15.53 USD
+0.08 (+0.52%)
At close: Feb 2, 2026
15.53 USD
0 (0%)
After Hours: 2/2/2026, 4:30:02 PM
We assign a fundamental rating of 5 out of 10 to KINS. KINS was compared to 147 industry peers in the Insurance industry. KINS has an average financial health and profitability rating. KINS is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
- 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
- KINS has a Return On Assets of 7.34%. This is amongst the best in the industry. KINS outperforms 91.84% of its industry peers.
- Looking at the Return On Equity, with a value of 29.21%, KINS belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
- KINS's Return On Invested Capital of 7.69% is amongst the best of the industry. KINS outperforms 90.48% 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 Profit Margin of 15.68%. This is amongst the best in the industry. KINS outperforms 80.27% of its industry peers.
- KINS's Operating Margin of 20.17% is fine compared to the rest of the industry. KINS outperforms 69.39% 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
- 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.
- 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 0.06, 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.
- The Debt to FCF ratio of KINS (0.06) is better than 94.56% of its industry peers.
- A Debt/Equity ratio of 0.04 indicates that KINS is not too dependend on debt financing.
- The Debt to Equity ratio of KINS (0.04) is better than 82.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.06 | ||
| Altman-Z | N/A |
ROIC/WACC0.85
WACC9.06%
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 very strong growth in Revenue. The Revenue has grown by 34.02%.
- The Revenue has been growing slightly by 1.35% on average over the past years.
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
- The Earnings Per Share is expected to grow by 25.47% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 18.85% on average over the next years. This is quite good.
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 cheaply with a Price/Earnings ratio of 7.36.
- Based on the Price/Earnings ratio, KINS is valued a bit cheaper than the industry average as 76.87% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 28.32. KINS is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 6.34 indicates a rather cheap valuation of KINS.
- Based on the Price/Forward Earnings ratio, KINS is valued a bit cheaper than 77.55% of the companies in the same industry.
- KINS is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 6.34 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, KINS is valued a bit cheaper than the industry average as 78.23% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, KINS is valued cheaply inside the industry as 82.99% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3 | ||
| EV/EBITDA | 4.58 |
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.
- KINS's earnings are expected to grow with 25.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y31.3%
EPS Next 3Y25.47%
5. Dividend
5.1 Amount
- KINS has a Yearly Dividend Yield of 1.31%.
- Compared to an average industry Dividend Yield of 2.19, KINS has a dividend in line with its industry peers.
- KINS's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
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%
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.
Can you provide the valuation status for KINGSTONE COS INC?
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 is the valuation of KINGSTONE COS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for KINGSTONE COS INC (KINS) is 7.36 and the Price/Book (PB) ratio is 2.04.
Can you provide the expected EPS growth for KINS stock?
The Earnings per Share (EPS) of KINGSTONE COS INC (KINS) is expected to grow by 58.03% in the next year.