Kingstone Companies stock analysis
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Kingstone Companies (KINS) Stock Price & Analysis
KINS Stock Chart & Stats
- Day’s Range
- $19.47 - $21.00
- 52-Week Range
- $13.83 - $21.00
- Previous Close
- $18.96
- Volume
- N/A
- Average Volume (3M)
- 77.77K
- Market Cap
- $296.18M
- Enterprise Value
- $262.31M
- Total Cash (Recent Filing)
- $336.77B
- Total Debt (Recent Filing)
- $3.47B
- Price to Earnings (P/E)
- 7.5
- Beta
- 0.54
- Next Earnings
- Mar 18, 2027 (Est.)
- EPS Estimate
- 1.07
- Last Dividend Ex-Date
- Nov 10, 2026
- Dividend Yield
- 1.00%
Bulls Say, Bears Say
Bulls Say
Premium And Policy Growth
Sustained premium and policy growth indicates expanding customer adoption and distribution reach. Higher earned premiums can support recurring revenue growth and operating leverage, while the larger policy base provides a stronger platform for progressing toward management’s long-term premium target.
Improved Underwriting Execution
A rebuilt claims organization and better settlement processes can improve loss-cost visibility and reduce reserve surprises over time. These operational gains strengthen underwriting discipline, support more consistent combined ratios, and make profitable growth more sustainable across future policy periods.
Capital And Reinsurance Strength
Growing equity, no holding-company debt, and substantial catastrophe protection provide financial flexibility for continued underwriting expansion. This capital position also improves resilience when claims are elevated, helping preserve the company’s ability to support policyholders and fund growth.
Bears Say
Catastrophe Exposure
Large catastrophe swings can materially reduce underwriting profitability even when non-catastrophe performance is improving. Elevated event losses also create earnings volatility, increase reliance on reinsurance, and may pressure capital generation during adverse weather periods.
New York Competition
Greater competition in the company’s core market can make profitable growth harder to achieve. More aggressive pricing and higher producer compensation may pressure retention economics, premium margins, and the ability to expand underwriting without weakening risk-adjusted returns.
California Expansion Shortfall
Underperformance in California limits geographic diversification and reduces the near-term contribution from a stated expansion initiative. The company is rejecting risks that fail its pricing or margin standards, which protects discipline but constrains the scale and speed of growth in that market.
Kingstone Companies News
Kingstone Companies partners with ZestyAI for wildfire risk analytics
Kingstone Companies (KINS) announced a partnership with ZestyAI to deploy property-level wildfire risk analytics as part of its planned expansion into the California homeowners market. Kingstone has integrated ZestyAI’s Z-FIRE
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Kingstone Companies Stock Smart Score
Company Description
Kingstone Companies
Kingstone Companies, Inc., through its operating entity Kingstone Insurance Company, focuses on delivering property and casualty insurance to individual clients across New York. The firm's product range encompasses various personal lines, including coverage for homeowners, multi-peril dwelling fire incidents, cooperative and condominium units, renters, and personal umbrella liability. Beyond personal policies, Kingstone also offers specialized physical damage-only insurance for commercial for-hire vehicles such as livery cars, car services, and taxicabs, alongside canine legal liability policies and reinsurance solutions. Its offerings are distributed through a broad network of retail and wholesale agents and brokers. Founded in 1886 and headquartered in Kingston, New York, the company was formerly known as DCAP Group, Inc., prior to its name change in July 2009.
- Sector
- Financial
- Industry
- Insurance - Property & Casualty
- CEO
- Meryl S. Golden
- Employees
- 113
- Website
- www.kingstonecompanies.com
- Address
- 120 Wood Road, Kingston, NY, 12401, US
Kingstone Companies (KINS) Earnings & Revenues
KINS Company Deck
KINS Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, supported by record quarterly earnings, substantial improvement in underlying underwriting performance, premium and policy growth, higher book value, stronger guidance, and a robust capital position. The principal challenges were elevated catastrophe losses, increased competition in New York, California growth running well below its initial plan, and unrealized bond portfolio losses. Management nevertheless expressed confidence in continued profitable growth and progress toward the $500 million direct-premiums-written goal.
View all KINS earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 6 | 1 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 12 | 0 | 0 |











