📊 KINS Key Takeaways
Is KINS a Good Investment? Thesis Analysis
Kingstone demonstrates exceptional financial fundamentals with 122% YoY net income growth, 19% net margins, and a fortress balance sheet (0.04x D/E ratio), indicating superior underwriting discipline. The company generates outstanding free cash flow ($73.1M, 34% FCF margin) with minimal leverage, though insurance cyclicality and catastrophe exposure remain material risks to future profitability sustainability.
Why Buy KINS? Key Strengths
- Exceptional earnings momentum: 122% net income growth and 94.6% EPS growth with 38.5% revenue expansion
- Outstanding profitability: 19% net margin, 33.2% ROE, 9% ROA, and 23.8% operating margin demonstrate superior underwriting discipline
- Fortress balance sheet: Minimal debt (0.04x D/E), only $4.4M long-term debt, and 25.7x interest coverage ratio
- Exceptional cash generation: $73.1M free cash flow with 34% FCF margin demonstrates sustainable earnings quality
KINS Investment Risks to Consider
- Insurance underwriting cyclicality: Premium growth and margins may compress as competitive market conditions normalize
- Catastrophe loss exposure: Property & casualty insurer vulnerable to natural disasters and aggregate claim volatility
- Regulatory and competitive pressures: Heavily regulated sector faces ongoing pricing competition and capital requirements
- Limited financial cushion: Only $12.2M cash reserves relative to $453.4M asset base and operational scale
Key Metrics to Watch
- Combined ratio trend and claims frequency patterns indicating sustainability of underwriting profitability
- Premium retention rates and new business growth as competitive environment evolves
- Investment portfolio performance and net investment income with changing interest rate environment
- Catastrophic loss occurrence frequency and impact on loss reserves and capital ratios
KINS Financial Metrics
💡 AI Analyst Insight
The 34.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
KINS Profitability Ratios
KINS vs Finance Sector
How KINGSTONE COMPANIES, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is KINS Overvalued or Undervalued?
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.
KINS Balance Sheet & Liquidity
KINS 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
KINS Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $29.0M | -$522.0K | $-0.05 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
KINS Capital Allocation
KINS SEC 10-K & 10-Q Filing 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 an AI rating of STRONG BUY with 87% confidence, based on fundamental analysis of SEC EDGAR filings.
What are KINS's key strengths?
Claude: Exceptional earnings momentum: 122% net income growth and 94.6% EPS growth with 38.5% revenue expansion. Outstanding profitability: 19% net margin, 33.2% ROE, 9% ROA, and 23.8% operating margin demonstrate superior underwriting discipline.
What are the risks of investing in KINS?
Claude: Insurance underwriting cyclicality: Premium growth and margins may compress as competitive market conditions normalize. Catastrophe loss exposure: Property & casualty insurer vulnerable to natural disasters and aggregate claim volatility.
What is KINS's revenue and growth?
KINGSTONE COMPANIES, INC. reported revenue of $214.9M.
Does KINS pay dividends?
KINGSTONE COMPANIES, INC. pays dividends, with $1.4M 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 $2.88.
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 April 2026, KINGSTONE COMPANIES, INC. has a STRONG BUY rating with 87% 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 33.2% (sector avg: 12%), net margin of 19.0% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy KINS stock in 2026?
Our dual AI analysis gives KINGSTONE COMPANIES, INC. a combined STRONG 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 $75.9M, with capital expenditures of $2.8M. FCF margin is 34.0%.
How does KINS compare to other Finance stocks?
Vs Finance sector averages: Net margin 19.0% (avg: 25%), ROE 33.2% (avg: 12%), current ratio N/A (avg: 1.2).