📊 KINS Key Takeaways
Is Kingstone Companies, Inc.. (KINS) a Good Investment?
Kingstone exhibits a compelling turnaround trajectory with 38.5% revenue growth and dramatic 122.1% net income improvement despite current losses. Strong positive free cash flow (13.2% FCF margin) and conservative balance sheet (0.04x leverage) provide financial stability while the company scales toward profitability, though sustained operational improvement remains essential.
Kingstone delivers a strong fundamental rebound: 38.5% top-line growth is converting to a 23.8% operating margin and 19.0% net margin, producing 33% ROE and healthy free cash flow. Low leverage and high interest coverage support resilience and capital flexibility. Continuation depends on maintaining underwriting discipline and stable reinsurance terms.
Why Buy Kingstone Companies, Inc.. Stock? KINS Key Strengths
- Strong revenue growth of 38.5% YoY demonstrates market traction and scaling
- Significant net income improvement of 122.1% YoY with loss magnitude shrinking substantially
- Healthy free cash flow generation ($7.9M) with robust 13.2% FCF margin despite operating losses
- Conservative balance sheet with minimal leverage (0.04x Debt/Equity) and manageable debt load
- Positive operating cash flow of $8.7M provides near-term financial runway
- Accelerating growth with significant margin expansion
- High ROE and strong FCF margin
- Low leverage and robust interest coverage
KINS Stock Risks: Kingstone Companies, Inc.. Investment Risks
- Company remains unprofitable with negative operating margin (-12.4%) and net margin (-9.7%)
- Negative ROE (-5.1%) and ROA (-1.2%) indicate ongoing shareholder value destruction
- Modest cash position ($11.4M) relative to $465.3M asset base may constrain strategic flexibility
- Insurance sector underwriting results are volatile and dependent on disciplined loss management
- Profitability milestone not yet achieved; sustained operational improvement required to validate turnaround
- Catastrophe/weather loss volatility and geographic concentration
- Reserve adequacy and potential adverse development
- Reinsurance cost inflation or tighter capacity
Key Metrics to Watch
- Quarterly operating income progression toward breakeven and profitability
- Underwriting loss ratio trends and combined ratio by segment
- Free cash flow consistency and cash position maintenance through underwriting cycles
- Net income trajectory and time to sustained GAAP profitability
- Premium retention and acquisition costs relative to book value growth
- Net combined ratio
- Reinsurance pricing and retention levels
Kingstone Companies, Inc.. (KINS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
KINS Profit Margin, ROE & Profitability Analysis
KINS vs Finance Sector: How Kingstone Companies, Inc.. Compares
How Kingstone Companies, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Kingstone Companies, Inc.. Stock Overvalued? KINS Valuation Analysis 2026
Based on fundamental analysis, Kingstone Companies, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Kingstone Companies, Inc.. Balance Sheet: KINS Debt, Cash & Liquidity
KINS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Kingstone Companies, Inc..'s revenue has grown significantly by 33% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.48 reflects profitable operations.
KINS Revenue Growth, EPS Growth & YoY Performance
KINS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $50.5M | $3.9M | $0.27 |
| Q3 2025 | $40.8M | $7.0M | $0.55 |
| Q2 2025 | $36.5M | $4.5M | $0.37 |
| Q1 2025 | $35.8M | $1.4M | $0.12 |
| Q3 2024 | $34.2M | -$3.5M | $-0.33 |
| Q2 2024 | $36.5M | -$522.0K | $-0.05 |
| Q1 2024 | $35.8M | $1.4M | $0.12 |
| Q3 2023 | $34.2M | -$3.5M | $-0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Kingstone Companies, Inc.. Dividends, Buybacks & Capital Allocation
KINS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Kingstone Companies, Inc.. (CIK: 0000033992)
📋 Recent SEC Filings
❓ Frequently Asked Questions about KINS
What is the AI rating for KINS?
Kingstone Companies, Inc.. (KINS) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are KINS's key strengths?
Claude: Strong revenue growth of 38.5% YoY demonstrates market traction and scaling. Significant net income improvement of 122.1% YoY with loss magnitude shrinking substantially. ChatGPT: Accelerating growth with significant margin expansion. High ROE and strong FCF margin.
What are the risks of investing in KINS?
Claude: Company remains unprofitable with negative operating margin (-12.4%) and net margin (-9.7%). Negative ROE (-5.1%) and ROA (-1.2%) indicate ongoing shareholder value destruction. ChatGPT: Catastrophe/weather loss volatility and geographic concentration. Reserve adequacy and potential adverse development.
What is KINS's revenue and growth?
Kingstone Companies, Inc.. reported revenue of $59.8M.
Does KINS pay dividends?
Kingstone Companies, Inc.. pays dividends, with $0.7M distributed to shareholders in the trailing twelve months.
Where can I find KINS SEC filings?
Official SEC filings for Kingstone Companies, Inc.. (CIK: 0000033992) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is KINS's EPS?
Kingstone Companies, Inc.. has a diluted EPS of $-0.40.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is KINS a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Kingstone Companies, Inc.. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is KINS stock overvalued or undervalued?
Valuation metrics for KINS: ROE of -5.1% (sector avg: 12%), net margin of -9.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy KINS stock in 2026?
Our dual AI analysis gives Kingstone Companies, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is KINS's free cash flow?
Kingstone Companies, Inc..'s operating cash flow is $8.7M, with capital expenditures of $835.8K. FCF margin is 13.2%.
How does KINS compare to other Finance stocks?
Vs Finance sector averages: Net margin -9.7% (avg: 25%), ROE -5.1% (avg: 12%), current ratio N/A (avg: 1.2).