(KINS) Kingstone Companies - Overview
Stock: Homeowners, Renters, Dwelling, Umbrella, Commercial Auto
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.65% |
| Yield on Cost 5y | 1.42% |
| Yield CAGR 5y | -11.09% |
| Payout Consistency | 74.3% |
| Payout Ratio | 8.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 63.4% |
| Relative Tail Risk | -17.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.01 |
| Alpha | -26.73 |
| Character TTM | |
|---|---|
| Beta | 0.876 |
| Beta Downside | 1.266 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.84% |
| CAGR/Max DD | 3.23 |
Description: KINS Kingstone Companies January 01, 2026
Kingstone Companies, Inc. (NASDAQ: KINS) operates through its subsidiary, Kingstone Insurance Company (KICO), delivering a range of property-and-casualty products across the United States. Its portfolio includes personal lines-homeowners, dwelling fire, condo/co-op, renters, and umbrella policies-as well as commercial auto coverage, specialized for-hire vehicle physical-damage policies (livery, car service, taxis) and canine liability policies. The firm also writes reinsurance and distributes its products via retail and wholesale agents and brokers. Founded in 1886 and headquartered in Kingston, New York, the company rebranded from DCAP Group in July 2009.
Key operating metrics that analysts watch include a combined ratio of roughly 96% in the most recent quarter (indicating underwriting profitability) and a net written premium growth rate of about 4% YoY, driven largely by expanding personal-line volumes. The insurer’s investment income remains sensitive to the prevailing interest-rate environment, with a 1.8% yield on its investment portfolio as of the latest filing. Sector-wide, rising construction costs and heightened exposure to climate-related catastrophes are material drivers of loss trends for U.S. P&C insurers.
For a deeper dive into KINS’s valuation and risk profile, you might explore the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 31.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.17 > 0.02 and ΔFCF/TA 6.40 > 1.0 |
| NWC/Revenue: 17.8k% < 20% (prev 114.6%; Δ 17.7k% < -1%) |
| CFO/TA 0.18 > 3% & CFO 76.0m > Net Income 31.4m |
| Net Debt (-22.0m) to EBITDA (42.8m): -0.51 < 3 |
| Current Ratio: 4.79 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.6m) vs 12m ago 16.06% < -2% |
| Gross Margin: 51.84% > 18% (prev 0.59%; Δ 5125 % > 0.5%) |
| Asset Turnover: 51.72% > 50% (prev 43.13%; Δ 8.59% > 0%) |
| Interest Coverage Ratio: 40.01 > 6 (EBITDA TTM 42.8m / Interest Expense TTM 1.01m) |
Altman Z'' 10.00
| A: 83.13 (Total Current Assets 45.02b - Total Current Liabilities 9.39b) / Total Assets 428.6m |
| B: 0.05 (Retained Earnings 20.5m / Total Assets 428.6m) |
| C: 0.10 (EBIT TTM 40.3m / Avg Total Assets 387.8m) |
| D: 0.04 (Book Value of Equity 14.0m / Total Liabilities 320.9m) |
| Altman-Z'' Score: 546.3 = AAA |
Beneish M -4.00
| DSRI: 0.70 (Receivables 78.3m/83.3m, Revenue 200.5m/149.6m) |
| GMI: 1.13 (GM 51.84% / 58.58%) |
| AQI: -231.0 (AQ_t -104.1 / AQ_t-1 0.45) |
| SGI: 1.34 (Revenue 200.5m / 149.6m) |
| TATA: -0.10 (NI 31.4m - CFO 76.0m) / TA 428.6m) |
| Beneish M-Score: -140.6 (Cap -4..+1) = AAA |
What is the price of KINS shares?
Over the past week, the price has changed by +3.88%, over one month by -3.25%, over three months by +8.67% and over the past year by -12.99%.
Is KINS a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the KINS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21.5 | 34% |
| Analysts Target Price | 21.5 | 34% |
| ValueRay Target Price | 18.8 | 16.9% |
KINS Fundamental Data Overview February 03, 2026
P/E Forward = 7.4683
P/S = 1.1007
P/B = 2.0015
Revenue TTM = 200.5m USD
EBIT TTM = 40.3m USD
EBITDA TTM = 42.8m USD
Long Term Debt = 4.75m USD (from longTermDebt, last quarter)
Short Term Debt = 11.17b USD (from shortTermDebt, last fiscal year)
Debt = 4.75m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -22.0m USD (from netDebt column, last quarter)
Enterprise Value = 74.5m USD (218.6m + Debt 4.75m - CCE 148.8m)
Interest Coverage Ratio = 40.01 (Ebit TTM 40.3m / Interest Expense TTM 1.01m)
EV/FCF = 1.02x (Enterprise Value 74.5m / FCF TTM 73.4m)
FCF Yield = 98.44% (FCF TTM 73.4m / Enterprise Value 74.5m)
FCF Margin = 36.58% (FCF TTM 73.4m / Revenue TTM 200.5m)
Net Margin = 15.68% (Net Income TTM 31.4m / Revenue TTM 200.5m)
Gross Margin = 51.84% ((Revenue TTM 200.5m - Cost of Revenue TTM 96.6m) / Revenue TTM)
Gross Margin QoQ = 43.33% (prev 45.39%)
Tobins Q-Ratio = 0.17 (Enterprise Value 74.5m / Total Assets 428.6m)
Interest Expense / Debt = 1.53% (Interest Expense 72.6k / Debt 4.75m)
Taxrate = 20.67% (2.83m / 13.7m)
NOPAT = 31.9m (EBIT 40.3m * (1 - 20.67%))
Current Ratio = 4.79 (Total Current Assets 45.02b / Total Current Liabilities 9.39b)
Debt / Equity = 0.04 (Debt 4.75m / totalStockholderEquity, last quarter 107.7m)
Debt / EBITDA = -0.51 (Net Debt -22.0m / EBITDA 42.8m)
Debt / FCF = -0.30 (Net Debt -22.0m / FCF TTM 73.4m)
Total Stockholder Equity = 87.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 8.11% (Net Income 31.4m / Total Assets 428.6m)
RoE = 35.79% (Net Income TTM 31.4m / Total Stockholder Equity 87.9m)
RoCE = 43.49% (EBIT 40.3m / Capital Employed (Equity 87.9m + L.T.Debt 4.75m))
RoIC = 33.83% (NOPAT 31.9m / Invested Capital 94.4m)
WACC = 8.97% (E(218.6m)/V(223.3m) * Re(9.14%) + D(4.75m)/V(223.3m) * Rd(1.53%) * (1-Tc(0.21)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.49%
[DCF Debug] Terminal Value 65.94% ; FCFF base≈58.9m ; Y1≈38.7m ; Y5≈17.6m
Fair Price DCF = 22.41 (EV 295.1m - Net Debt -22.0m = Equity 317.1m / Shares 14.1m; r=8.97% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 77.43 | EPS CAGR: 88.29% | SUE: -3.09 | # QB: 0
Revenue Correlation: 73.90 | Revenue CAGR: 7.01% | SUE: 0.17 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.04 | Chg30d=-0.010 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=2.35 | Chg30d=-0.050 | Revisions Net=-1 | Growth EPS=+5.9% | Growth Revenue=+17.8%