Kingstone Companies (KINS) AI Stock Analysis

• Market Cap: $208.39M
• Dividend Yield: 0.68%
• Average Volume (3M): 137.29K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 0.46
• Revenue Growth: 39.32%
• EPS Growth: 61.45%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.73
• Shares Outstanding: 14,147,428
• 10 Day Avg. Volume: 150,849
• 30 Day Avg. Volume: 137,293
• PEG Ratio: -0.02
• Price to Book (P/B): 2.61
• Price to Sales (P/S): 1.12
• P/FCF Ratio: 3.14
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 1.52
• Enterprise Value/Gross Profit: 4.10
• Enterprise Value/Ebitda: 0.12
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $16.50 ▲(10.89% Upside)

Kingstone Companies' strong financial performance and attractive valuation are key strengths, supported by positive earnings call insights. Technical indicators suggest a neutral market position, while the lack of notable corporate events keeps the focus on core financial metrics.

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 demonstrates strong financial performance with significant improvements in profitability and revenue growth. The balance sheet is stable with low leverage, and cash flow generation is robust. However, historical volatility in financial metrics and low operating cash flow conversion are areas to monitor.

Income Statement

Kingstone Companies has shown a strong revenue growth rate of 9.57% in the TTM, with a significant improvement in net profit margin to 15.24%. The gross profit margin is exceptionally high at 101.64%, indicating efficient cost management. EBIT and EBITDA margins have also improved, reflecting enhanced operational efficiency. However, past volatility in revenue growth and profitability poses a risk.

Balance Sheet

The balance sheet shows a healthy debt-to-equity ratio of 0.05 in the TTM, indicating low leverage and financial stability. Return on equity is strong at 36.32%, showcasing effective use of equity to generate profits. However, the equity ratio is not provided, and past fluctuations in equity levels suggest potential instability.

Cash Flow

The cash flow statement reveals a modest free cash flow growth rate of 1.2% in the TTM. The free cash flow to net income ratio is exceptionally high at 249.21, indicating strong cash generation relative to net income. However, the operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	144.90M	155.14M	144.19M	130.16M	161.23M	131.37M
Gross Profit	53.50M	58.58M	27.98M	7.19M	26.14M	33.11M
EBITDA	1.91B	29.25M	-389.56K	-22.62M	-4.29M	3.40M
Net Income	20.57M	18.36M	-6.17M	-22.52M	-7.38M	972.39K
Balance Sheet
Total Assets	428.59B	374.92M	317.63M	320.33M	331.31M	317.58M
Cash, Cash Equivalents and Short-Term Investments	26.77B	28.67M	157.90M	166.67M	182.37M	177.01M
Total Debt	4.75M	11.17M	25.24M	25.16M	29.82M	29.65M
Total Liabilities	320.94B	308.21M	283.13M	284.16M	255.64M	224.78M
Stockholders Equity	107.65B	66.71M	34.50M	36.17M	75.67M	92.80M
Cash Flow
Free Cash Flow	53.08B	55.61M	-13.15M	-5.47M	19.85M	-13.56M
Operating Cash Flow	53.08B	57.95M	-11.33M	-915.52K	24.35M	-10.23M
Investing Cash Flow	-56.42B	-35.26M	9.46M	-5.91M	-15.95M	581.29K
Financing Cash Flow	1.41B	-2.99M	-1.12M	-5.51M	-3.57M	-3.27M

Kingstone Companies Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KINS, the sentiment is Positive. The current price of 14.88 is above the 20-day moving average (MA) of 14.65, above the 50-day MA of 14.53, and below the 200-day MA of 15.45, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 52.21 is Neutral, neither overbought nor oversold. The STOCH value of 30.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KINS.

Kingstone Companies Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KINS	74 Outperform	$208.39M	6.69	37.59%	0.68%	39.32%	61.45%
ACIC	68 Neutral	$570.55M	6.75	29.35%	―	16.34%	-1.26%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GBLI	67 Neutral	$386.75M	14.00	4.01%	5.19%	-0.04%	-33.45%
DGICA	62 Neutral	$703.63M	8.14	15.10%	3.65%	0.93%	224.95%
CNFR	52 Neutral	―	―	―	―	―	―
NODK	50 Neutral	$271.88M	180.38	1.07%	―	-17.81%	38.09%

Kingstone Companies Corporate Events

Kingstone Reports Strong Third Quarter 2025 Results

Kingstone Companies, Inc. is a Northeast regional property and casualty insurance holding company, primarily operating through its subsidiary Kingstone Insurance Company, which provides homeowners insurance solutions across several states in the U.S. Northeast.

Kingstone Companies Reports Strong Q3 2025 Financial Results

Kingstone Companies reported strong financial results for the third quarter of 2025, with direct premiums written increasing by 14% and net income rising by 56% to $10.9 million. The company attributes its success to higher average premiums, strong retention, and reduced quota share, despite challenging market conditions in Downstate New York. The company also raised its profitability outlook for fiscal year 2025, reflecting confidence in its strategic direction and commitment to delivering long-term value to shareholders.

The most recent analyst rating on (KINS) stock is a Buy with a $16.50 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

Kingstone Companies Declares Quarterly Cash Dividend

On October 31, 2025, Kingstone Companies, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.05 per share. This dividend is payable on November 26, 2025, to stockholders of record as of November 11, 2025. The announcement reflects the company’s ongoing commitment to providing shareholder value through regular dividend payments.

The most recent analyst rating on (KINS) stock is a Buy with a $16.50 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

Kingstone Companies Issues Regulation FD Disclosure

The press release from Kingstone Companies does not provide specific information about the company’s industry, primary products, or market focus. The release indicates that the information is being furnished, not filed, and is not intended to be considered material or complete for investment decisions. This suggests that the company is cautious about the implications of the information shared and does not want it to be used as a basis for investment decisions.

The most recent analyst rating on (KINS) stock is a Buy with a $16.50 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

Kingstone Companies Releases FY 2026 Financial Guidance

On September 24, 2025, Kingstone Companies, Inc. released financial guidance for fiscal year 2026 and additional guidance for fiscal year 2025. The announcement is intended to provide summary information and is not considered material or complete for investment decisions.

The most recent analyst rating on (KINS) stock is a Buy with a $15.00 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

Kingstone’s Earnings Call Highlights Record Growth and Expansion Plans

Kingstone’s Latest Earnings Call Reflects Strong Performance and Strategic Growth Plans

Kingstone’s Earnings Reflect Strategic Adjustments

Kingstone is a company operating in the insurance sector, primarily focusing on providing property and casualty insurance services. Known for its regional presence, Kingstone has carved a niche in offering tailored insurance solutions.