16.94 USD
+0.13 (+0.77%)
16.94 USD
0 (0%)
Overall KINS gets a fundamental rating of 5 out of 10. We evaluated KINS against 147 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!
1. Profitability
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.
1.2 Ratios
With an excellent Return On Assets value of 7.34%, 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 29.21%, KINS belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
KINS's Return On Invested Capital of 7.69% is amongst the best of the industry. KINS outperforms 89.80% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of KINS (15.68%) is better than 80.27% of its industry peers.
The Operating Margin of KINS (20.17%) is better than 68.71% of its industry peers.
| Industry Rank | Sector 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
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.
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.
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's Debt to FCF ratio of 0.06 is amongst the best of the industry. KINS outperforms 94.56% 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.
KINS has a better Debt to Equity ratio (0.04) than 82.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.86
WACC8.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 90.09% over the past year.
The Revenue has grown by 34.02% in the past year. This is a very strong growth!
KINS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.35% yearly.
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 25.47% on average per year.
Based on estimates for the next years, KINS will show a quite strong growth in Revenue. The Revenue will grow by 18.85% on average per year.
EPS Next Y58.03%
EPS Next 2Y31.3%
EPS Next 3Y25.47%
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 8.03, which indicates a very decent valuation of KINS.
76.87% of the companies in the same industry are more expensive than KINS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of KINS to the average of the S&P500 Index (26.38), we can say KINS is valued rather cheaply.
KINS is valuated cheaply with a Price/Forward Earnings ratio of 6.92.
Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than 78.23% of the companies in the same industry.
KINS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.03 | ||
| Fwd PE | 6.92 |
4.2 Price Multiples
76.87% of the companies in the same industry are more expensive than KINS, based on the Enterprise Value to EBITDA ratio.
KINS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. KINS is cheaper than 81.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.27 | ||
| EV/EBITDA | 5.03 |
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.
A more expensive valuation may be justified as KINS's earnings are expected to grow with 25.47% in the coming years.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
5. Dividend
5.1 Amount
KINS has a Yearly Dividend Yield of 1.27%.
KINS's Dividend Yield is comparable with the industry average which is at 2.64.
Compared to the average S&P500 Dividend Yield of 1.87, KINS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
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
DPN/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
16.94
+0.13 (+0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners52.4%
Inst Owner Change8.53%
Ins Owners12.76%
Ins Owner Change2.82%
Market Cap239.70M
Revenue(TTM)200.55M
Net Income(TTM)31.45M
Analysts85.71
Price Target22.44 (32.47%)
Short Float %5.84%
Short Ratio4.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-3.57%
EPS NQ rev (3m)-3.57%
EPS NY rev (1m)0%
EPS NY rev (3m)10%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.03 | ||
| Fwd PE | 6.92 | ||
| P/S | 1.2 | ||
| P/FCF | 3.27 | ||
| P/OCF | 3.15 | ||
| P/B | 2.23 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | 5.03 |
EPS(TTM)2.11
EY12.46%
EPS(NY)2.45
Fwd EY14.45%
FCF(TTM)5.18
FCFY30.6%
OCF(TTM)5.37
OCFY31.73%
SpS14.17
BVpS7.61
TBVpS7.57
PEG (NY)0.14
PEG (5Y)N/A
Graham Number19.01
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.91%
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 2Y31.3%
EPS Next 3Y25.47%
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 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 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 5 / 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 8.03 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.