KINGSTONE COS INC (KINS) Stock Fundamental Analysis
USA - NASDAQ:KINS - US4967191051 - Common Stock
14.29 USD
+0.2 (+1.42%)
Taking everything into account, KINS scores 5 out of 10 in our fundamental rating. KINS was compared to 147 industry peers in the Insurance industry. KINS has an average financial health and profitability rating. KINS may be a bit undervalued, certainly considering the very reasonable score on growth
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.
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
With an excellent Return On Assets value of 7.00%, KINS belongs to the best of the industry, outperforming 91.84% of the companies in the same industry.
Looking at the Return On Equity, with a value of 29.04%, KINS belongs to the top of the industry, outperforming 94.56% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 7.62%, KINS belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
| 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
The Profit Margin of KINS (14.84%) is better than 78.23% of its industry peers.
KINS has a Operating Margin of 19.90%. This is in the better half of the industry: KINS outperforms 76.19% 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.
Compared to 1 year ago, KINS has more shares outstanding
KINS has more shares outstanding than it did 5 years ago.
KINS has a better debt/assets ratio than last year.
2.2 Solvency
KINS has a debt to FCF ratio of 0.07. This is a very positive value and a sign of high solvency as it would only need 0.07 years to pay back of all of its debts.
KINS has a better Debt to FCF ratio (0.07) than 93.20% of its industry peers.
KINS has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
KINS has a better Debt to Equity ratio (0.05) than 80.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | N/A |
ROIC/WACC0.85
WACC8.94%
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.
KINS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.60%.
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)7.6%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%54.05%
3.2 Future
KINS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.15% yearly.
KINS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.85% yearly.
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
The Price/Earnings ratio is 6.77, which indicates a rather cheap valuation of KINS.
77.55% 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 25.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 6.09, which 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 77.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. KINS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.77 | ||
| Fwd PE | 6.09 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, KINS is valued cheaper than 81.63% of the companies in the same industry.
83.67% 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 | 2.92 | ||
| EV/EBITDA | 4.4 |
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 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
With a Yearly Dividend Yield of 1.36%, KINS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, KINS has a dividend in line with its industry peers.
With a Dividend Yield of 1.36, KINS pays less dividend than the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
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 (11/19/2025, 2:58:29 PM)
14.29
+0.2 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48.06%
Inst Owner Change8.56%
Ins Owners12.76%
Ins Owner Change4.89%
Market Cap202.06M
Revenue(TTM)155.14M
Net Income(TTM)27.55M
Analysts85.71
Price Target22.44 (57.03%)
Short Float %6.67%
Short Ratio5.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
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)16.39%
EPS NQ rev (3m)9.23%
EPS NY rev (1m)4.76%
EPS NY rev (3m)10%
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)-2.42%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.77 | ||
| Fwd PE | 6.09 | ||
| P/S | 1.09 | ||
| P/FCF | 2.92 | ||
| P/OCF | 2.81 | ||
| P/B | 2.13 | ||
| P/tB | 2.14 | ||
| EV/EBITDA | 4.4 |
EPS(TTM)2.11
EY14.77%
EPS(NY)2.35
Fwd EY16.42%
FCF(TTM)4.89
FCFY34.21%
OCF(TTM)5.08
OCFY35.57%
SpS13.13
BVpS6.71
TBVpS6.67
PEG (NY)0.12
PEG (5Y)N/A
Graham Number17.85
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
WACC8.94%
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 2Y28.53%
EPS Next 3Y23.15%
EPS Next 5YN/A
Revenue 1Y (TTM)7.6%
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 6.77 and the Price/Book (PB) ratio is 2.13.
How financially healthy is KINGSTONE COS INC?
The financial health rating of KINGSTONE COS INC (KINS) is 4 / 10.