Kingstone Companies (KINS) AI Stock Analysis

• Market Cap: $191.46M
• Dividend Yield: 0.38%
• Average Volume (3M): 232.74K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 0.65
• Revenue Growth: 35.68%
• EPS Growth: 342.66%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 72
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.75
• Shares Outstanding: 14,140,604
• 10 Day Avg. Volume: 213,716
• 30 Day Avg. Volume: 232,737
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.19
• Enterprise Value/Revenue: 1.34
• Enterprise Value/Gross Profit: 1.34
• Enterprise Value/Ebitda: 7.21
• 1Y Price Target: $15.00
• Price Target Upside: 12.87% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: $15.00 ▲(12.87% Upside)

Kingstone Companies' overall stock score is driven by strong financial performance and attractive valuation. Despite technical weaknesses, positive earnings call insights and strategic corporate events support a favorable outlook.

Kingstone Companies Business Overview & Revenue Model

Company Description

Kingstone Companies, Inc. (KINS) is a property and casualty insurance company based in the United States. The company primarily operates in the insurance sector, offering a range of insurance products including homeowners, commercial auto, and general liability insurance. Kingstone focuses on providing coverage tailored to the needs of its clients, with a strong emphasis on underserved markets, particularly in disaster-prone areas. Through its subsidiaries, Kingstone underwrites insurance policies and manages risk to support its customers' needs.

How the Company Makes Money

Kingstone Companies generates revenue primarily through the underwriting of insurance policies. The company collects premiums from policyholders, which constitute its main revenue stream. Additionally, Kingstone earns investment income from the investment of the premiums it collects, which is a significant aspect of its financial performance. The company also engages in reinsurance arrangements to manage its risk exposure, which can influence its overall profitability. Furthermore, strategic partnerships with agents and brokers enhance its distribution capabilities, allowing Kingstone to reach a broader customer base and drive premium growth. The combination of premium income, investment returns, and effective risk management practices are critical to the company's earnings.

Kingstone Companies Financial Statement Overview

Summary

Kingstone Companies shows strong recovery with revenue growth and improved profitability. However, historical volatility in margins and equity ratio indicates areas for stabilization.

Income Statement

Kingstone Companies shows a strong recovery with TTM (Trailing-Twelve-Months) revenue growth of 9.5% and a net profit margin of 12.3%, reflecting improved profitability. However, historical volatility in EBIT margin indicates some operational challenges.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.07, suggesting low leverage. However, the equity ratio stands at 21.3%, highlighting potential limitations in asset-backed equity, though improved from previous years.

Cash Flow

Significant improvement in cash flow with a substantial free cash flow growth rate and an operating cash flow to net income ratio of 860.5, indicating robust cash generation. However, past volatility raises caution for sustainable cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	169.88M	155.14M	144.19M	130.16M	161.23M	131.37M
Gross Profit	169.88M	155.14M	144.19M	130.16M	161.23M	131.37M
EBITDA	31.49M	29.25M	-389.56K	-24.64M	-6.12M	1.58M
Net Income	20.81M	18.36M	-6.17M	-22.52M	-7.38M	972.39K
Balance Sheet
Total Assets	385.44M	374.92M	317.63M	320.33M	331.31M	317.58M
Cash, Cash Equivalents and Short-Term Investments	124.91M	28.67M	8.98M	166.67M	182.37M	177.01M
Total Debt	5.36M	11.17M	25.29M	25.16M	29.82M	29.65M
Total Liabilities	303.23M	308.21M	283.13M	284.16M	255.64M	224.78M
Stockholders Equity	82.21M	66.71M	34.50M	36.17M	75.67M	92.80M
Cash Flow
Free Cash Flow	17.91B	55.61M	-13.15M	-5.47M	19.85M	-13.56M
Operating Cash Flow	17.91B	57.95M	-11.33M	-915.52K	24.35M	-10.23M
Investing Cash Flow	-35.52M	-35.26M	9.46M	-5.91M	-15.95M	581.29K
Financing Cash Flow	102.78K	-2.99M	-1.12M	-5.51M	-3.57M	-3.27M

Kingstone Companies Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.29
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KINS, the sentiment is Negative. The current price of 13.29 is below the 20-day moving average (MA) of 14.78, below the 50-day MA of 15.08, and below the 200-day MA of 15.72, indicating a bearish trend. The MACD of -0.54 indicates Positive momentum. The RSI at 34.82 is Neutral, neither overbought nor oversold. The STOCH value of 6.62 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KINS.

Kingstone Companies Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HRTG	76 Outperform	$676.49M	6.30	33.49%	―	9.35%	77.04%
GBLI	69 Neutral	$419.88M	14.77	4.13%	4.77%	-3.71%	-21.68%
Sector *	68 Neutral	$17.82B	11.90	10.30%	3.72%	9.69%	0.80%
KINS	66 Neutral	$191.46M	6.73	40.61%	0.38%	35.68%	342.66%
ACIC	66 Neutral	$511.55M	6.36	31.54%	―	23.68%	16.14%
NODK	55 Neutral	$271.67M	180.25	0.65%	―	-15.27%	-65.08%
CNFR	54 Neutral	$10.09M	0.34	-218.24%	―	-37.38%	―

Kingstone Companies Corporate Events

Kingstone Companies Issues Regulation FD Disclosure

Kingstone Companies has released information that is being furnished rather than filed, indicating that it will not be subject to certain liabilities under the Exchange Act. The company clarifies that this information is not necessarily material or complete and should not solely guide investment decisions.

Kingstone Companies Announces Board Changes and Elections

On August 6, 2025, Kingstone Companies, Inc. announced changes to its Board of Directors, with Carla D’Andre and Timothy McFadden completing their service, and Pranav Pasricha being elected. During the same day, at the Annual Meeting of Stockholders, various decisions were made, including the election of board nominees, the ratification of CBIZ CPAs P.C. as the independent accounting firm for 2025, and advisory votes on executive compensation. The stockholders also decided that future advisory votes on executive compensation should occur annually.

Kingstone Companies Appoints New CFO Randy L. Patten

On August 5, 2025, Kingstone Companies announced the appointment of Randy L. Patten as its new Chief Financial Officer, effective August 25, 2025. Patten brings 28 years of leadership experience in the insurance industry, having previously held senior finance roles at NEXT Insurance and United Fire Group. His compensation package includes a $400,000 annual salary, bonuses, and a restricted stock grant, indicating Kingstone’s strategic investment in experienced leadership to potentially enhance its financial operations and market position.

Kingstone Declares Quarterly Dividend for Shareholders

On July 22, 2025, Kingstone Companies, Inc. announced that its Board of Directors declared a $0.05 per share quarterly dividend. This dividend is payable on August 26, 2025, to stockholders of record as of August 11, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders.

Kingstone Companies Issues Regulation FD Disclosure

The recent press release from Kingstone Companies does not provide specific details about the company’s industry, primary products, or market focus. The announcement clarifies that the information shared is not intended to be considered material or complete for investors making decisions about the company’s securities. The company emphasizes that the press release is furnished for informational purposes only and will not be incorporated into any registration statement under the Securities Act unless specifically identified.

Kingstone Companies Joins Russell 3000 and 2000 Indexes

On June 30, 2025, Kingstone Companies, Inc. announced its inclusion in the broad-market Russell 3000® Index and the small-cap Russell 2000® Index. This development highlights the company’s growing market presence and could enhance its visibility among investors, potentially impacting its operations and industry positioning.

Kingstone Finalizes Catastrophe Reinsurance Program

On June 23, 2025, Kingstone Companies, Inc. announced the finalization of its catastrophe reinsurance program for the period from July 1, 2025, through June 30, 2026. This development is part of the company’s ongoing efforts to manage risk and ensure financial stability, although the company has not indicated whether this information is material for investors.