KINGSTONE COS INC (KINS) Stock Fundamental Analysis
NASDAQ:KINS - Nasdaq - US4967191051 - Common Stock - Currency: USD
Taking everything into account, KINS scores 5 out of 10 in our fundamental rating. KINS was compared to 143 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 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's Return On Assets of 5.40% is amongst the best of the industry. KINS outperforms 88.81% of its industry peers.
KINS's Return On Equity of 25.32% is amongst the best of the industry. KINS outperforms 93.01% of its industry peers.
The Return On Invested Capital of KINS (6.23%) is better than 87.41% 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 has a Profit Margin of 12.25%. This is in the better half of the industry: KINS outperforms 72.73% of its industry peers.
KINS has a better Operating Margin (17.32%) than 75.52% 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
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.
KINS has more shares outstanding than it did 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 0.08, which is an excellent value as it means it would take KINS, only 0.08 years of fcf income to pay off all of its debts.
KINS has a better Debt to FCF ratio (0.08) than 92.31% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that KINS is not too dependend on debt financing.
KINS has a Debt to Equity ratio of 0.07. This is amongst the best in the industry. KINS outperforms 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.08 | ||
| Altman-Z | N/A |
ROIC/WACC0.63
WACC9.92%
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.
Looking at the last year, KINS shows a quite strong growth in Revenue. The Revenue has grown by 18.52% 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)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
The Revenue is expected to grow by 21.82% on average over the next years. This is a very strong growth
EPS Next Y36.48%
EPS Next 2Y32.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year38.81%
Revenue Next 2Y21.82%
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
The Price/Earnings ratio is 9.89, which indicates a very decent valuation of KINS.
Based on the Price/Earnings ratio, KINS is valued a bit cheaper than the industry average as 67.83% of the companies are valued more expensively.
KINS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.35.
With a Price/Forward Earnings ratio of 6.01, 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 76.22% of the companies 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 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 6.01 |
4.2 Price Multiples
76.92% of the companies in the same industry are more expensive than KINS, based on the Enterprise Value to EBITDA ratio.
KINS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. KINS is cheaper than 80.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.14 | ||
| EV/EBITDA | 5.47 |
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 32.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y32.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.25%, KINS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.46, KINS pays a better dividend. On top of this KINS pays more dividend than 83.92% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, KINS pays a better dividend.
| 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
15.03
+0.28 (+1.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.1%
Inst Owner Change41.87%
Ins Owners9.77%
Ins Owner Change1.76%
Market Cap210.57M
Analysts85.71
Price Target22.44 (49.3%)
Short Float %3.39%
Short Ratio1.07
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)15.79%
PT rev (3m)22.22%
EPS NQ rev (1m)-6.78%
EPS NQ rev (3m)-17.91%
EPS NY rev (1m)0%
EPS NY rev (3m)5.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.89 | ||
| Fwd PE | 6.01 | ||
| P/S | 1.24 | ||
| P/FCF | 3.14 | ||
| P/OCF | 3.02 | ||
| P/B | 2.56 | ||
| P/tB | 2.58 | ||
| EV/EBITDA | 5.47 |
EPS(TTM)1.52
EY10.11%
EPS(NY)2.5
Fwd EY16.63%
FCF(TTM)4.79
FCFY31.84%
OCF(TTM)4.98
OCFY33.1%
SpS12.13
BVpS5.87
TBVpS5.83
PEG (NY)0.27
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
WACC9.92%
ROIC/WACC0.63
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 Y36.48%
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 Year38.81%
Revenue Next 2Y21.82%
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%