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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 Framework: Insurance & Reinsurance Micro Cap
Kingstone Companies, Inc. (KINS), is a Micro Cap company, in the Insurance - Property & Casualty industry, last closed at $19.91, about 58.8% overvalued vs fair value, +26.1% 1Y return, ranked 867/1078 in sector.
Metrics P/E 5.8× Rev Growth 38.5% ROE 43.0% Div Yield 0.59%
USD 19.91
-1.34%
(Delayed)
• Vol 90d: 44.1%
52-Week Range
Market Cap
$293.60M
Enterprise Value
$286.37M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$8
$15
Current: $19.91 -59% vs base

Engine Room Money Flow™

Micro Cap

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

Flow Steps
Total Revenue
$214.9M
38.5%%
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
44.9%
Excellent

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
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
44
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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 (37.2%), Profitability (37.5%), and Safety (25.3%). Growth 37% Safety 25% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

84th percentile vs peers
84
Key Signals
Rev Growth YoY 38.5% 86p Equity Growth YoY 84.0% 96p Revenue CAGR 3Y 18.2% 73p EPS Growth YoY 95.1% 80p Asset Growth YoY 20.9% 89p
Strengths
  • Growth performance in top 20% of peers (percentile: 84)
  • Rev Growth YoY in top 20% of peers (38.5%, 86th percentile)
  • Equity Growth YoY in top 20% of peers (84.0%, 96th percentile)
  • EPS Growth YoY in top 20% of peers (95.1%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
85
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
58
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$8.20
- - -
-58.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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