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KINGSTONE COMPANIES, INC.

Data quality: 100%

KINS

NASDAQ Financial Services Insurance Carriers

$15.26

▲ $0.18 (1.19%)

Mkt Cap: 222.80 M

Price

$15.39

Mkt Cap

222.80 M

Day Range

—

52-Week Range

—

Volume

—

Open —

50D / 200D Avg

—

50D / 200D Avg

—

Quick Summary

Key Takeaways

Revenue grew 7.44% annually over 5 years — modest growth

Earnings grew 122.06% over the past year

ROE of 40.26% indicates high profitability

Net margin of 18.97% shows strong profitability

Debt/Equity of 0.04 — conservative balance sheet

Generating 73.05 M in free cash flow

Growth

Revenue Growth (5Y)

7.44%

Above sector avg (5.76%)

Revenue (1Y)38.50%

Earnings (1Y)122.06%

FCF Growth (3Y)N/A

Quality

Return on Equity

40.26%

Above sector avg (9.22%)

ROICN/A

Net Margin18.97%

Op. MarginN/A

Safety

Debt / Equity

0.04

Below sector avg (0.49)

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM|NTM|2027)

5.47 | 5.20 | 5.31

Below sector avg (11.12)

P/B Ratio2.07

EV/EBITDAN/A

Dividend Yield0.97%

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)

Metric	Stock	Sector Median
P/E	5.5	11.1
P/B	2.1	1.2
ROE %	40.3	9.2
Net Margin %	19.0	9.4
Rev Growth 5Y %	7.4	5.8
D/E	0.0	0.5

Analyst Price Target

1 analyst

Buy

Current

$15.26

+40.9%

Target

$21.50

Forecast

Forward P/E 5.20

Forward EPS $2.90

EPS Growth (est.) +26.1%

Est. Revenue 314.10 M

Earnings Estimates

Period	EPS Est.	Revenue Est.	Analysts
FY2027	$2.90 $2.90 – $2.90	314.10 M	1
FY2026	—	230.86 M	1

Period	EPS Est.	Revenue Est.	Analysts
2026 Q2	$0.80 $0.80 – $0.80	61.80 M	1
2026 Q1	-$0.26 -$0.26 – -$0.26	58.20 M	1

Earnings Surprises

Last 3 quarters

Quarter	Est. EPS	Actual EPS	Surprise
Q32025	$0.71	$0.73	+2.8%
Q22025	$0.55	$0.75	+36.4%
Q12025	$0.00	$0.17	0.0%

ETFs Holding This Stock

BRUSX BRUSX

0.39% weight

SQLV Royce Quant Small-Cap Quality Value ETF

0.26% weight

GISMX GISMX

0.08% weight

GSMRX GSMRX

0.08% weight

GMSMX GMSMX

0.08% weight

BSVO EA Bridgeway Omni Small-Cap Value ETF

0.03% weight

AVSC Avantis U.S. Small Cap Equity ETF

0.02% weight

AVSCX AVSCX

0.02% weight

ANGCX ANGCX

0.02% weight

ANGLX ANGLX

0.02% weight

Dividend History

13 yr streak

Yield

0.97%

Payout Ratio

5.21%

Growth (3Y)

-18.24%

Growth (5Y)

-24.21%

Ex-Date	Payment Date	Amount	Yield
Feb 11, 2026	—	$0.05	N/A
Nov 10, 2025	—	$0.05	N/A
Aug 11, 2025	—	$0.05	N/A
Aug 30, 2022	—	$0.04	N/A
May 27, 2022	—	$0.04	N/A
Feb 25, 2022	—	$0.04	N/A
Nov 29, 2021	—	$0.04	N/A
Aug 30, 2021	—	$0.04	N/A
May 27, 2021	—	$0.04	N/A
Feb 25, 2021	—	$0.04	N/A
Nov 27, 2020	—	$0.04	N/A
Aug 28, 2020	—	$0.04	N/A
May 28, 2020	—	$0.04	N/A
Feb 27, 2020	—	$0.06	N/A
Nov 27, 2019	—	$0.06	N/A
Aug 29, 2019	—	$0.06	N/A
May 30, 2019	—	$0.10	N/A
Feb 27, 2019	—	$0.10	N/A
Nov 29, 2018	—	$0.10	N/A
Aug 30, 2018	—	$0.10	N/A

All Fundamental Metrics

Growth
Revenue Growth (1Y)	38.50%	Revenue Growth (3Y)	22.07%
Earnings Growth (1Y)	122.06%	Earnings Growth (3Y)	N/A
Revenue Growth (5Y)	7.44%	Earnings Growth (5Y)	N/A
Profitability
Revenue (TTM)	214.87 M	Net Income (TTM)	40.77 M
ROE	40.26%	ROA	9.92%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	18.97%	Free Cash Flow (TTM)	73.05 M
ROIC	N/A	FCF Growth (3Y)	N/A
Safety
Debt / Equity	0.04	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	0.52
Working Capital	N/A	Tangible Book Value	107.15 M
Dividends
Dividend Yield	0.97%	Payout Ratio	5.21%
Dividend Growth (3Y)	-18.24%	Dividend Growth (5Y)	-24.21%
Consecutive Div Years	13 yrs
Valuation
P/E Ratio	5.47	Forward P/E	5.20
P/B Ratio	2.07	P/S Ratio	1.04
PEG Ratio	N/A	Forward PEG	0.20
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	0.71	Fwd Earnings Yield	19.23%
FCF Yield	32.79%
Market Cap	222.80 M	Enterprise Value	227.55 M
Per Share
EPS (Diluted TTM)	2.88	Revenue / Share	14.84
FCF / Share	5.05	OCF / Share	5.24
EPS CAGR (1Y)	94.59%	EPS CAGR (5Y)	N/A
EPS CAGR (10Y)	10.85%
Efficiency
CapEx / Revenue	1.31%	FCF Conversion	179.19%
SBC-Adj. FCF	71.45 M	Growth Momentum	31.06

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	214.87 M	155.14 M	144.19 M	130.16 M	161.23 M
Net Income	40.77 M	18.36 M	-6.17 M	-22.52 M	-7.38 M
EPS (Diluted)	2.88	1.48	-0.57	-2.12	-0.70
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	2.56 M	2.45 M	2.97 M	3.30 M	3.29 M
Interest Expense	—	—	4.00 M	2.02 M	1.83 M
Income Tax	10.28 M	4.93 M	-1.20 M	-5.42 M	-2.03 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	453.43 M	374.92 M	317.63 M	320.33 M	331.31 M
Total Liabilities	330.69 M	308.21 M	283.13 M	284.16 M	255.64 M
Shareholders' Equity	122.73 M	66.71 M	34.50 M	36.17 M	75.67 M
Total Debt	4.44 M	11.17 M	18.43 M	25.16 M	29.82 M
Cash & Equivalents	—	—	8.98 M	11.96 M	24.29 M
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—

Strategy Scores

This stock passed the criteria for 3 strategies

Score = fit strength (0–100)

Rank = position among all matches

Growth Cash Flow Compounder

#70 of 350

Growth Capital Light Compounder

#10 of 85

Value Value Investing (Warren Buffett)

#22 of 27

Recent Activity

Entered Cash Flow Compounder

Apr 12, 2026

Entered Capital Light Compounder

Apr 12, 2026

Entered Value Investing (Warren Buffett)

Apr 12, 2026