KINGSTONE COS INC (KINS) Stock Fundamental Analysis
NASDAQ:KINS - Nasdaq - US4967191051 - Common Stock - Currency: USD
Overall KINS gets a fundamental rating of 5 out of 10. We evaluated KINS against 145 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.
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
KINS has a better Return On Assets (5.40%) than 88.97% of its industry peers.
KINS has a better Return On Equity (25.32%) than 93.10% of its industry peers.
KINS has a better Return On Invested Capital (6.23%) than 87.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.4% | ||
| ROE | 25.32% | ||
| ROIC | 6.23% |
ROA(3y)-1.36%
ROA(5y)-1.2%
ROE(3y)-17.5%
ROE(5y)-12.24%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
KINS's Profit Margin of 12.25% is fine compared to the rest of the industry. KINS outperforms 73.10% of its industry peers.
Looking at the Operating Margin, with a value of 17.32%, KINS is in the better half of the industry, outperforming 75.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.32% | ||
| PM (TTM) | 12.25% | ||
| 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
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.
Compared to 5 years ago, KINS has more shares outstanding
Compared to 1 year ago, KINS has an improved debt to assets ratio.
2.2 Solvency
KINS has a debt to FCF ratio of 0.08. This is a very positive value and a sign of high solvency as it would only need 0.08 years to pay back of all of its debts.
KINS has a better Debt to FCF ratio (0.08) than 92.41% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that KINS is not too dependend on debt financing.
KINS has a better Debt to Equity ratio (0.07) than 80.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.08 | ||
| Altman-Z | N/A |
ROIC/WACC0.68
WACC9.22%
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 1481.82%, which is quite impressive.
The Revenue has grown by 18.52% in the past year. This is quite good.
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)1481.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%142.86%
Revenue 1Y (TTM)18.52%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%70.56%
3.2 Future
The Earnings Per Share is expected to grow by 32.66% on average over the next years. This is a very strong growth
KINS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.19% yearly.
EPS Next Y43.66%
EPS Next 2Y32.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year39.52%
Revenue Next 2Y25.19%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 9.51, the valuation of KINS can be described as reasonable.
KINS's Price/Earnings ratio is a bit cheaper when compared to the industry. KINS is cheaper than 67.59% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.41. KINS is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.78, the valuation of KINS can be described as very cheap.
76.55% of the companies in the same industry are more expensive than KINS, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, KINS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 5.78 |
4.2 Price Multiples
77.93% of the companies in the same industry are more expensive than KINS, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, KINS is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.02 | ||
| EV/EBITDA | 5.36 |
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 32.66% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y32.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
KINS has a Yearly Dividend Yield of 5.25%, which is a nice return.
KINS's Dividend Yield is a higher than the industry average which is at 3.76.
KINS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
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
DP0%
EPS Next 2Y32.66%
EPS Next 3YN/A
NASDAQ:KINS (7/14/2025, 2:06:48 PM)
14.45
-0.05 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.1%
Inst Owner Change0%
Ins Owners9.77%
Ins Owner Change3.48%
Market Cap202.44M
Analysts85.71
Price Target22.44 (55.29%)
Short Float %3.05%
Short Ratio0.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-2.28%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.66%
Revenue beat(4)1
Avg Revenue beat(4)-4.96%
Min Revenue beat(4)-51.81%
Max Revenue beat(4)36.55%
Revenue beat(8)3
Avg Revenue beat(8)-7.11%
Revenue beat(12)5
Avg Revenue beat(12)-2.09%
Revenue beat(16)8
Avg Revenue beat(16)0.33%
PT rev (1m)0%
PT rev (3m)15.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.78%
EPS NY rev (1m)5.26%
EPS NY rev (3m)11.11%
Revenue NQ rev (1m)-1.5%
Revenue NQ rev (3m)-1.5%
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 5.78 | ||
| P/S | 1.19 | ||
| P/FCF | 3.02 | ||
| P/OCF | 2.9 | ||
| P/B | 2.46 | ||
| P/tB | 2.48 | ||
| EV/EBITDA | 5.36 |
EPS(TTM)1.52
EY10.52%
EPS(NY)2.5
Fwd EY17.29%
FCF(TTM)4.79
FCFY33.12%
OCF(TTM)4.98
OCFY34.43%
SpS12.13
BVpS5.87
TBVpS5.83
PEG (NY)0.22
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.4% | ||
| ROE | 25.32% | ||
| ROCE | 7.91% | ||
| ROIC | 6.23% | ||
| ROICexc | 6.93% | ||
| ROICexgc | 8.69% | ||
| OM | 17.32% | ||
| PM (TTM) | 12.25% | ||
| GM | N/A | ||
| FCFM | 39.47% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.08 | ||
| Debt/EBITDA | 0.17 | ||
| Cap/Depr | 107.41% | ||
| Cap/Sales | 1.57% | ||
| Interest Coverage | 7.75 | ||
| Cash Conversion | 218.54% | ||
| Profit Quality | 322.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC9.22%
ROIC/WACC0.68
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)1481.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%142.86%
EPS Next Y43.66%
EPS Next 2Y32.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.52%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%70.56%
Revenue Next Year39.52%
Revenue Next 2Y25.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y522.43%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y594.79%
FCF growth 3Y40.97%
FCF growth 5Y16.49%
OCF growth 1Y432.11%
OCF growth 3Y33.51%
OCF growth 5Y14.18%