KINGSTONE COS INC (KINS) Fundamental Analysis & Valuation

NASDAQ:KINS • US4967191051

15.16 USD
-0.21 (-1.37%)
At close: Mar 10, 2026
15.16 USD
0 (0%)
After Hours: 3/10/2026, 5:50:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Taking everything into account, KINS scores 4 out of 10 in our fundamental rating. KINS was compared to 149 industry peers in the Insurance industry. KINS has an average financial health and profitability rating. KINS has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

4

1. KINS Profitability Analysis

1.1 Basic Checks

  • In the past year KINS was profitable.
  • In the past year KINS had a positive cash flow from operations.
  • In the past 5 years KINS reported 4 times negative net income.
  • 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 0 20M -20M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 7.34%, KINS belongs to the top of the industry, outperforming 91.95% of the companies in the same industry.
  • KINS has a Return On Equity of 29.21%. This is amongst the best in the industry. KINS outperforms 94.63% of its industry peers.
  • KINS has a Return On Invested Capital of 7.69%. This is amongst the best in the industry. KINS outperforms 88.59% 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

  • KINS has a better Profit Margin (15.68%) than 79.19% of its industry peers.
  • 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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4

2. KINS Health Analysis

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

  • The Debt to FCF ratio of KINS is 0.06, which is an excellent value as it means it would take KINS, only 0.06 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of KINS (0.06) is better than 94.63% 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.
  • With an excellent Debt to Equity ratio value of 0.04, KINS belongs to the best of the industry, outperforming 83.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACC0.86
WACC8.93%
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

3

3. KINS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 92.25% over the past year.
EPS 1Y (TTM)92.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%134.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.16%

3.2 Future

  • KINS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.50% yearly.
  • KINS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.37% yearly.
EPS Next Y-19.67%
EPS Next 2Y-0.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.85%
Revenue Next 2Y11.37%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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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7

4. KINS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.55, which indicates a rather cheap valuation of KINS.
  • 80.54% of the companies in the same industry are more expensive than KINS, based on the Price/Earnings ratio.
  • KINS is valuated cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 6.91 indicates a rather cheap valuation of KINS.
  • KINS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. KINS is cheaper than 74.50% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. KINS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.55
Fwd PE 6.91
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

  • 77.85% of the companies in the same industry are more expensive than KINS, based on the Enterprise Value to EBITDA ratio.
  • 81.88% 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 2.92
EV/EBITDA 4.55
KINS Per share dataKINS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.5%
EPS Next 3YN/A

More info and screens

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

3

5. KINS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.28%, KINS has a reasonable but not impressive dividend return.
  • KINS's Dividend Yield is comparable with the industry average which is at 2.89.
  • Compared to the average S&P500 Dividend Yield of 1.82, KINS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.28%

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 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 0 20M -20M 40M

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KINS Fundamentals: All Metrics, Ratios and Statistics

KINGSTONE COS INC

NASDAQ:KINS (3/10/2026, 5:50:16 PM)

After market: 15.16 0 (0%)

15.16

-0.21 (-1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-06
Inst Owners53.72%
Inst Owner Change5.48%
Ins Owners13.16%
Ins Owner Change3.89%
Market Cap214.51M
Revenue(TTM)N/A
Net Income(TTM)31.45M
Analysts82.86
Price Target21.93 (44.66%)
Short Float %3.88%
Short Ratio3.05
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
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)23.64%
EPS NY rev (3m)23.64%
Revenue NQ rev (1m)-1.71%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)1.95%
Revenue NY rev (3m)1.95%
Valuation
Industry RankSector Rank
PE 5.55
Fwd PE 6.91
P/S 1.07
P/FCF 2.92
P/OCF 2.82
P/B 1.99
P/tB 2
EV/EBITDA 4.55
EPS(TTM)2.73
EY18.01%
EPS(NY)2.19
Fwd EY14.47%
FCF(TTM)5.18
FCFY34.2%
OCF(TTM)5.37
OCFY35.45%
SpS14.17
BVpS7.61
TBVpS7.57
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.62
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
WACC8.93%
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)92.25%
EPS 3YN/A
EPS 5YN/A
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.16%
Revenue Next Year7.85%
Revenue Next 2Y11.37%
Revenue Next 3YN/A
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 4 / 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.


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 5.55 and the Price/Book (PB) ratio is 1.99.


Can you provide the expected EPS growth for KINS stock?

The Earnings per Share (EPS) of KINGSTONE COS INC (KINS) is expected to decline by -19.67% in the next year.