KINGSTONE COS INC (KINS) Stock Fundamental Analysis

NASDAQ:KINS • US4967191051

16.43 USD
-0.05 (-0.3%)
Last: Mar 2, 2026, 01:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

KINS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • KINS had positive earnings in the past year.
  • KINS had a positive operating cash flow in the past year.
  • In multiple years KINS reported negative net income over the last 5 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 0 20M -20M 40M

1.2 Ratios

  • The Return On Assets of KINS (7.34%) is better than 92.62% of its industry peers.
  • With an excellent Return On Equity value of 29.21%, KINS belongs to the best of the industry, outperforming 94.63% of the companies in the same industry.
  • KINS has a better Return On Invested Capital (7.69%) than 89.26% of its industry peers.
Industry RankSector 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
KINS Yearly ROA, ROE, ROICKINS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 79.87% 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 74.50% of its industry peers.
Industry RankSector 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
KINS Yearly Profit, Operating, Gross MarginsKINS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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
  • Compared to 5 years ago, KINS has more shares outstanding
  • The debt/assets ratio for KINS has been reduced compared to a year ago.
KINS Yearly Shares OutstandingKINS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 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 100M 200M 300M

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.
  • The Debt to FCF ratio of KINS (0.06) is better than 95.30% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that KINS is not too dependend on debt financing.
  • KINS has a better Debt to Equity ratio (0.04) than 83.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACC0.88
WACC8.78%
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 0 20M 40M 60M 80M

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 2M 4M 6M 8M 10M

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

6

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!
  • 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

  • The Earnings Per Share is expected to grow by 25.47% on average over the next years. This is a very strong growth
  • 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

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.79 indicates a rather cheap valuation of KINS.
  • Based on the Price/Earnings ratio, KINS is valued a bit cheaper than the industry average as 73.15% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, KINS is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.71, the valuation of KINS can be described as very cheap.
  • 75.17% of the companies in the same industry are more expensive than KINS, based on the Price/Forward Earnings ratio.
  • KINS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 7.79
Fwd PE 6.71
KINS Price Earnings VS Forward Price EarningsKINS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, KINS is valued a bit cheaper than the industry average as 78.52% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, KINS is valued cheaply inside the industry as 81.88% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.17
EV/EBITDA 4.92
KINS Per share dataKINS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The 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)0.13
PEG (5Y)N/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%

More info and screens

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

3

5. Dividend

5.1 Amount

  • KINS has a Yearly Dividend Yield of 1.19%. Purely for dividend investing, there may be better candidates out there.
  • KINS's Dividend Yield is comparable with the industry average which is at 2.46.
  • Compared to the average S&P500 Dividend Yield of 1.82, KINS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.19%

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 2Y31.3%
EPS Next 3Y25.47%
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 0 20M -20M 40M

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Find the best dividend stocksShow peers with best dividend

KINGSTONE COS INC

NASDAQ:KINS (3/2/2026, 1:33:12 PM)

16.43

-0.05 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)03-05
Inst Owners52.98%
Inst Owner Change5.48%
Ins Owners12.76%
Ins Owner Change3.17%
Market Cap232.48M
Revenue(TTM)200.55M
Net Income(TTM)31.45M
Analysts85.71
Price Target21.93 (33.48%)
Short Float %4.5%
Short Ratio3.32
Dividend
Industry RankSector Rank
Dividend Yield 1.19%
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)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-1.71%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 7.79
Fwd PE 6.71
P/S 1.16
P/FCF 3.17
P/OCF 3.06
P/B 2.16
P/tB 2.17
EV/EBITDA 4.92
EPS(TTM)2.11
EY12.84%
EPS(NY)2.45
Fwd EY14.9%
FCF(TTM)5.18
FCFY31.55%
OCF(TTM)5.37
OCFY32.71%
SpS14.17
BVpS7.61
TBVpS7.57
PEG (NY)0.13
PEG (5Y)N/A
Graham Number19.01
Profitability
Industry RankSector 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 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
WACC8.78%
ROIC/WACC0.88
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 4 / 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 7.79 and the Price/Book (PB) ratio is 2.16.


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.