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Kingstone Companies (KINS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Kingstone Companies
NasdaqCM•Financial Services•Insurance - Property & Casualty
$19.96-0.26(-0.01%)Market closed
Market Cap
$280.70M
P/E
8.0x
P/S
1.2x
P/B
2.2x

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, provides property and casualty insurance products in the United States. The company offers personal line of insurance products, such as homeowners, dwelling fire, cooperative/condominiums, renters, and personal umbrella policies; and commercial auto insurance products. It also underwrites for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. The company provides its products through retail and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is headquartered in Kingston, New York.

A

How this company scores

ExcellentMetricSide Score: 92/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (21/25).

Profitability24/25
Growth22/25
Balance Sheet & Red Flags21/25
Cash & Earnings Quality25/25
Strengths
Growing revenueRising free cash flowStrong marginsHigh ROE

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.0x5y range 5.9x – 161.6x
P/E 8.0x · near its 10-quarter median

Currently near its 10-quarter median.

P/S · 1.2x5y range 0.1x – 1.3x
P/S 1.2x · above its 20-quarter median

Currently above its 20-quarter median.

P/B · 2.2x5y range 0.4x – 2.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Share Dilution

Red Flag

Shares outstanding increased 27.0% — significant dilution, likely from stock compensation or capital raises.

Price & Volume
Market Cap $280.70M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$237.70M
7Q
Q. Revenue
$65.85M
7Q
TTM EBITDA
$47.07M
27%
TTM Op. Income
$44.27M
28%
Q. Op. Income
$19.51M
38%
TTM Net Income
$35.29M
28%
Q. Net Income
$15.47M
37%
EPS
$1.07
32%
Shares Out.
$14.48M
7Q
$237.70M in TTM revenue grew 28.0% YoY, reaching $65.85M last quarter. TTM EBITDA of $47.07M and TTM operating income of $44.27M show growth is flowing through to the bottom line. TTM net income of $35.29M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
30.8%
9%
Op. Margin
29.6%
9%
Net Margin
23.5%
9%
Op. margin of 29.6% is up 2.5% YoY — cost efficiency is improving. Net margin at 23.5% Over the past year, operating margin is up 9% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
8.0x
2Q
P/S Ratio
1.2x
2%
P/B Ratio
2.2x
4%
At 8.0x P/E, the stock trades below typical market levels. P/S of 1.2x and P/B of 2.2x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$477.93M
7Q
Cash
$16.92M
50%
Long-Term Debt
$2.47M
7Q
Book Value
$129.16M
36%
D/E Ratio
0.0
7Q
Debt/EBITDA
0.1
4Q
With $477.93M in assets and $2.47M in long-term debt, D/E is 0.0and book value is $129.16M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$28.75M
210%
TTM Free Cash Flow
$83.08M
20%
FCF Margin
34.9%
6%
FCF / Net Income
2.4
2Q
TTM FCF of $83.08M on $28.75M in operating cash flow. The FCF / Net Income ratio of 2.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 20% — an improving trend.

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· above its 20-quarter median

Currently above its 20-quarter median.