KINGSTONE COS INC (KINS) Stock Fundamental Analysis
USA - NASDAQ:KINS - US4967191051 - Common Stock
14.84 USD
+0.02 (+0.13%)
14.84 USD
0 (0%)
Taking everything into account, KINS scores 5 out of 10 in our fundamental rating. KINS was compared to 146 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
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 7.00%, KINS belongs to the best of the industry, outperforming 92.47% of the companies in the same industry.
KINS has a better Return On Equity (29.04%) than 95.89% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.62%, KINS belongs to the top of the industry, outperforming 89.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7% | ||
| ROE | 29.04% | ||
| ROIC | 7.62% |
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
Looking at the Profit Margin, with a value of 14.84%, KINS is in the better half of the industry, outperforming 79.45% of the companies in the same industry.
KINS has a Operating Margin of 19.90%. This is in the better half of the industry: KINS outperforms 76.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.9% | ||
| PM (TTM) | 14.84% | ||
| 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.
Compared to 1 year ago, KINS has more shares outstanding
The number of shares outstanding for KINS has been increased compared to 5 years ago.
The debt/assets ratio for KINS has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of KINS is 0.07, which is an excellent value as it means it would take KINS, only 0.07 years of fcf income to pay off all of its debts.
KINS's Debt to FCF ratio of 0.07 is amongst the best of the industry. KINS outperforms 92.47% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that KINS is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.05, KINS belongs to the best of the industry, outperforming 80.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | N/A |
ROIC/WACC0.85
WACC8.92%
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.
Looking at the last year, KINS shows a small growth in Revenue. The Revenue has grown by 7.60% in the last year.
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)7.6%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%170.87%
3.2 Future
The Earnings Per Share is expected to grow by 23.15% on average over the next years. This is a very strong growth
KINS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.85% yearly.
EPS Next Y58.03%
EPS Next 2Y28.53%
EPS Next 3Y23.15%
EPS Next 5YN/A
Revenue Next Year36.15%
Revenue Next 2Y21.61%
Revenue Next 3Y18.85%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
KINS is valuated cheaply with a Price/Earnings ratio of 7.03.
74.66% of the companies in the same industry are more expensive than KINS, based on the Price/Earnings ratio.
KINS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
KINS is valuated cheaply with a Price/Forward Earnings ratio of 6.33.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KINS indicates a somewhat cheap valuation: KINS is cheaper than 78.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, KINS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 6.33 |
4.2 Price Multiples
79.45% 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 cheaply inside the industry as 81.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.04 | ||
| EV/EBITDA | 4.59 |
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 23.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y28.53%
EPS Next 3Y23.15%
5. Dividend
5.1 Amount
KINS has a Yearly Dividend Yield of 1.35%.
KINS's Dividend Yield is comparable with the industry average which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.39, KINS's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
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
DP0%
EPS Next 2Y28.53%
EPS Next 3Y23.15%
14.84
+0.02 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48.06%
Inst Owner Change-3.04%
Ins Owners12.76%
Ins Owner Change4.02%
Market Cap209.84M
Revenue(TTM)155.14M
Net Income(TTM)27.55M
Analysts85.71
Price Target22.44 (51.21%)
Short Float %8.03%
Short Ratio5.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-2.89%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-2.87%
Revenue beat(4)0
Avg Revenue beat(4)-14.81%
Min Revenue beat(4)-51.81%
Max Revenue beat(4)-1.66%
Revenue beat(8)3
Avg Revenue beat(8)-7.04%
Revenue beat(12)5
Avg Revenue beat(12)-1.59%
Revenue beat(16)7
Avg Revenue beat(16)-0.17%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)16.39%
EPS NQ rev (3m)9.23%
EPS NY rev (1m)4.76%
EPS NY rev (3m)10%
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)-2.42%
Revenue NY rev (3m)-2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 6.33 | ||
| P/S | 1.13 | ||
| P/FCF | 3.04 | ||
| P/OCF | 2.92 | ||
| P/B | 2.21 | ||
| P/tB | 2.22 | ||
| EV/EBITDA | 4.59 |
EPS(TTM)2.11
EY14.22%
EPS(NY)2.35
Fwd EY15.81%
FCF(TTM)4.89
FCFY32.94%
OCF(TTM)5.08
OCFY34.25%
SpS13.13
BVpS6.71
TBVpS6.67
PEG (NY)0.12
PEG (5Y)N/A
Graham Number17.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7% | ||
| ROE | 29.04% | ||
| ROCE | 9.67% | ||
| ROIC | 7.62% | ||
| ROICexc | 8.36% | ||
| ROICexgc | 10.3% | ||
| OM | 19.9% | ||
| PM (TTM) | 14.84% | ||
| GM | N/A | ||
| FCFM | 37.23% |
ROA(3y)-1.36%
ROA(5y)-1.2%
ROE(3y)-17.5%
ROE(5y)-12.24%
ROIC(3y)N/A
ROIC(5y)N/A
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 | 0.05 | ||
| Debt/FCF | 0.07 | ||
| Debt/EBITDA | 0.13 | ||
| Cap/Depr | 110.92% | ||
| Cap/Sales | 1.48% | ||
| Interest Coverage | 14.75 | ||
| Cash Conversion | 182.28% | ||
| Profit Quality | 250.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.92%
ROIC/WACC0.85
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 2Y28.53%
EPS Next 3Y23.15%
EPS Next 5YN/A
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-1.27%
Revenue growth 5Y1.35%
Sales Q2Q%170.87%
Revenue Next Year36.15%
Revenue Next 2Y21.61%
Revenue Next 3Y18.85%
Revenue Next 5YN/A
EBIT growth 1Y236.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1070.86%
FCF growth 3Y40.97%
FCF growth 5Y16.49%
OCF growth 1Y1807%
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 4 / 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 7.03 and the Price/Book (PB) ratio is 2.21.
How financially healthy is KINGSTONE COS INC?
The financial health rating of KINGSTONE COS INC (KINS) is 4 / 10.