image
Kingstone Companies, Inc. KINS
Financial Services - Insurance - Property & Casualty - NASDAQ - US
Watchlist
$ 15.54
2.79 %
$ 218 M
Market Cap
9.43
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one KINS stock under the worst case scenario is HIDDEN Compared to the current market price of 15.5 USD, Kingstone Companies, Inc. is HIDDEN

KINS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one KINS stock under the base case scenario is HIDDEN Compared to the current market price of 15.5 USD, Kingstone Companies, Inc. is HIDDEN

KINS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one KINS stock under the best case scenario is HIDDEN Compared to the current market price of 15.5 USD, Kingstone Companies, Inc. is HIDDEN

KINS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart KINS

image
1M --%
6M -9%
1Y 111.0%
3Y 348%
5Y 199%
All
$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.0$18.0$18.0$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.0$13.0$13.015 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 JulAug '25Aug '25
FINANCIALS
155 M REVENUE
7.60%
Growth Rates
1Year 7.60%
3Years -1.28%
5Years 1.34%
7Years 7.62%
10Years 11.98%
23.3 M OPERATING INCOME
416.18%
Growth Rates
1Year 416.18%
3Years 64.79%
5Years 37.93%
7Years 7.14%
10Years 11.45%
18.4 M NET INCOME
397.62%
Growth Rates
1Year 397.62%
3Years 64.95%
5Years 38.39%
7Years 9.09%
10Years 13.17%
57.9 M OPERATING CASH FLOW
611.60%
Growth Rates
1Year 611.60%
3Years 33.52%
5Years 14.18%
7Years 10.92%
10Years 12.83%
-35.3 M INVESTING CASH FLOW
-372.67%
Growth Rates
1Year -372.67%
3Years -30.28%
5Years -18.68%
7Years 4.20%
10Years -3.09%
-2.99 M FINANCING CASH FLOW
-168.26%
Growth Rates
1Year -168.26%
3Years 5.71%
5Years 3.79%
7Years -0.75%
10Years -8.29%
50.5 M REVENUE
19.94%
Growth Rates
1Year 7.60%
3Years -1.28%
5Years 1.34%
7Years 7.62%
10Years 11.98%
4.72 M OPERATING INCOME
-29.36%
Growth Rates
1Year 416.18%
3Years 64.79%
5Years 37.93%
7Years 7.14%
10Years 11.45%
3.88 M NET INCOME
-28.61%
Growth Rates
1Year 397.62%
3Years 64.95%
5Years 38.39%
7Years 9.09%
10Years 13.17%
17.9 B OPERATING CASH FLOW
77580.99%
Growth Rates
1Year 611.60%
3Years 33.52%
5Years 14.18%
7Years 10.92%
10Years 12.83%
-11.8 B INVESTING CASH FLOW
-45378.89%
Growth Rates
1Year -372.67%
3Years -30.28%
5Years -18.68%
7Years 4.20%
10Years -3.09%
2.81 B FINANCING CASH FLOW
137992.98%
Growth Rates
1Year -168.26%
3Years 5.71%
5Years 3.79%
7Years -0.75%
10Years -8.29%
Balance Sheet Kingstone Companies, Inc.
image
Current Assets 28.7 M
Cash & Short-Term Investments 28.7 M
Receivables 91.1 M
Other Current Assets -91.1 M
Non-Current Assets 346 M
Long-Term Investments 0
PP&E 9.28 M
Other Non-Current Assets 337 M
7.65 %24.30 %89.88 %Total Assets$374.9m
Current Liabilities 10.5 M
Accounts Payable 10.5 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 298 M
Long-Term Debt 11.2 M
Other Non-Current Liabilities 287 M
3.41 %3.62 %92.97 %Total Liabilities$308.2m
EFFICIENCY
Earnings Waterfall Kingstone Companies, Inc.
image
Revenue 155 M
Cost Of Revenue 0
Gross Profit 155 M
Operating Expenses 132 M
Operating Income 23.3 M
Other Expenses 4.93 M
Net Income 18.4 M
160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00155m0155m(132m)23m(5m)18mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 89.50%
10Years 74.73%
15.01% OPERATING MARGIN
15.01%
Averages
1Year 15.01%
3Years -3.86%
5Years -3.68%
7Years -2.79%
10Years 2.94%
11.83% NET MARGIN
11.83%
Averages
1Year 11.83%
3Years -3.25%
5Years -2.72%
7Years -2.14%
10Years 1.81%
27.52% ROE
27.52%
Averages
1Year 27.52%
3Years -17.54%
5Years -12.27%
7Years -9.23%
10Years -2.30%
4.90% ROA
4.90%
Averages
1Year 4.90%
3Years -1.54%
5Years -1.31%
7Years -1.04%
10Years 0.66%
5.04% ROIC
5.04%
Averages
1Year 5.04%
3Years -1.66%
5Years -1.39%
7Years -1.00%
10Years 0.82%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Kingstone Companies, Inc.
image
60m60m50m50m40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 18.4 M
Depreciation & Amortization 2.45 M
Capital Expenditures -2.34 M
Stock-Based Compensation 1.38 M
Change in Working Capital 30.4 M
Others 28.9 M
Free Cash Flow 55.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Kingstone Companies, Inc.
image
KINS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.05 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.45000.45000.40000.40000.35000.35000.30000.30000.25000.25000.20000.20000.15000.15000.10000.10000.05000.05000.00000.00000.050.06250.06250.10.10.06250.040.040.050.06250.080.10.10.040.040.040.050.06250.080.10.06250.040.040.040.050.06250.210.06250.250.080.300.10.400.06250.330.040.180.040.160.120.05201520152016201620172017201820182019201920202020202120212022202220252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Kingstone Companies, Inc.
image
Sold
0-3 MONTHS
87.4 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
246 K USD 2
9-12 MONTHS
0 USD 0
Bought
467 K USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
255 K USD 4
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Kingstone Companies: Staying Bullish Even After Pullback Kingstone benefits from key competitors exiting the NY market, creating a clear path to scale and improve its competitive position. Strong Q1 results, with 23% growth in direct premiums and 45% EBITDA growth, highlight improving profitability and pricing power. Valuation is highly attractive, trading at just 6.4x 2026 EPS, with potential for a significant re-rating as KINS executes and gains visibility. seekingalpha.com - 1 week ago
Kingstone Reinstates Quarterly Cash Dividend Reflecting Strong Financial Position KINGSTON, NY / ACCESS Newswire / July 22, 2025 / Kingstone Companies, Inc. (NASDAQ:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced that its Board of Directors has declared a quarterly cash dividend on its common stock for the first time since the third quarter of 2022. The Company will pay a dividend of $0.05 per share of its common stock, payable on August 26, 2025, to stockholders of record at the close of business on August 11, 2025. accessnewswire.com - 2 weeks ago
Kingstone Schedules its Annual Meeting of Stockholders and Second Quarter 2025 Earnings Conference Call KINGSTON, NY / ACCESS Newswire / July 17, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) ("Kingstone" or the "Company"), a Northeast regional property and casualty insurance holding company, today announced that its Annual Meeting of Stockholders will be held on Wednesday, August 6, 2025, and has scheduled its second quarter 2025 conference call for Friday, August 8, 2025. Annual Meeting of Stockholders Kingstone Companies, Inc. will host its 2025 Annual Meeting of Stockholders in a virtual format on Wednesday, August 6, 2025, at 9:00am ET. accessnewswire.com - 2 weeks ago
Are Investors Undervaluing Kingstone Companies (KINS) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 weeks ago
Kingstone Announces its Addition to Russell 3000 and Russell 2000 Indexes KINGSTON, NY / ACCESS Newswire / June 30, 2025 / Kingstone Companies, Inc. (NASDAQ:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced that it has been added as a member of the broad-market Russell 3000® Index, with automatic inclusion in the small-cap Russell 2000® Index, effective after the U.S. market opens on Monday, June 30, 2025, as part of the 2025 Russell indexes reconstitution. Meryl Golden, Chief Executive Officer at Kingstone, stated, "The past year has been transformational for Kingstone, and we are pleased to have earned inclusion in the Russell indexes, among the most widely recognized benchmarks for small-cap stocks. accessnewswire.com - 1 month ago
Kingstone's Reinsurance Program: Why it is a Cornerstone of Growth KINS boosts its catastrophe reinsurance limit by 57% with minimal cost impact, fueling capital efficiency and premium growth. zacks.com - 1 month ago
Kingstone Announces its 2025/2026 Catastrophe Reinsurance Placement KINGSTON, NY / ACCESS Newswire / June 23, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced that its catastrophe reinsurance program for the period July 1, 2025 through June 30, 2026 has been finalized. Meryl Golden, Chief Executive Officer at Kingstone, stated, "I am pleased to announce the successful completion of our 2025/2026 catastrophe reinsurance placement with favorable economic terms. accessnewswire.com - 1 month ago
Kingstone's Policy Growth Steady: Will it Fuel Premium Acceleration? KINS rides on new policies and premium growth as rivals exit key markets, aiming for stronger profits in 2025. zacks.com - 1 month ago
Kingstone Companies Stock Down 3% YTD: Should You Buy the Dip? KINS stock lags the market YTD, but strong 2025 earnings guidance and margin gains point to a turnaround in motion. zacks.com - 1 month ago
Kingstone Unlocks Growth In The Wake Of Market Disruption Kingstone is taking advantage of the retreat of competitors in New York and is quickly gaining market share through independent agents. Net profit grew 172% in Q1, driven by higher premiums, lower claims frequency, and lower reinsurance. The renewal rights deal with AmGUARD could generate $25–35 million in additional premiums from Q3 2025. seekingalpha.com - 1 month ago
KINS Focuses on Personal Lines Business: Will This Accelerate Growth? KINS sharpens its focus on personal lines, digital tools and underwriting discipline to drive regional growth. zacks.com - 1 month ago
Kingstone Returns to Profitability: Can It Retain the Momentum? KINS returns to profit with a 1610 bps net margin boost and eyes growth as rivals exit the personal property space. zacks.com - 2 months ago
8. Profile Summary

Kingstone Companies, Inc. KINS

image
COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 218 M
Dividend Yield 0.00%
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.
Contact 15 Joys Lane, Kingston, NY, 12401 https://www.kingstonecompanies.com
IPO Date Oct. 26, 1999
Employees 99
Officers Ms. Meryl S. Golden President, Chief Executive Officer & Director Mr. Victor Jay Brodsky CPA Chief Accounting Officer Ms. Sarah Chen Chief Actuary & SVice President and Head of Product Management of Kingstone Insurance Company Mr. Floyd R. Tupper CPA Secretary & Independent Director Mr. David Fernandez Senior Vice President & Chief Claims Officer