Kingstone Companies (KINS) AI Stock Analysis

• Market Cap: $230.74M
• Dividend Yield: 0.57%
• Average Volume (3M): 139.65K
• Price to Earnings (P/E): 7.4
• Beta (1Y): 0.62
• 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: 96,934
• 30 Day Avg. Volume: 139,648
• 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: 0.93
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 2.75
• Enterprise Value/Ebitda: 4.99
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 2.35
• Revenue Forecast (FY): $319.40M

• Rating: 69 Neutral
• Price Target: $16.50 ▲(8.20% Upside)
• Action: Downgraded Date: 01/31/26
• Date: Action: Downgraded 01/31/26

The score is driven primarily by strong financial performance (improved profitability, very low leverage, high ROE) and supportive earnings-call guidance. These positives are tempered by weak technical momentum (below key moving averages with negative MACD) and some risk signals around loss severity and historical cash-flow volatility.

Positive Factors

Revenue Growth

Strong premium growth and increased investment income indicate robust revenue generation, supporting long-term financial health.

Balance Sheet Health

A strong equity position and lack of holding company debt enhance financial stability and flexibility for future growth.

Profitability and Guidance

Improved financial guidance reflects confidence in profitability and strategic direction, suggesting sustained growth potential.

Negative Factors

Increased Loss Ratio

Rising loss ratios can pressure profitability and indicate potential challenges in risk management, affecting long-term margins.

Market Challenges

Competitive pressures and challenging market conditions in key regions may hinder growth and profitability in the long run.

Volatility in Cash Flow

Historical cash flow volatility poses risks to financial stability, impacting the ability to invest in growth and manage liabilities.

Kingstone Companies Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Kingstone Companies generates revenue primarily through the collection of premiums from its insurance policies. The company operates on a traditional insurance revenue model, where it assesses risk and charges policyholders premiums in exchange for coverage. Key revenue streams include personal lines insurance, such as homeowners and auto insurance, and commercial lines insurance for businesses. Additionally, Kingstone may earn investment income from the premiums it collects, which are invested until claims are paid out. Strategic partnerships with agents and brokers also enhance its distribution capabilities, allowing Kingstone to reach a broader market and drive sales. The company’s profitability is influenced by underwriting performance, investment income, and effective claims management.

Kingstone Companies Financial Statement Overview

Summary

Financials are strong overall: profitability improved materially (TTM net margin 15.68% after prior losses), leverage is very low (debt-to-equity 0.044), and ROE is high (40.38% TTM). Offsetting this, the company has had historical volatility in earnings and periods of negative operating cash flow, which adds durability risk.

Income Statement

Kingstone Companies has shown a positive trajectory in its income statement with a TTM revenue growth rate of 8.02%. The company has improved its profitability significantly, with a TTM net profit margin of 15.68% compared to negative margins in previous years. The gross profit margin remains strong at 38.70% TTM. However, past volatility in EBIT and EBITDA margins indicates potential risks in maintaining consistent profitability.

Balance Sheet

The balance sheet of Kingstone Companies reflects strong financial stability with a low debt-to-equity ratio of 0.044 TTM, indicating prudent leverage management. The return on equity has improved dramatically to 40.38% TTM, showcasing effective utilization of equity. The equity ratio stands at a healthy level, suggesting a solid capital structure. However, historical fluctuations in equity levels should be monitored.

Cash Flow

Kingstone Companies exhibits robust cash flow management with a remarkable TTM free cash flow growth rate of 76,690.78%. The free cash flow to net income ratio is nearly 1, indicating efficient conversion of income into cash. Despite these strengths, past periods of negative operating cash flow highlight potential risks in cash flow stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	200.55M	155.14M	144.19M	130.16M	161.23M	131.37M
Gross Profit	77.61M	58.58M	27.98M	7.19M	26.14M	33.11M
EBITDA	42.77M	29.25M	-389.56K	-22.62M	-4.29M	3.40M
Net Income	31.45M	18.36M	-6.17M	-22.52M	-7.38M	972.39K
Balance Sheet
Total Assets	428.59M	374.92M	317.63M	320.33M	331.31M	317.58M
Cash, Cash Equivalents and Short-Term Investments	26.77M	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	320.94M	308.21M	283.13M	284.16M	255.64M	224.78M
Stockholders Equity	107.65M	66.71M	34.50M	36.17M	75.67M	92.80M
Cash Flow
Free Cash Flow	73.36M	55.61M	-13.15M	-5.47M	19.85M	-13.56M
Operating Cash Flow	76.05M	57.95M	-11.33M	-915.52K	24.35M	-10.23M
Investing Cash Flow	-82.41M	-35.26M	9.46M	-5.91M	-15.95M	581.29K
Financing Cash Flow	-632.07K	-2.99M	-1.12M	-5.51M	-3.57M	-3.27M

Kingstone Companies Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.25
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 15.25 is below the 20-day moving average (MA) of 15.84, below the 50-day MA of 16.18, and above the 200-day MA of 15.23, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 59.60 is Neutral, neither overbought nor oversold. The STOCH value of 72.38 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
GBLI	73 Outperform	$401.07M	14.52	4.01%	5.01%	-0.04%	-33.45%
KINS	69 Neutral	$230.74M	7.41	37.59%	0.57%	39.32%	61.45%
DGICA	69 Neutral	$629.33M	7.97	13.38%	3.51%	0.93%	224.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACIC	65 Neutral	$538.86M	5.25	29.35%	―	16.34%	-1.26%
NODK	47 Neutral	$273.03M	109.97	1.07%	―	-17.81%	38.09%

Kingstone Companies Corporate Events

Kingstone Companies Declares Quarterly Cash Dividend to Shareholders

On January 30, 2026, Kingstone Companies, Inc. announced that its Board of Directors had declared a quarterly cash dividend of $0.05 per share of common stock, reflecting the company’s ongoing practice of returning capital to shareholders. The dividend was scheduled to be paid on February 26, 2026, to stockholders of record as of the close of business on February 11, 2026, signaling continued confidence in Kingstone’s financial position and providing income stability for its investor base.

The most recent analyst rating on (KINS) stock is a Buy with a $17.50 price target. To see the full list of analyst forecasts on Kingstone Companies stock, see the KINS Stock Forecast page.

Kingstone Companies Reports Strong 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.