KINGSTONE COS INC (KINS) Fundamental Analysis & Valuation

NASDAQ:KINS • US4967191051

Current stock price

17.6 USD
+0.18 (+1.03%)
Last:

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

6

1. KINS Profitability Analysis

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.
  • 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 2025 0 20M -20M 40M 60M

1.2 Ratios

  • With an excellent Return On Assets value of 8.99%, KINS belongs to the best of the industry, outperforming 93.20% of the companies in the same industry.
  • With an excellent Return On Equity value of 33.22%, KINS belongs to the best of the industry, outperforming 95.92% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 9.33%, KINS belongs to the best of the industry, outperforming 89.80% of the companies in the same industry.
Industry RankSector Rank
ROA 8.99%
ROE 33.22%
ROIC 9.33%
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 Profit Margin of 18.97%. This is amongst the best in the industry. KINS outperforms 80.95% of its industry peers.
  • In the last couple of years the Profit Margin of KINS has grown nicely.
  • KINS has a Operating Margin of 24.05%. This is amongst the best in the industry. KINS outperforms 82.99% of its industry peers.
  • KINS's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 24.05%
PM (TTM) 18.97%
GM N/A
OM growth 3YN/A
OM growth 5Y129.16%
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) just above the Cost of Capital (WACC), KINS is creating some value.
  • The number of shares outstanding for KINS has been increased compared to 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

  • 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.
  • With an excellent Debt to FCF ratio value of 0.06, KINS belongs to the best of the industry, outperforming 92.52% of the companies in the same industry.
  • 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 84.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.06
Altman-Z N/A
ROIC/WACC1.02
WACC9.16%
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 15M

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

7

3. KINS Growth Analysis

3.1 Past

  • KINS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.25%, which is quite impressive.
  • The Earnings Per Share has been growing by 100.03% on average over the past years. This is a very strong growth
  • KINS shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.50%.
  • The Revenue has been growing by 10.34% on average over the past years. This is quite good.
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 small growth in Earnings Per Share. The EPS will grow by 4.09% on average per year.
  • The Revenue is expected to grow by 19.63% on average over the next years. This is quite good.
EPS Next Y-14.07%
EPS Next 2Y4.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.23%
Revenue Next 2Y19.63%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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 100M 200M 300M
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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6

4. KINS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.45, the valuation of KINS can be described as very cheap.
  • KINS's Price/Earnings ratio is a bit cheaper when compared to the industry. KINS is cheaper than 75.51% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. KINS is valued rather cheaply when compared to this.
  • KINS is valuated cheaply with a Price/Forward Earnings ratio of 7.50.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of KINS indicates a somewhat cheap valuation: KINS is cheaper than 74.83% of the companies listed 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 22.24.
Industry RankSector Rank
PE 6.45
Fwd PE 7.5
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 79.59% of the companies in the same industry.
  • KINS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. KINS is cheaper than 78.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.49
EV/EBITDA 4.51
KINS Per share dataKINS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • KINS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y4.09%
EPS Next 3YN/A

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

3

5. KINS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.08%, KINS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.37, KINS has a dividend in line with its industry peers.
  • With a Dividend Yield of 1.08, KINS pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.08%

5.2 History

  • The dividend of KINS decreases each year by -20.48%.
  • KINS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-20.48%
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

  • KINS pays out 3.47% of its income as dividend. This is a sustainable payout ratio.
DP3.47%
EPS Next 2Y4.09%
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 60M
KINS Dividend Payout.KINS Dividend Payout, showing the Payout Ratio.KINS Dividend Payout.PayoutRetained Earnings

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KINS Fundamentals: All Metrics, Ratios and Statistics

KINGSTONE COS INC

NASDAQ:KINS (4/24/2026, 8:00:02 PM)

17.6

+0.18 (+1.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-07
Inst Owners52.3%
Inst Owner Change0.82%
Ins Owners11.62%
Ins Owner Change3.22%
Market Cap254.85M
Revenue(TTM)214.87M
Net Income(TTM)40.77M
Analysts82.86
Price Target21.93 (24.6%)
Short Float %3.66%
Short Ratio3.78
Dividend
Industry RankSector Rank
Dividend Yield 1.08%
Yearly Dividend0.1
Dividend Growth(5Y)-20.48%
DP3.47%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.82%
Min EPS beat(2)0.8%
Max EPS beat(2)0.84%
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)7.68%
Min Revenue beat(2)-2.17%
Max Revenue beat(2)17.53%
Revenue beat(4)1
Avg Revenue beat(4)2.4%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)17.53%
Revenue beat(8)3
Avg Revenue beat(8)3.33%
Revenue beat(12)4
Avg Revenue beat(12)-4.22%
Revenue beat(16)7
Avg Revenue beat(16)0.25%
PT rev (1m)0%
PT rev (3m)-2.27%
EPS NQ rev (1m)-62.5%
EPS NQ rev (3m)-620%
EPS NY rev (1m)6.98%
EPS NY rev (3m)-4.17%
Revenue NQ rev (1m)10.48%
Revenue NQ rev (3m)9.51%
Revenue NY rev (1m)12.4%
Revenue NY rev (3m)13.78%
Valuation
Industry RankSector Rank
PE 6.45
Fwd PE 7.5
P/S 1.19
P/FCF 3.49
P/OCF 3.36
P/B 2.08
P/tB 2.08
EV/EBITDA 4.51
EPS(TTM)2.73
EY15.51%
EPS(NY)2.35
Fwd EY13.33%
FCF(TTM)5.05
FCFY28.66%
OCF(TTM)5.24
OCFY29.77%
SpS14.84
BVpS8.48
TBVpS8.44
PEG (NY)N/A
PEG (5Y)0.06
Graham Number22.8174 (29.64%)
Profitability
Industry RankSector Rank
ROA 8.99%
ROE 33.22%
ROCE 11.76%
ROIC 9.33%
ROICexc 9.6%
ROICexgc 11.5%
OM 24.05%
PM (TTM) 18.97%
GM N/A
FCFM 34%
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 5Y132.67%
ROICexc growth 3YN/A
ROICexc growth 5Y134.09%
OM growth 3YN/A
OM growth 5Y129.16%
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 0.08
Cap/Depr 109.68%
Cap/Sales 1.31%
Interest Coverage 32.53
Cash Conversion 139.9%
Profit Quality 179.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.16%
ROIC/WACC1.02
Cap/Depr(3y)88.86%
Cap/Depr(5y)108.25%
Cap/Sales(3y)1.36%
Cap/Sales(5y)2.07%
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-14.07%
EPS Next 2Y4.09%
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 Year21.23%
Revenue Next 2Y19.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y90.66%
EBIT growth 3YN/A
EBIT growth 5Y152.84%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y31.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.91%
OCF growth 3YN/A
OCF growth 5YN/A

KINGSTONE COS INC / KINS Fundamental Analysis 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 6 / 10 to KINGSTONE COS INC (KINS). This can be considered as Fairly Valued.


What is the profitability of KINS stock?

KINGSTONE COS INC (KINS) has a profitability rating of 6 / 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 6.45 and the Price/Book (PB) ratio is 2.08.


Can you provide the dividend sustainability for KINS stock?

The dividend rating of KINGSTONE COS INC (KINS) is 3 / 10 and the dividend payout ratio is 3.47%.