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Kingstone Companies, Inc. KINS
Financial Services - Insurance - Property & Casualty - NASDAQ - US
Watchlist
$ 15.26
-1.77 %
$ 214 M
Market Cap
9.2
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one KINS stock under the worst case scenario is HIDDEN Compared to the current market price of 15.3 USD, Kingstone Companies, Inc. is HIDDEN

KINS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one KINS stock under the base case scenario is HIDDEN Compared to the current market price of 15.3 USD, Kingstone Companies, Inc. is HIDDEN

KINS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one KINS stock under the best case scenario is HIDDEN Compared to the current market price of 15.3 USD, Kingstone Companies, Inc. is HIDDEN

KINS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart KINS

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1M -11%
6M -5%
1Y 225%
3Y 298%
5Y 243.0%
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 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '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.
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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.
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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.
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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.
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KINS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.04 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.45000.45000.40000.40000.35000.35000.30000.30000.25000.25000.20000.20000.15000.15000.10000.10000.05000.05000.00000.00000.050.06250.06250.10.10.06250.040.040.050.06250.080.10.10.040.040.040.050.06250.080.10.06250.040.040.040.06250.210.06250.250.080.300.10.400.06250.330.040.180.040.160.122015201520162016201720172018201820192019202020202021202120222022
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership Kingstone Companies, Inc.
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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 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 weeks ago
KINS vs. UFCS: Which Regional Insurer Offers Better Value Investment? Despite a rise in catastrophic events, the property and casualty insurance industry is projected to grow, supported by a strong emphasis on personalized products and enhanced customer engagement through digital innovation. Higher premium volumes —driven by solid policyholder retention, broader exposure across business lines and favorable pricing — are helping insurers sustain profitability. zacks.com - 2 weeks ago
Kingstone Companies: Still Improving Kingstone Companies delivered strong 1Q25 results, with top-line growth of 40% year-over-year, driven by higher prices and new business. Core business premiums surged due to a 68% increase in new business count and a 19% higher renewal average premium in property lines. Net profit margins improved nearly 400 basis points year-over-year, despite a typical seasonal dip in first quarter profitability. seekingalpha.com - 3 weeks ago
Kingstone Successfully Sponsors Inaugural $125 Million Catastrophe Bond KINGSTON, NY / ACCESS Newswire / May 22, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced the successful issuance of a $125 million catastrophe bond, marking a significant milestone in the company's strategic risk transfer and capital management initiatives. The catastrophe bond issuance is the first sponsored by the Company's subsidiary, Kingstone Insurance Company. accessnewswire.com - 3 weeks ago
KINS Trades at a Premium to Industry: Will You Still Buy the Stock? KINS' focus on growing its core business, strengthening its niche market, improving pricing and combined ratio and expanding margins bodes well for growth. zacks.com - 4 weeks ago
Solid Cash Flow Growth Makes These 4 Stocks Worth Buying Now Cash indicates a company's true financial health. So, companies with rising cash flows like NOMD, DXPE, GLDD and KINS are worth buying. zacks.com - 1 month ago
Kingstone's Q1 Validates My Bullish Thesis Despite Lingering Risks Kingstone's turnaround continues with strong Q1 results, consistent profitability, and a disciplined underwriting approach driving operational momentum and deep value. Strategic shifts—like the Select product line and AmGUARD deal—are improving risk profile, premium growth, and capital efficiency, while a debt-free balance sheet adds flexibility. Valuation remains compressed despite 30%+ earnings growth, as investor skepticism lingers from past missteps, regional concentration, and ongoing leadership gaps. seekingalpha.com - 1 month ago
Buy These 5 Low-Leverage Stocks Amid Easing U.S.-China Trade Tension The crux of safe investment lies in choosing a company that is not burdened with debt. You may buy SRCE, KINS, MTZ, DORM and STRL. zacks.com - 1 month ago
Kingstone Companies, Inc. (KINS) Q1 2025 Earnings Call Transcript Kingstone Companies, Inc. (KINS) Q1 2025 Earnings Call Transcript seekingalpha.com - 1 month ago
Kingstone Reports First Quarter 2025 Results Achieves Sixth Consecutive Quarter of Profitability; Reaffirms Full Year 2025 Guidance KINGSTON, NY / ACCESS Newswire / May 8, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced its financial results for the first quarter ended March 31, 2025. The Company will hold its first quarter 2025 financial results conference call on Friday, May 9, 2025, at 8:30 a.m. accessnewswire.com - 1 month ago
Recent Price Trend in Kingstone Companies (KINS) is Your Friend, Here's Why Kingstone Companies (KINS) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move. zacks.com - 1 month ago
Kingstone Companies: Results Confirm The Thesis, Selloff Presents Opportunities Kingstone Companies has executed a great turnaround, delivering profits and high returns for its shareholders. The guidance for 2025 is very strong, and the balance sheet is currently debt-free. Despite all this, KINS still trades at under 10x 2025 earnings, which makes it an attractive investment. seekingalpha.com - 1 month ago
8. Profile Summary

Kingstone Companies, Inc. KINS

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 214 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