Kingstone (KINS)
NASDAQ:KINS
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KINS Stock Chart & Stats
$15.25
-$0.57(-3.86%)
At close: 4:00 PM EST
$15.25
-$0.57(-3.86%)
Day’s Range― - ―
52-Week Range$13.08 - $22.40
Previous CloseN/A
Volume121.97K
Average Volume (3M)117.17K
Market Cap
$235.25M
Enterprise Value$227.51M
Total Cash (Recent Filing)$301.22M
Total Debt (Recent Filing)$4.44M
Price to Earnings (P/E)5.7
Beta0.78
Next Earnings
May 07, 2026EPS Estimate
-0.26Next Dividend Ex-DateN/A
Dividend Yield0.57%
Share Statistics
EPS (TTM)2.91
Shares Outstanding14,476,825
10 Day Avg. Volume162,377
30 Day Avg. Volume117,167
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.91
Price to Sales (P/S)1.18
P/FCF Ratio3.21
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue1.14
Enterprise Value/Gross Profit1.98
Enterprise Value/Ebitda4.21
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.15
Revenue Forecast (FY)$319.70M
Bulls Say, Bears Say
Bulls Say
Underwriting ProfitabilityA materially improved underlying combined ratio and lower underlying loss ratio reflect better underwriting discipline, claims handling, and risk selection. These durable improvements support recurring margin expansion and capital generation, reducing reliance on investment returns and enabling reinvestment or firming of pricing over the medium term.
Balance Sheet Strength & Cash GenerationVery low leverage and pronounced equity growth (book value up sharply) give Kingstone financial flexibility to retain premium, absorb losses, and support measured growth. Free cash flow tracking net income in 2024–2025 and ongoing dividends indicate the business is converting underwriting and investment performance into persistent cash available for operations or shareholder returns.
Disciplined Growth & Quota‑share StrategyManagement is retaining more premium while keeping measured reinsurance limits and staged market entry (California <5% initial premium). Reducing quota share increases net premium retention and EPS leverage, while phased geographic expansion and reinsurance protections show disciplined execution that can sustainably scale the franchise with controlled risk.
Bears Say
Catastrophe SensitivityManagement’s higher catastrophe assumption materially depresses headline combined ratio and EPS (each 1 point ≈ $0.13 EPS). Given P&C exposure to weather, this sensitivity is structural: multi‑year weather volatility can swing reported earnings and capital metrics, constraining predictable profit delivery absent persistent reserve of underwriting margin.
Regulatory & Geographic Concentration RiskKingstone remains heavily exposed to the New York homeowners market where regulatory proposals could limit pricing or capacity. Despite a planned California entry, initial CA contribution is tiny, so near‑term earnings and growth remain tied to a jurisdiction facing political and rulemaking risk that can structurally alter underwriting economics.
Revenue And Earnings VolatilityAn extreme year‑over‑year revenue drop combined with prior years of negative returns and intermittent negative cash flow demonstrates that top‑line and earnings have been inconsistent. This historical volatility raises questions about revenue quality, renewals, and the durability of margin improvements across multiple underwriting cycles.
Kingstone Companies News
KINS FAQ
What was Kingstone’s price range in the past 12 months?
Kingstone lowest stock price was $13.08 and its highest was $22.40 in the past 12 months.
What is Kingstone’s market cap?
Kingstone’s market cap is $235.25M.
When is Kingstone’s upcoming earnings report date?
Kingstone’s upcoming earnings report date is May 07, 2026 which is in 3 days.
How were Kingstone’s earnings last quarter?
Kingstone released its earnings results on Mar 05, 2026. The company reported $1.08 earnings per share for the quarter, beating the consensus estimate of $1.05 by $0.03.
Is Kingstone overvalued?
According to Wall Street analysts Kingstone’s price is currently Overvalued.
Does Kingstone pay dividends?
Kingstone pays a Quarterly dividend of $0.05 which represents an annual dividend yield of 0.57%. See more information on Kingstone dividends here
What is Kingstone’s EPS estimate?
Kingstone’s EPS estimate is -0.26.
How many shares outstanding does Kingstone have?
Kingstone has 14,476,825 shares outstanding.
What happened to Kingstone’s price movement after its last earnings report?
Kingstone reported an EPS of $1.08 in its last earnings report, beating expectations of $1.05. Following the earnings report the stock price went down -3.946%.
Which hedge fund is a major shareholder of Kingstone?
Currently, no hedge funds are holding shares in KINS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Kingstone Companies Stock Smart Score
Neutral
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Blogger Sentiment
Bullish
KINS Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 432.7K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.8%
Last 30 Days ▲ 1.3%
Last 30 Days ▲ 1.3%
Technicals
SMA
Positive
20 days / 200 days
Momentum
9.82%
12-Months-Change
Fundamentals
Return on Equity
40.02%
Trailing 12-Months
Asset Growth
27.97%
Trailing 12-Months
Company Description
Kingstone
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company offers personal line of insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies, as well as reinsurance products. It sells its products through retail and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is headquartered in Kingston, New York.
KINS Company Deck
KINS Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a strongly positive underlying operating performance: record profitability, substantial premium and earned premium growth, marked improvement in expense and loss ratios, stronger investment income and capital metrics, and a disciplined, measured expansion strategy (California). The primary near-term headwinds are weather-driven: management is prudently assuming a higher-than-average catastrophe load for 2026 (7–10 points), which depresses headline combined ratio and EPS guidance despite healthy underlying metrics. Regulatory uncertainty in New York and execution risk for California are noted but framed as manageable. Overall, the highlights substantially outweigh the lowlights.View all KINS earnings summariesTechnical Analysis
Ownership Overview
5.79% Insiders
13.93% Mutual Funds
2.18% Other Institutional Investors
67.09% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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