16.05 USD
-0.08 (-0.5%)
At close: Feb 6, 2026
16.05 USD
0 (0%)
After Hours: 2/6/2026, 8:00:02 PM
Taking everything into account, KINS scores 5 out of 10 in our fundamental rating. KINS was compared to 147 industry peers in the Insurance industry. KINS has only an average score on both its financial health and profitability. KINS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- In the past year KINS was profitable.
- 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.
- In multiple years KINS reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 7.34%, KINS belongs to the best of the industry, outperforming 92.52% of the companies in the same industry.
- KINS has a better Return On Equity (29.21%) than 95.24% of its industry peers.
- KINS has a better Return On Invested Capital (7.69%) than 90.48% 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
- KINS has a Profit Margin of 15.68%. This is amongst the best in the industry. KINS outperforms 80.27% of its industry peers.
- KINS's Operating Margin of 20.17% is fine compared to the rest of the industry. KINS outperforms 69.39% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so KINS is destroying value.
- Compared to 1 year ago, KINS has more shares outstanding
- KINS has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for KINS has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of KINS is 0.06, which is an excellent value as it means it would take KINS, only 0.06 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.06, KINS belongs to the top of the industry, outperforming 94.56% of the companies in the same industry.
- KINS has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
- With an excellent Debt to Equity ratio value of 0.04, KINS belongs to the best of the industry, outperforming 82.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.85
WACC9.01%
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.
- KINS shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.02%.
- The Revenue has been growing slightly by 1.35% on average over the past years.
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.
- KINS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.85% yearly.
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 7.61 indicates a rather cheap valuation of KINS.
- Based on the Price/Earnings ratio, KINS is valued a bit cheaper than 74.15% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.92, KINS is valued rather cheaply.
- With a Price/Forward Earnings ratio of 6.56, the valuation of KINS can be described as very cheap.
- 77.55% of the companies in the same industry are more expensive than KINS, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of KINS to the average of the S&P500 Index (27.78), we can say KINS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.61 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
- 78.23% of the companies in the same industry are more expensive than KINS, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of KINS indicates a rather cheap valuation: KINS is cheaper than 82.99% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.1 | ||
| EV/EBITDA | 4.8 |
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.
- A more expensive valuation may be justified as KINS's earnings are expected to grow with 25.47% in the coming years.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
5. Dividend
5.1 Amount
- KINS has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.21, KINS has a dividend in line with its industry peers.
- KINS's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
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%
16.05
-0.08 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)03-11 2026-03-11/amc
Inst Owners52.98%
Inst Owner Change1.98%
Ins Owners12.76%
Ins Owner Change5.41%
Market Cap227.11M
Revenue(TTM)200.55M
Net Income(TTM)31.45M
Analysts85.71
Price Target22.44 (39.81%)
Short Float %4.48%
Short Ratio3.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Yearly DividendN/A
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)3.7%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.61 | ||
| Fwd PE | 6.56 | ||
| P/S | 1.13 | ||
| P/FCF | 3.1 | ||
| P/OCF | 2.99 | ||
| P/B | 2.11 | ||
| P/tB | 2.12 | ||
| EV/EBITDA | 4.8 |
EPS(TTM)2.11
EY13.15%
EPS(NY)2.45
Fwd EY15.25%
FCF(TTM)5.18
FCFY32.3%
OCF(TTM)5.37
OCFY33.49%
SpS14.17
BVpS7.61
TBVpS7.57
PEG (NY)0.13
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
WACC9.01%
ROIC/WACC0.85
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 7.61 and the Price/Book (PB) ratio is 2.11.
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.