Kingstone Companies (KINS) AI Stock Analysis

• Market Cap: $212.64M
• Dividend Yield: N/A
• Average Volume (3M): 320.21K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.57
• Revenue Growth: 22.35%
• EPS Growth: 6613.46%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 81
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.17
• Shares Outstanding: 14,007,716
• 10 Day Avg. Volume: 450,286
• 30 Day Avg. Volume: 320,206
• PEG Ratio: 0.97
• Price to Book (P/B): 2.46
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.01
• Enterprise Value/Market Cap: -175.29
• Enterprise Value/Revenue: -60.34
• Enterprise Value/Gross Profit: -219.42
• Enterprise Value/Ebitda: -368.29
• 1Y Price Target: $17.00
• Price Target Upside: 11.99% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 67 Neutral
• Price Target: $16.50 ▲(8.70%Upside)

Kingstone Companies shows strong financial recovery and strategic growth, reflected in a positive earnings call sentiment. However, technical indicators suggest caution, and historical volatility in financials remains a concern.

Kingstone Companies Business Overview & Revenue Model

Company Description

Kingstone Companies, Inc. (KINS) is a multi-line property and casualty insurance holding company. The company primarily focuses on providing personal lines insurance products, including homeowners and dwelling fire policies. Kingstone operates through its subsidiary, Kingstone Insurance Company, and is known for offering tailored insurance solutions that cater to individuals and small businesses. The company serves its customers primarily in the state of New York and surrounding regions, emphasizing customer service and comprehensive coverage options.

How the Company Makes Money

Kingstone Companies makes money through the collection of insurance premiums from policyholders. The company's primary revenue stream comes from underwriting personal lines insurance policies, such as homeowners and dwelling fire insurance. Kingstone earns income by pricing these policies to cover potential claims while also ensuring a margin for profitability. In addition to underwriting income, the company may also generate revenue from investment income, which includes returns on the investment of premiums received until claims are paid out. Kingstone's earnings are influenced by factors such as claims experience, pricing strategies, and the effectiveness of its risk management practices. The company's financial performance is also impacted by regulatory conditions and market competition within the insurance industry.

Kingstone Companies Financial Statement Overview

Summary

Kingstone Companies shows strong profitability improvement and cash flow generation. However, historical volatility in margins and a moderate equity ratio indicate 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	292.53M	374.92M	247.22M	320.33M	331.31M	317.58M
Cash, Cash Equivalents and Short-Term Investments	177.47M	28.67M	8.98M	166.67M	182.37M	177.01M
Total Debt	29.52M	11.17M	25.29M	25.16M	29.82M	29.65M
Total Liabilities	215.67M	308.21M	212.71M	284.16M	255.64M	224.78M
Stockholders Equity	76.86M	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	-11.87B	-35.26M	9.46M	-5.91M	-15.95M	581.29K
Financing Cash Flow	2.80B	-2.99M	-1.12M	-5.51M	-3.57M	-3.27M

Kingstone Companies Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 15.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 15.18 is above the 20-day moving average (MA) of 15.17, below the 50-day MA of 16.55, and above the 200-day MA of 14.70, indicating a neutral trend. The MACD of -0.25 indicates Negative momentum. The RSI at 45.38 is Neutral, neither overbought nor oversold. The STOCH value of 56.86 is Neutral, 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	$702.31M	8.95	27.59%	―	11.41%	53.85%
Sector *	67 Neutral	$16.84B	11.72	9.71%	3.76%	11.61%	-9.60%
KINS	67 Neutral	$212.64M	9.47	35.29%	―	22.35%	6613.46%
GBLI	66 Neutral	$438.66M	15.39	4.14%	4.55%	-10.61%	-19.48%
ACIC	63 Neutral	$525.60M	7.17	31.11%	―	12.19%	5.12%
CNFR	56 Neutral	$9.29M	0.39	-251.22%	―	-25.13%	―
NODK	46 Neutral	$264.11M	52.81	2.40%	―	-6.46%	―

Kingstone Companies Corporate Events

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.

The most recent analyst rating on (KINS) stock is a Buy with a $6.50 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

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.

The most recent analyst rating on (KINS) stock is a Buy with a $6.50 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

Kingstone Companies Reports Strong Q1 2025 Results

Kingstone Companies reported its first quarter 2025 financial results, achieving its sixth consecutive quarter of profitability. The company saw a 23% growth in direct premiums written for its core business, driven by a favorable competitive landscape in Downstate New York. Net income increased by 172% compared to the previous year, and the company reaffirmed its full-year 2025 guidance, reflecting optimism about its future prospects.

Kingstone Companies Issues Regulation FD Disclosure

Kingstone Companies has released a press statement, clarifying that the information provided is not to be considered material or complete for investment decisions. The company emphasizes that the press release information is furnished for informational purposes and not incorporated into any registration statement under the Securities Act.