14.93 USD
-0.05 (-0.33%)
Taking everything into account, KINS scores 5 out of 10 in our fundamental rating. KINS was compared to 148 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.
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.
In multiple years KINS reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of KINS (7.00%) is better than 90.54% of its industry peers.
The Return On Equity of KINS (29.04%) is better than 93.92% of its industry peers.
KINS has a Return On Invested Capital of 7.62%. This is amongst the best in the industry. KINS outperforms 89.86% 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 Profit Margin of 14.84%. This is in the better half of the industry: KINS outperforms 77.70% of its industry peers.
KINS's Operating Margin of 19.90% is fine compared to the rest of the industry. KINS outperforms 70.95% 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
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.
The number of shares outstanding for KINS has been increased compared to 1 year ago.
Compared to 5 years ago, KINS has more shares outstanding
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.
With an excellent Debt to FCF ratio value of 0.07, KINS belongs to the best of the industry, outperforming 93.24% of the companies in the same industry.
KINS has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
KINS's Debt to Equity ratio of 0.05 is amongst the best of the industry. KINS outperforms 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | N/A |
ROIC/WACC0.86
WACC8.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
KINS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 90.09%, which is quite impressive.
Looking at the last year, KINS shows a very strong growth in Revenue. 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 23.15% on average per year.
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 2Y28.53%
EPS Next 3Y23.15%
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
Based on the Price/Earnings ratio of 7.08, the valuation of KINS can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of KINS indicates a somewhat cheap valuation: KINS is cheaper than 77.70% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of KINS to the average of the S&P500 Index (26.37), we can say KINS is valued rather cheaply.
The Price/Forward Earnings ratio is 6.36, 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 77.70% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.20, KINS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.08 | ||
| Fwd PE | 6.36 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, KINS is valued a bit cheaper than 79.05% of the companies in the same industry.
KINS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. KINS is cheaper than 83.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.06 | ||
| EV/EBITDA | 4.65 |
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.
KINS's earnings are expected to grow with 23.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y28.53%
EPS Next 3Y23.15%
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.
KINS's Dividend Yield is comparable with the industry average which is at 3.32.
Compared to an average S&P500 Dividend Yield of 2.32, KINS's dividend is way lower than the S&P500 average.
| 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
DP0%
EPS Next 2Y28.53%
EPS Next 3Y23.15%
NASDAQ:KINS (12/4/2025, 12:25:05 PM)
14.93
-0.05 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48.06%
Inst Owner Change8.53%
Ins Owners12.76%
Ins Owner Change2.82%
Market Cap211.26M
Revenue(TTM)200.55M
Net Income(TTM)27.55M
Analysts85.71
Price Target22.44 (50.3%)
Short Float %6.62%
Short Ratio5.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)9.23%
EPS NY rev (1m)0%
EPS NY rev (3m)10%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.08 | ||
| Fwd PE | 6.36 | ||
| P/S | 1.14 | ||
| P/FCF | 3.06 | ||
| P/OCF | 2.94 | ||
| P/B | 2.23 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | 4.65 |
EPS(TTM)2.11
EY14.13%
EPS(NY)2.35
Fwd EY15.71%
FCF(TTM)4.89
FCFY32.72%
OCF(TTM)5.08
OCFY34.02%
SpS13.12
BVpS6.71
TBVpS6.67
PEG (NY)0.12
PEG (5Y)N/A
Graham Number17.84
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
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 | 0.05 | ||
| 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
WACC8.9%
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)90.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%46%
EPS Next Y58.03%
EPS Next 2Y28.53%
EPS Next 3Y23.15%
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 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 FAQ
What is the ChartMill fundamental rating of KINGSTONE COS INC (KINS) stock?
ChartMill assigns a fundamental rating of 5 / 10 to KINS.
What is the valuation status for KINS stock?
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 are the PE and PB ratios of KINGSTONE COS INC (KINS) stock?
The Price/Earnings (PE) ratio for KINGSTONE COS INC (KINS) is 7.08 and the Price/Book (PB) ratio is 2.23.
How financially healthy is KINGSTONE COS INC?
The financial health rating of KINGSTONE COS INC (KINS) is 4 / 10.