KINS Fundamental Analysis - KINGSTONE COS INC

Fundamental Rating

Overall KINS gets a fundamental rating of 5 out of 10. We evaluated KINS against 147 industry peers in the Insurance industry. KINS has an average financial health and profitability rating. KINS has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!

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1. Profitability

1.1 Basic Checks

In the past year KINS was profitable.

In the past year KINS had a positive cash flow from operations.

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.

1.2 Ratios

The Return On Assets of KINS (7.00%) is better than 93.20% of its industry peers.

With an excellent Return On Equity value of 29.04%, KINS belongs to the best of the industry, outperforming 95.24% of the companies in the same industry.

The Return On Invested Capital of KINS (7.62%) is better than 90.48% of its industry peers.

		Industry Rank	Sector Rank
ROA	7%
ROE	29.04%
ROIC	7.62%

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 better Profit Margin (14.84%) than 79.59% of its industry peers.

KINS's Operating Margin of 19.90% is fine compared to the rest of the industry. KINS outperforms 76.87% of its industry peers.

		Industry Rank	Sector Rank
OM	19.9%
PM (TTM)	14.84%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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 0.07, which is an excellent value as it means it would take KINS, only 0.07 years of fcf income to pay off all of its debts.

KINS's Debt to FCF ratio of 0.07 is amongst the best of the industry. KINS outperforms 92.52% of its industry peers.

A Debt/Equity ratio of 0.05 indicates that KINS is not too dependend on debt financing.

KINS has a better Debt to Equity ratio (0.05) than 81.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.07
Altman-Z	N/A

ROIC/WACC0.86

WACC8.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

KINS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 452.94%, which is quite impressive.

KINS shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.74%.

Measured over the past years, KINS shows a small growth in Revenue. The Revenue has been growing by 1.35% on average per year.

EPS 1Y (TTM)452.94%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%92.31%

Revenue 1Y (TTM)29.74%

Revenue growth 3Y-1.27%

Revenue growth 5Y1.35%

Sales Q2Q%43.04%

3.2 Future

KINS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.53% yearly.

Based on estimates for the next years, KINS will show a very strong growth in Revenue. The Revenue will grow by 25.19% on average per year.

EPS Next Y50.85%

EPS Next 2Y28.53%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year39.52%

Revenue Next 2Y25.19%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.02 indicates a reasonable valuation of KINS.

KINS's Price/Earnings ratio is a bit cheaper when compared to the industry. KINS is cheaper than 72.11% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.69. KINS is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 6.42 indicates a rather cheap valuation of KINS.

Compared to the rest of the industry, the Price/Forward Earnings ratio of KINS indicates a somewhat cheap valuation: KINS is cheaper than 78.23% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.18, KINS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.02
Fwd PE	6.42

4.2 Price Multiples

KINS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. KINS is cheaper than 80.95% of the companies in the same industry.

82.31% of the companies in the same industry are more expensive than KINS, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	3.08
EV/EBITDA	4.61

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 28.53% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.16

PEG (5Y)N/A

EPS Next 2Y28.53%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

KINS has a Yearly Dividend Yield of 1.37%. Purely for dividend investing, there may be better candidates out there.

KINS's Dividend Yield is comparable with the industry average which is at 3.31.

Compared to an average S&P500 Dividend Yield of 2.34, KINS's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.37%

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

DP0%

EPS Next 2Y28.53%

EPS Next 3YN/A

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KINGSTONE COS INC

NASDAQ:KINS (10/21/2025, 11:38:58 AM)

15.0699

+0.18 (+1.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07/amc

Earnings (Next)11-06 2025-11-06/amc

Inst Owners48.06%

Inst Owner Change-0.34%

Ins Owners12.76%

Ins Owner Change4.02%

Market Cap213.09M

Analysts85.71

Price Target22.44 (48.91%)

Short Float %9.02%

Short Ratio5.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.37%

Yearly Dividend0

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-Date08-11 2025-08-11 (0.05)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

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)0

Avg Revenue beat(2)-2.89%

Min Revenue beat(2)-2.9%

Max Revenue beat(2)-2.87%

Revenue beat(4)0

Avg Revenue beat(4)-14.81%

Min Revenue beat(4)-51.81%

Max Revenue beat(4)-1.66%

Revenue beat(8)3

Avg Revenue beat(8)-7.04%

Revenue beat(12)5

Avg Revenue beat(12)-1.59%

Revenue beat(16)7

Avg Revenue beat(16)-0.17%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-6.15%

EPS NY rev (1m)5%

EPS NY rev (3m)5%

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	8.02
Fwd PE	6.42
P/S	1.15
P/FCF	3.08
P/OCF	2.97
P/B	2.25
P/tB	2.26
EV/EBITDA	4.61

EPS(TTM)1.88

EY12.48%

EPS(NY)2.35

Fwd EY15.57%

FCF(TTM)4.89

FCFY32.44%

OCF(TTM)5.08

OCFY33.73%

SpS13.13

BVpS6.71

TBVpS6.67

PEG (NY)0.16

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	7%
ROE	29.04%
ROCE	9.67%
ROIC	7.62%
ROICexc	8.36%
ROICexgc	10.3%
OM	19.9%
PM (TTM)	14.84%
GM	N/A
FCFM	37.23%

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

ROICexcg growth 3YN/A

ROICexcg 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	0.05
Debt/FCF	0.07
Debt/EBITDA	0.13
Cap/Depr	110.92%
Cap/Sales	1.48%
Interest Coverage	14.75
Cash Conversion	182.28%
Profit Quality	250.89%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC8.84%

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)452.94%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%92.31%

EPS Next Y50.85%

EPS Next 2Y28.53%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)29.74%

Revenue growth 3Y-1.27%

Revenue growth 5Y1.35%

Sales Q2Q%43.04%

Revenue Next Year39.52%

Revenue Next 2Y25.19%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y236.06%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y1070.86%

FCF growth 3Y40.97%

FCF growth 5Y16.49%

OCF growth 1Y1807%

OCF growth 3Y33.51%

OCF growth 5Y14.18%

KINGSTONE COS INC (KINS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens