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Company Analysis

Kingstone Companies, Inc KINS

A comprehensive view of key metrics, scores, and financial health for Kingstone Companies, Inc

Overview of Kingstone Companies, Inc.

KINS NCM
Financial Services Insurance - Property & Casualty Micro Cap
Kingstone Companies, Inc. (KINS), is a Micro Cap company, in the Insurance - Property & Casualty industry, last closed at $17.53, about 56.5% overvalued vs fair value, +3.4% 1Y return, ranked 433/1037 in sector.
$17.53
0.23%
As of April 28, 2026
Previous close • Vol 90d: 38.1%
52-Week Range
Market Cap
$253.80M
Enterprise Value
$231.78M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.kingstonecompanies...
HQ Kingston, NY
Employees 99
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$8
$14
Current: $17.53 -57% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$155.1M
7.6%%
Claims & Losses
$-96.6M
-16.9%%
Acquisition & Admin Expenses
$-4.2M
Underwriting Result
$23.3M
416.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
62.2%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.3M
7.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Kingstone Companies, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
35
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing KINS's balance between Growth (32.3%), Profitability (45.8%), and Safety (21.9%). Growth 32% Safety 22% Profitability 46%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

54th percentile vs peers
54
Key Signals
Equity Growth YoY 93.3% 97p Rev Growth YoY 7.6% 42p EPS Growth YoY 3.58 90p Asset Growth YoY 18.0% 86p Revenue CAGR 3Y -1.3% 8p
Strengths
  • Equity Growth YoY in top 20% of peers (93.3%, 97th percentile)
  • EPS Growth YoY in top 20% of peers (3.58, 90th percentile)
  • ROE in top 20% of peers (36.3%, 84th percentile)
  • ROA in top 20% of peers (5.3%, 81th percentile)
  • Financial Leverage in top 20% of peers (6.84, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
37
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Kingstone Companies, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$7.63
- - -
-56.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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