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
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 is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
- 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
- KINS has a better Return On Assets (7.34%) than 92.52% of its industry peers.
- KINS has a better Return On Equity (29.21%) than 95.24% of its industry peers.
- KINS has a Return On Invested Capital of 7.69%. This is amongst the best in the industry. KINS outperforms 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's Profit Margin of 15.68% is amongst the best of the industry. KINS outperforms 80.27% of its industry peers.
- KINS has a better Operating Margin (20.17%) than 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.
- The number of shares outstanding for KINS has been increased compared to 1 year ago.
- KINS has more shares outstanding than it did 5 years ago.
- 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 better Debt to FCF ratio (0.06) than 94.56% 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 82.99% of its industry peers.
| 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.
- The Revenue has grown by 34.02% in the past year. This is a very strong growth!
- 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)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.
- Based on estimates for the next years, KINS will show a quite strong growth in Revenue. The Revenue will grow by 18.85% on average per year.
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.
- KINS's Price/Earnings ratio is a bit cheaper when compared to the industry. KINS is cheaper than 74.15% of the companies in the same industry.
- KINS is valuated cheaply when we compare the Price/Earnings ratio to 27.92, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 6.56, the valuation of KINS can be described as very cheap.
- Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than 77.55% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 27.78. KINS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.61 | ||
| Fwd PE | 6.56 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, KINS is valued a bit cheaper than 78.23% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, KINS is valued cheaply inside the industry as 82.99% of the companies are valued more expensively.
| 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
- With a Yearly Dividend Yield of 1.24%, KINS has a reasonable but not impressive dividend return.
- KINS's Dividend Yield is comparable with the industry average which is at 2.28.
- Compared to the average S&P500 Dividend Yield of 1.81, KINS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.24% |
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
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)03-05 2026-03-05/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 | 1.24% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-11 2026-02-11 (0.05)
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.