Kingstone Companies (KINS) AI Stock Analysis

• Market Cap: $225.93M
• Dividend Yield: 0.63%
• Average Volume (3M): 139.16K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.47
• 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: 139,819
• 30 Day Avg. Volume: 139,164
• 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: 0.97
• Enterprise Value/Revenue: 1.09
• Enterprise Value/Gross Profit: 2.83
• Enterprise Value/Ebitda: 5.13
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 2.1
• Revenue Forecast (FY): $277.90M

• Rating: 79 Outperform
• Price Target: $18.00 ▲(18.03% Upside)

Kingstone Companies' strong financial performance and attractive valuation are the most significant factors driving the overall score. The company's effective management of leverage and capital structure, along with its positive earnings call, further enhance its investment appeal. Technical indicators suggest bullish momentum, although caution is advised due to potential overbought conditions.

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. (KINS) is a property and casualty insurance holding company based in the United States. The company primarily operates through its subsidiaries, providing a range of insurance products including personal and commercial lines of insurance. Its core offerings encompass homeowners, automobile, and business insurance, catering to a diverse clientele across various sectors. Kingstone focuses on delivering innovative insurance solutions and exceptional customer service to enhance client satisfaction and retention.

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

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	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	148.81M	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	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: 15.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 above the 20-day moving average (MA) of 14.91, above the 50-day MA of 14.80, and below the 200-day MA of 15.33, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 66.73 is Neutral, neither overbought nor oversold. The STOCH value of 85.23 is Negative, 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	79 Outperform	$225.93M	7.25	37.59%	0.63%	39.32%	61.45%
ACIC	73 Outperform	$617.86M	7.31	29.35%	―	16.34%	-1.26%
GBLI	68 Neutral	$406.68M	14.72	4.01%	5.00%	-0.04%	-33.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
DGICA	62 Neutral	$720.09M	8.39	15.10%	3.54%	0.93%	224.95%
CNFR	52 Neutral	―	―	―	―	―	―
NODK	50 Neutral	$286.01M	113.40	1.07%	―	-17.81%	38.09%

Kingstone Companies Corporate Events

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.

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.

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.

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.