KINGSTONE COS INC (KINS) Fundamental Analysis & Valuation

NASDAQ:KINS • US4967191051

Current stock price

14.51 USD
-0.03 (-0.21%)
Last:

This KINS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. KINS Profitability Analysis

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.
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 2025 0 20M -20M 40M 60M

1.2 Ratios

  • KINS has a better Return On Assets (8.99%) than 93.24% of its industry peers.
  • KINS's Return On Equity of 33.22% is amongst the best of the industry. KINS outperforms 95.95% of its industry peers.
  • KINS has a Return On Invested Capital of 9.33%. This is amongst the best in the industry. KINS outperforms 89.86% of its industry peers.
Industry RankSector Rank
ROA 8.99%
ROE 33.22%
ROIC 9.33%
ROA(3y)3.98%
ROA(5y)0.54%
ROE(3y)14.29%
ROE(5y)-5.81%
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 2025 0 20 -20 -40 -60

1.3 Margins

  • Looking at the Profit Margin, with a value of 18.97%, KINS belongs to the top of the industry, outperforming 82.43% of the companies in the same industry.
  • In the last couple of years the Profit Margin of KINS has grown nicely.
  • KINS has a Operating Margin of 24.05%. This is amongst the best in the industry. KINS outperforms 83.11% of its industry peers.
  • KINS's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 24.05%
PM (TTM) 18.97%
GM N/A
OM growth 3YN/A
OM growth 5Y129.16%
PM growth 3YN/A
PM growth 5Y90.26%
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 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. KINS Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so KINS is still creating some 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.
KINS Yearly Shares OutstandingKINS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 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 2025 100M 200M 300M 400M

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 92.57% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that KINS is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.04, KINS belongs to the best of the industry, outperforming 84.46% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACC1.01
WACC9.25%
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 2025 0 20M 40M 60M 80M 100M

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 2025 5M 10M 15M

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

7

3. KINS Growth Analysis

3.1 Past

  • KINS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.25%, which is quite impressive.
  • Measured over the past years, KINS shows a very strong growth in Earnings Per Share. The EPS has been growing by 100.03% on average per year.
  • The Revenue has grown by 38.50% in the past year. This is a very strong growth!
  • Measured over the past years, KINS shows a quite strong growth in Revenue. The Revenue has been growing by 10.34% on average per year.
EPS 1Y (TTM)92.25%
EPS 3YN/A
EPS 5Y100.03%
EPS Q2Q%134.78%
Revenue 1Y (TTM)38.5%
Revenue growth 3Y18.17%
Revenue growth 5Y10.34%
Sales Q2Q%27.11%

3.2 Future

  • The Earnings Per Share is expected to decrease by -0.50% on average over the next years.
  • The Revenue is expected to grow by 19.63% on average over the next years. This is quite good.
EPS Next Y-19.67%
EPS Next 2Y-0.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.23%
Revenue Next 2Y19.63%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 100M 200M 300M
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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7

4. KINS Valuation Analysis

4.1 Price/Earnings Ratio

  • KINS is valuated cheaply with a Price/Earnings ratio of 5.32.
  • 81.76% of the companies in the same industry are more expensive than KINS, based on the Price/Earnings ratio.
  • KINS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.17.
  • The Price/Forward Earnings ratio is 6.62, which indicates a rather cheap valuation of KINS.
  • Based on the Price/Forward 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/Forward Earnings ratio of KINS to the average of the S&P500 Index (23.05), we can say KINS is valued rather cheaply.
Industry RankSector Rank
PE 5.32
Fwd PE 6.62
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KINS indicates a somewhat cheap valuation: KINS is cheaper than 79.73% of the companies listed in the same industry.
  • 80.41% of the companies in the same industry are more expensive than KINS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.86
EV/EBITDA 3.72
KINS Per share dataKINS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • The decent profitability rating of KINS may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-0.5%
EPS Next 3YN/A

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

3

5. KINS Dividend Analysis

5.1 Amount

  • KINS has a Yearly Dividend Yield of 1.41%.
  • KINS's Dividend Yield is comparable with the industry average which is at 2.55.
  • KINS's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.41%

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
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

  • 3.47% of the earnings are spent on dividend by KINS. This is a low number and sustainable payout ratio.
DP3.47%
EPS Next 2Y-0.5%
EPS Next 3YN/A
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 2025 0 20M -20M 40M 60M
KINS Dividend Payout.KINS Dividend Payout, showing the Payout Ratio.KINS Dividend Payout.PayoutRetained Earnings

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KINS Fundamentals: All Metrics, Ratios and Statistics

KINGSTONE COS INC

NASDAQ:KINS (4/6/2026, 9:43:47 AM)

14.51

-0.03 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-06
Inst Owners53.72%
Inst Owner Change0%
Ins Owners13.16%
Ins Owner Change3.87%
Market Cap208.94M
Revenue(TTM)214.87M
Net Income(TTM)40.77M
Analysts82.86
Price Target21.93 (51.14%)
Short Float %3.74%
Short Ratio3.26
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP3.47%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.82%
Min EPS beat(2)0.8%
Max EPS beat(2)0.84%
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)7.68%
Min Revenue beat(2)-2.17%
Max Revenue beat(2)17.53%
Revenue beat(4)1
Avg Revenue beat(4)2.4%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)17.53%
Revenue beat(8)3
Avg Revenue beat(8)3.33%
Revenue beat(12)4
Avg Revenue beat(12)-4.22%
Revenue beat(16)7
Avg Revenue beat(16)0.25%
PT rev (1m)0%
PT rev (3m)-2.27%
EPS NQ rev (1m)-62.5%
EPS NQ rev (3m)-620%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)10.48%
Revenue NQ rev (3m)9.51%
Revenue NY rev (1m)12.4%
Revenue NY rev (3m)13.78%
Valuation
Industry RankSector Rank
PE 5.32
Fwd PE 6.62
P/S 0.97
P/FCF 2.86
P/OCF 2.75
P/B 1.7
P/tB 1.71
EV/EBITDA 3.72
EPS(TTM)2.73
EY18.81%
EPS(NY)2.19
Fwd EY15.11%
FCF(TTM)5.07
FCFY34.96%
OCF(TTM)5.27
OCFY36.31%
SpS14.92
BVpS8.52
TBVpS8.49
PEG (NY)N/A
PEG (5Y)0.05
Graham Number22.88
Profitability
Industry RankSector Rank
ROA 8.99%
ROE 33.22%
ROCE 11.76%
ROIC 9.33%
ROICexc 9.6%
ROICexgc 11.5%
OM 24.05%
PM (TTM) 18.97%
GM N/A
FCFM 34%
ROA(3y)3.98%
ROA(5y)0.54%
ROE(3y)14.29%
ROE(5y)-5.81%
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 5Y132.67%
ROICexc growth 3YN/A
ROICexc growth 5Y134.09%
OM growth 3YN/A
OM growth 5Y129.16%
PM growth 3YN/A
PM growth 5Y90.26%
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 0.08
Cap/Depr 109.68%
Cap/Sales 1.31%
Interest Coverage 32.53
Cash Conversion 139.9%
Profit Quality 179.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.25%
ROIC/WACC1.01
Cap/Depr(3y)88.86%
Cap/Depr(5y)108.25%
Cap/Sales(3y)1.36%
Cap/Sales(5y)2.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)92.25%
EPS 3YN/A
EPS 5Y100.03%
EPS Q2Q%134.78%
EPS Next Y-19.67%
EPS Next 2Y-0.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)38.5%
Revenue growth 3Y18.17%
Revenue growth 5Y10.34%
Sales Q2Q%27.11%
Revenue Next Year21.23%
Revenue Next 2Y19.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y90.66%
EBIT growth 3YN/A
EBIT growth 5Y152.84%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.91%
OCF growth 3YN/A
OCF growth 5YN/A

KINGSTONE COS INC / KINS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of KINGSTONE COS INC (KINS) stock?

ChartMill assigns a fundamental rating of 6 / 10 to KINS.


Can you provide the valuation status for KINGSTONE COS INC?

ChartMill assigns a valuation rating of 7 / 10 to KINGSTONE COS INC (KINS). This can be considered as Undervalued.


What is the profitability of KINS stock?

KINGSTONE COS INC (KINS) has a profitability rating of 6 / 10.


What are the PE and PB ratios of KINGSTONE COS INC (KINS) stock?

The Price/Earnings (PE) ratio for KINGSTONE COS INC (KINS) is 5.32 and the Price/Book (PB) ratio is 1.7.


Can you provide the dividend sustainability for KINS stock?

The dividend rating of KINGSTONE COS INC (KINS) is 3 / 10 and the dividend payout ratio is 3.47%.