
FCF(TTM)5.18
FCFY30.8%
OCF(TTM)5.37
OCFY31.93%
SpS14.17
BVpS7.61
TBVpS7.57
PEG (NY)0.14
PEG (5Y)N/A
Graham Number19.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.34% | ||
| ROE | 29.21% | ||
| ROCE | 9.76% | ||
| ROIC | 7.69% | ||
| ROICexc | 8.22% | ||
| ROICexgc | 10.1% | ||
| OM | 20.17% | ||
| PM (TTM) | 15.68% | ||
| GM | N/A | ||
| FCFM | 36.58% |
ROA(3y)-1.36%
ROA(5y)-1.2%
ROE(3y)-17.5%
ROE(5y)-12.24%
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 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.47
Health
| Industry Rank | Sector 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
WACC8.97%
ROIC/WACC0.86
Cap/Depr(3y)98.26%
Cap/Depr(5y)109.6%
Cap/Sales(3y)2.09%
Cap/Sales(5y)2.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)90.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%46%
EPS Next Y58.03%
EPS Next 2Y31.3%
EPS Next 3Y25.47%
EPS Next 5YN/A
Revenue 1Y (TTM)34.02%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%54.05%
Revenue Next Year36.15%
Revenue Next 2Y21.61%
Revenue Next 3Y18.85%
Revenue Next 5YN/A
EBIT growth 1Y63.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y746.64%
FCF growth 3Y40.97%
FCF growth 5Y16.49%
OCF growth 1Y968.71%
OCF growth 3Y33.51%
OCF growth 5Y14.18%
KINGSTONE COS INC / KINS 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 8 / 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 5 / 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 7.98 and the Price/Book (PB) ratio is 2.21.
Can you provide the expected EPS growth for KINS stock?
The Earnings per Share (EPS) of KINGSTONE COS INC (KINS) is expected to grow by 58.03% in the next year.