Kingstone Companies (KINS) AI Stock Analysis

• Market Cap: $237.12M
• Dividend Yield: N/A
• Average Volume (3M): 418.45K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.66
• Revenue Growth: 22.35%
• EPS Growth: 6613.46%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 81
• Industry: Insurance - Property & Casualty
• EPS (TTM): 0.17
• Shares Outstanding: 14,005,797
• 10 Day Avg. Volume: 462,713
• 30 Day Avg. Volume: 418,450
• PEG Ratio: 1.23
• Price to Book (P/B): 4.05
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.35
• Enterprise Value/Market Cap: 1.18
• Enterprise Value/Revenue: 0.49
• Enterprise Value/Gross Profit: 1.81
• Enterprise Value/Ebitda: 3.77
• 1Y Price Target: $17.00
• Price Target Upside: 2.66% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: $18.00 ▲(8.70%Upside)

Kingstone Companies' stock score reflects a combination of mixed financial performance and neutral technical indicators, offset by a positive earnings call and supportive corporate events. The stock's valuation is fair, but the lack of a dividend reduces its appeal to some investors.

Kingstone Companies Business Overview & Revenue Model

Company Description

Kingstone Companies, Inc. is an insurance holding company primarily engaged in the property and casualty insurance sector. Through its subsidiaries, the company provides a range of insurance products, including personal and commercial lines. Its core offerings focus on homeowners, dwelling fire, and commercial liability insurance, serving clients primarily in the Northeastern United States.

How the Company Makes Money

Kingstone Companies generates revenue primarily through the underwriting and sale of insurance policies. The company collects premiums from policyholders, which serve as its main revenue stream. Additionally, Kingstone invests the premiums it collects in a diversified portfolio of securities, aiming to earn investment income. The company's earnings are also influenced by its ability to manage claims and expenses efficiently. Significant partnerships with independent agents and brokers help expand its reach and customer base, further contributing to its revenue growth.

Kingstone Companies Financial Statement Overview

Summary

Kingstone Companies exhibits a mixed financial picture. The income statement highlights profitability issues with negative net profit margins, while the balance sheet shows moderate leverage with improving debt-to-equity ratio. Cash flow analysis indicates some improvement in cash management, but there are periods of negative free cash flow growth.

Income Statement

The company has experienced mixed performance in its income statement. The revenue growth rate showed volatility, with a significant increase in the latest period (TTM) compared to previous years. However, the net profit margin has been negative for several periods, indicating challenges in profitability. The EBIT and EBITDA margins are also fluctuating, with recent annual data showing negative EBIT, which suggests operational inefficiencies.

Balance Sheet

The balance sheet shows a moderately stable equity position with an improving debt-to-equity ratio over the years, indicating manageable leverage. The equity ratio has some stability, suggesting a reasonable proportion of assets funded by equity. The return on equity is negative, impacted by consistent net losses, which is a concern for shareholder returns.

Cash Flow

Cash flow analysis reveals periods of negative free cash flow growth, indicating potential liquidity challenges. The operating cash flow to net income ratio is inconsistent, reflecting fluctuating cash generation efficiency. However, the latest TTM data shows strong operating cash flow, suggesting improved cash management in the short term.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
155.14M	123.14M	130.16M	161.23M	131.37M
	Gross Profit
155.14M	102.08M	130.16M	161.23M	131.37M
	EBIT
23.29M	-3.36M	-27.94M	-9.41M	-1.29M
	EBITDA
29.25M	-389.56K	-24.64M	-6.12M	1.58M
	Net Income Common Stockholders
18.36M	-6.17M	-22.52M	-7.38M	972.39K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
28.67M	8.98M	166.67M	182.37M	177.01M
	Total Assets
374.92M	247.22M	320.33M	331.31M	317.58M
	Total Debt
11.17M	25.29M	25.16M	29.82M	29.65M
	Net Debt
-17.50M	16.31M	13.20M	5.53M	10.18M
	Total Liabilities
308.21M	212.71M	284.16M	255.64M	224.78M
	Stockholders Equity
66.71M	34.50M	36.17M	75.67M	92.80M
Cash Flow		Free Cash Flow
55.61M	-13.15M	-5.47M	19.85M	-13.56M
	Operating Cash Flow
57.95M	-11.33M	-915.52K	24.35M	-10.23M
	Investing Cash Flow
-35.26M	9.46M	-5.91M	-15.95M	581.29K
	Financing Cash Flow
-2.99M	-1.12M	-5.51M	-3.57M	-3.27M

Kingstone Companies Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 16.56
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KINS, the sentiment is Neutral. The current price of 16.56 is below the 20-day moving average (MA) of 17.66, below the 50-day MA of 17.05, and above the 200-day MA of 13.92, indicating a neutral trend. The MACD of -0.27 indicates Positive momentum. The RSI at 46.56 is Neutral, neither overbought nor oversold. The STOCH value of 29.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KINS.

Kingstone Companies Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HRTG	76 Outperform	$725.86M	9.25	27.59%	―	11.41%	53.85%
Sector *	64 Neutral	$12.67B	9.74	7.58%	17015.08%	12.21%	-6.96%
KINS	60 Neutral	$237.12M	10.56	35.29%	―	22.35%	6613.46%
GBLI	60 Neutral	$430.10M	15.09	4.14%	4.65%	-10.61%	-19.48%
CNFR	58 Neutral	$9.90M	0.41	-251.22%	―	-25.13%	―
ACIC	56 Neutral	$523.18M	7.14	31.11%	―	12.19%	5.12%
NODK	46 Neutral	$263.91M	52.77	2.40%	―	-6.46%	―

Kingstone Companies Corporate Events

Kingstone Companies Reports Strong Q1 2025 Results

Kingstone Companies reported its first quarter 2025 financial results, achieving its sixth consecutive quarter of profitability. The company saw a 23% growth in direct premiums written for its core business, driven by a favorable competitive landscape in Downstate New York. Net income increased by 172% compared to the previous year, and the company reaffirmed its full-year 2025 guidance, reflecting optimism about its future prospects.

Kingstone Companies Issues Regulation FD Disclosure

Kingstone Companies has released a press statement, clarifying that the information provided is not to be considered material or complete for investment decisions. The company emphasizes that the press release information is furnished for informational purposes and not incorporated into any registration statement under the Securities Act.

Kingstone Companies CFO Jennifer Gravelle to Resign

On March 28, 2025, Kingstone Companies announced that Jennifer Gravelle, the Vice President, Chief Financial Officer, and Treasurer, will resign from her positions effective April 18, 2025, to pursue other opportunities. Her departure is not due to any disagreements with the company’s operations, policies, or practices.

Kingstone Companies Reports Record Q4 2024 Results

Kingstone Companies reported record financial results for the fourth quarter and full year 2024, with a 31% growth in core direct premiums written and a combined ratio of 80%. The company achieved its fifth consecutive quarter of profitability, driven by disciplined underwriting, lower frequency of losses, and no catastrophe losses, positioning itself for sustainable long-term profitability.