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Upturn AI Summary - About
Kingstone Companies Inc(KINS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KINS
11/06/2026: KINS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Kingstone Companies Inc is a regional property and casualty insurer specializing in personal lines within the Northeastern United States. The company leverages deep local market expertise to compete against much larger national insurance carriers. Its primary opportunity lies in refining its underwriting model and utilizing technology to capture profitable segments while managing its regional concentration risk. Investors face significant risks, including the impact of severe weather events, regulatory pressures on pricing, and strong competitive headwinds. This stock may suit value-oriented investors who monitor the company's combined ratios and catastrophe management closely, rather than those seeking high-growth or low-volatility income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company operates in a mature industry where growth is typically steady rather than exponential. |
| Momentum investor | Weak fit | Performance is highly cyclical and dependent on external factors like catastrophe events, making technical momentum hard to sustain. |
| Value investor | Strong fit | As a small-cap insurance firm, it often trades based on book value and underwriting performance, potentially offering value if priced below intrinsic worth. |
| Dividend investor | Mixed fit | Dividends are dependent on underwriting profitability and regulatory capital requirements, which can fluctuate. |
| Low-risk investor | Weak fit | Exposure to catastrophe losses and market volatility in the insurance sector makes this a higher-risk profile for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to earnings surprises driven by unpredictable catastrophic insurance events. |
| Valuation risk | Medium | Valuation is tied to book value, which can be impacted by investment portfolio returns and underwriting outcomes. |
| Competition risk (National carrier scale) | High | Large national carriers have greater pricing power and diversification, which can squeeze margins for regional players. |
| Business quality | Medium | The business relies heavily on underwriting discipline and accurate actuarial modeling in a single primary region. |
| Dividend income | Medium | Payouts may be interrupted or reduced during years with high claim activity or capital constraints. |
| Execution risk | Medium / high | Success depends on the effective management of claims and premium pricing within a strictly regulated environment. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 62.64% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 296.18M USD | Price to earnings Ratio 7.66 | 1Y Target Price 24 |
Price to earnings Ratio 7.66 | 1Y Target Price 24 | ||
Volume (30-day avg) 78.8K shares | Beta 0.48 | 52 Weeks Range 13.77 - 21.00 | Updated Date 11/06/2026 |
52 Weeks Range 13.77 - 21.00 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 1.11% | Basic EPS (TTM) 2.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Underwriting Operations | Collection of insurance premiums for homeowners and related property policies. | The company makes money by collecting more in premiums than it pays out in claims and operating expenses. |
| Investment Portfolio | Income generated from the investment of insurance premiums and surplus funds. | The company earns interest and investment returns on the money it holds to pay future claims. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-05 | When After Market | Estimate 0.87 | Actual 1.22 |
Profitability
Profit Margin 16.96% | Operating Margin (TTM) 33.1% |
Management Effectiveness
Return on Assets (TTM) 7% | Return on Equity (TTM) 34.38% |
Valuation
Trailing PE 7.66 | Forward PE 7.47 | Enterprise Value 259.90M | Price to Sales(TTM) 1.2 |
Enterprise Value 259.90M | Price to Sales(TTM) 1.2 | ||
Enterprise Value to Revenue 1.09 | Enterprise Value to EBITDA 76.76 | Shares Outstanding 14.48M | Shares Floating 11.57M |
Shares Outstanding 14.48M | Shares Floating 11.57M | ||
Percent Insiders 18.19 | Percent Institutions 55.69 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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