KINS Fundamental Analysis - KINGSTONE COS INC

Fundamental Rating

KINS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. There are concerns on the financial health of KINS while its profitability can be described as average. KINS is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

1.1 Basic Checks

KINS had positive earnings in the past year.

KINS had a positive operating cash flow in the past year.

In multiple years KINS reported negative net income over the last 5 years.

In multiple years KINS reported negative operating cash flow during the last 5 years.

1.2 Ratios

KINS's Return On Assets of 5.40% is amongst the best of the industry. KINS outperforms 88.81% of its industry peers.

The Return On Equity of KINS (25.32%) is better than 92.31% of its industry peers.

KINS has a Return On Invested Capital of 6.23%. This is amongst the best in the industry. KINS outperforms 88.81% 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

With a decent Profit Margin value of 12.25%, KINS is doing good in the industry, outperforming 73.43% of the companies in the same industry.

KINS's Operating Margin of 17.32% is fine compared to the rest of the industry. KINS outperforms 74.83% of its industry peers.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so KINS is destroying value.

Compared to 1 year ago, KINS has more shares outstanding

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 0.08. 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.

The Debt to FCF ratio of KINS (0.08) is better than 92.31% of its industry peers.

A Debt/Equity ratio of 0.07 indicates that KINS is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.07, KINS is doing good in the industry, outperforming 79.72% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.08
Altman-Z	N/A

ROIC/WACC0.69

WACC9.08%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

KINS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 452.94%, which is quite impressive.

The Revenue has been growing slightly by 7.60% in the past year.

The Revenue has been growing slightly by 1.35% on average over the past years.

EPS 1Y (TTM)452.94%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%92.31%

Revenue 1Y (TTM)7.6%

Revenue growth 3Y-1.27%

Revenue growth 5Y1.35%

Sales Q2Q%43.04%

3.2 Future

KINS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.66% yearly.

Based on estimates for the next years, KINS will show a very strong growth in Revenue. The Revenue will grow by 25.19% on average per year.

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

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.23, the valuation of KINS can be described as very cheap.

Based on the Price/Earnings ratio, KINS is valued a bit cheaper than the industry average as 75.52% of the companies are valued more expensively.

KINS is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 5.44, the valuation of KINS can be described as very cheap.

KINS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. KINS is cheaper than 79.02% of the companies in the same industry.

KINS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	7.23
Fwd PE	5.44

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KINS indicates a somewhat cheap valuation: KINS is cheaper than 79.02% of the companies listed in the same industry.

84.62% of the companies in the same industry are more expensive than KINS, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	2.87
EV/EBITDA	5.14

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)0.17

PEG (5Y)N/A

EPS Next 2Y32.66%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

KINS has a Yearly Dividend Yield of 1.43%.

Compared to an average industry Dividend Yield of 3.52, KINS has a dividend in line with its industry peers.

KINS's Dividend Yield is slightly below the S&P500 average, which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	1.43%

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

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KINGSTONE COS INC

NASDAQ:KINS (8/25/2025, 8:00:02 PM)

After market: 13.78 +0.19 (+1.4%)

13.59

-0.27 (-1.95%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07/amc

Earnings (Next)11-10 2025-11-10/amc

Inst Owners38.78%

Inst Owner Change29.44%

Ins Owners11.25%

Ins Owner Change3.67%

Market Cap192.16M

Analysts85.71

Price Target22.44 (65.12%)

Short Float %7.41%

Short Ratio2.96

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.43%

Yearly Dividend0

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-Date08-11 2025-08-11 (0.05)

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)0%

EPS NY rev (3m)5.26%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.5%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.51%

Valuation

		Industry Rank	Sector Rank
PE	7.23
Fwd PE	5.44
P/S	1.13
P/FCF	2.87
P/OCF	2.76
P/B	2.34
P/tB	2.35
EV/EBITDA	5.14

EPS(TTM)1.88

EY13.83%

EPS(NY)2.5

Fwd EY18.39%

FCF(TTM)4.74

FCFY34.89%

OCF(TTM)4.93

OCFY36.27%

SpS12.01

BVpS5.81

TBVpS5.78

PEG (NY)0.17

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

WACC9.08%

ROIC/WACC0.69

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)452.94%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%92.31%

EPS Next Y43.66%

EPS Next 2Y32.66%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)7.6%

Revenue growth 3Y-1.27%

Revenue growth 5Y1.35%

Sales Q2Q%43.04%

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%

KINGSTONE COS INC (KINS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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