17.31 USD
-0.07 (-0.4%)
17.31 USD
0 (0%)
KINS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. KINS has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on KINS.
1. Profitability
1.1 Basic Checks
In the past year KINS was profitable.
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.
1.2 Ratios
With an excellent Return On Assets value of 7.34%, KINS belongs to the best of the industry, outperforming 91.89% 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 95.27% of its industry peers.
KINS's Return On Invested Capital of 7.69% is amongst the best of the industry. KINS outperforms 89.86% 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
KINS has a better Profit Margin (15.68%) than 80.41% of its industry peers.
KINS has a Operating Margin of 20.17%. This is in the better half of the industry: KINS outperforms 68.92% 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.
KINS has a better debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 0.06, KINS belongs to the top of the industry, outperforming 94.59% of the companies in the same industry.
A Debt/Equity ratio of 0.04 indicates that KINS is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.04, KINS belongs to the best of the industry, outperforming 83.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.86
WACC8.94%
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!
Measured over the past years, KINS shows a small growth in Revenue. The Revenue has been growing by 1.35% on average per year.
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
KINS is valuated reasonably with a Price/Earnings ratio of 8.20.
74.32% of the companies in the same industry are more expensive than KINS, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.57. KINS is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.07, the valuation of KINS can be described as very cheap.
Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than 77.70% of the companies in the same industry.
KINS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.2 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
KINS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. KINS is cheaper than 77.03% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, KINS is valued cheaper than 80.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.34 | ||
| EV/EBITDA | 5.21 |
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 25.47% in the coming years. This may justify a more expensive valuation.
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 1.19%. Purely for dividend investing, there may be better candidates out there.
KINS's Dividend Yield is comparable with the industry average which is at 2.30.
Compared to the average S&P500 Dividend Yield of 1.88, KINS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.19% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
17.31
-0.07 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners52.4%
Inst Owner Change8.7%
Ins Owners12.76%
Ins Owner Change2.3%
Market Cap244.94M
Revenue(TTM)200.55M
Net Income(TTM)31.45M
Analysts85.71
Price Target22.44 (29.64%)
Short Float %5.84%
Short Ratio4.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.19% |
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 | 8.2 | ||
| Fwd PE | 7.07 | ||
| P/S | 1.22 | ||
| P/FCF | 3.34 | ||
| P/OCF | 3.22 | ||
| P/B | 2.28 | ||
| P/tB | 2.29 | ||
| EV/EBITDA | 5.21 |
EPS(TTM)2.11
EY12.19%
EPS(NY)2.45
Fwd EY14.14%
FCF(TTM)5.18
FCFY29.95%
OCF(TTM)5.37
OCFY31.05%
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
WACC8.94%
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 8.2 and the Price/Book (PB) ratio is 2.28.
How financially healthy is KINGSTONE COS INC?
The financial health rating of KINGSTONE COS INC (KINS) is 4 / 10.