KINGSTONE COS INC (KINS) Fundamental Analysis & Valuation

NASDAQ:KINS • US4967191051

15.2 USD
+0.09 (+0.6%)
At close: Mar 13, 2026
15.2 USD
0 (0%)
After Hours: 3/13/2026, 8:00:02 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

5

We assign a fundamental rating of 5 out of 10 to KINS. KINS was compared to 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!


Dividend Valuation Growth Profitability Health

6

1. KINS Profitability Analysis

1.1 Basic Checks

  • KINS had positive earnings in the past year.
  • In the past year KINS had a positive cash flow from operations.
  • In multiple years KINS reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: KINS reported negative operating cash flow in multiple 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

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.
  • The Return On Equity of KINS (29.21%) is better than 94.63% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.74%, KINS belongs to the top of the industry, outperforming 88.59% of the companies in the same industry.
Industry RankSector Rank
ROA 7.34%
ROE 29.21%
ROIC 7.74%
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

  • KINS has a better Profit Margin (15.68%) than 79.19% of its industry peers.
  • KINS's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 20.17%, KINS is in the better half of the industry, outperforming 74.50% of the companies in the same industry.
  • KINS's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.17%
PM (TTM) 15.68%
GM N/A
OM growth 3YN/A
OM growth 5Y129%
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KINS is destroying value.
  • KINS has more shares outstanding than it did 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.
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 Debt to FCF ratio of 0.06. This is amongst the best in the industry. KINS outperforms 94.63% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that KINS is not too dependend on debt financing.
  • The Debt to Equity ratio of KINS (0.04) is better than 83.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACC0.85
WACC9.07%
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

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

6

3. KINS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 92.25% over the past year.
  • 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.
  • Looking at the last year, KINS shows a very strong growth in Revenue. The Revenue has grown by 38.50%.
  • KINS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.34% yearly.
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

  • Based on estimates for the next years, KINS will show a decrease in Earnings Per Share. The EPS will decrease by -0.50% on average per year.
  • The Revenue is expected to grow by 11.37% 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 Year7.85%
Revenue Next 2Y11.37%
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 stable: in the next years the growth will be about the same 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 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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Find the best growth stocksShow best growing peers

7

4. KINS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.57, which 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 79.87% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. KINS is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 6.93, the valuation of KINS can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than the industry average as 74.50% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.84. KINS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.57
Fwd PE 6.93
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

  • KINS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. KINS is cheaper than 77.85% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of KINS indicates a rather cheap valuation: KINS is cheaper than 81.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.93
EV/EBITDA 4.47
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)0.06
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 1.32%, KINS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.79, KINS has a dividend in line with its industry peers.
  • KINS's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.32%

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 2025 0 20M -20M 40M

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KINS Fundamentals: All Metrics, Ratios and Statistics

KINGSTONE COS INC

NASDAQ:KINS (3/13/2026, 8:00:02 PM)

After market: 15.2 0 (0%)

15.2

+0.09 (+0.6%)

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 Cap215.08M
Revenue(TTM)214.87M
Net Income(TTM)31.45M
Analysts82.86
Price Target21.93 (44.28%)
Short Float %3.88%
Short Ratio3.05
Dividend
Industry RankSector Rank
Dividend Yield 1.32%
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 5.57
Fwd PE 6.93
P/S 1.07
P/FCF 2.93
P/OCF 2.83
P/B 2
P/tB 2.01
EV/EBITDA 4.47
EPS(TTM)2.73
EY17.96%
EPS(NY)2.19
Fwd EY14.43%
FCF(TTM)5.18
FCFY34.11%
OCF(TTM)5.37
OCFY35.36%
SpS14.17
BVpS7.61
TBVpS7.57
PEG (NY)N/A
PEG (5Y)0.06
Graham Number21.62
Profitability
Industry RankSector Rank
ROA 7.34%
ROE 29.21%
ROCE 9.76%
ROIC 7.74%
ROICexc 8.28%
ROICexgc 10.17%
OM 20.17%
PM (TTM) 15.68%
GM N/A
FCFM 36.58%
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 5Y132.36%
ROICexc growth 3YN/A
ROICexc growth 5Y133.79%
OM growth 3YN/A
OM growth 5Y129%
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 0.11
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
WACC9.07%
ROIC/WACC0.85
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Year7.85%
Revenue Next 2Y11.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.86%
EBIT growth 3YN/A
EBIT growth 5Y152.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y97.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y93.08%
OCF growth 3YN/A
OCF growth 5YN/A

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 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 6 / 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 5.57 and the Price/Book (PB) ratio is 2.


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.