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KINS 
Kingstone Companies Inc (KINS)
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Upturn Advisory Summary
12/03/2025: KINS (3-star) is a STRONG-BUY. BUY since 31 days. Simulated Profits (0.74%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $22
1 Year Target Price $22
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 194.27% | Avg. Invested days 36 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 211.93M USD | Price to earnings Ratio 6.6 | 1Y Target Price 22 |
Price to earnings Ratio 6.6 | 1Y Target Price 22 | ||
Volume (30-day avg) 1 | Beta 0.43 | 52 Weeks Range 13.04 - 22.25 | Updated Date 12/3/2025 |
52 Weeks Range 13.04 - 22.25 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 0.34% | Basic EPS (TTM) 2.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-11-06 | When - | Estimate 0.61 | Actual 0.74 |
Profitability
Profit Margin 15.84% | Operating Margin (TTM) 24.76% |
Management Effectiveness
Return on Assets (TTM) 6.16% | Return on Equity (TTM) 37.59% |
Valuation
Trailing PE 6.6 | Forward PE 7.47 | Enterprise Value 190474750 | Price to Sales(TTM) 1.07 |
Enterprise Value 190474750 | Price to Sales(TTM) 1.07 | ||
Enterprise Value to Revenue 0.95 | Enterprise Value to EBITDA 76.76 | Shares Outstanding 14147428 | Shares Floating 11444137 |
Shares Outstanding 14147428 | Shares Floating 11444137 | ||
Percent Insiders 22.58 | Percent Institutions 52.42 |
Upturn AI SWOT
Kingstone Companies Inc
Company Overview
History and Background
Kingstone Companies, Inc. is a property and casualty insurance holding company founded in 2005. It focuses on providing coverage to small businesses and individuals, primarily in New York.
Core Business Areas
- Commercial Lines Insurance: Kingstone provides commercial auto, business owners policies (BOP), and other commercial property and liability coverage.
- Personal Lines Insurance: Kingstone offers homeowners, renters, and dwelling fire insurance policies.
Leadership and Structure
Barry Bussel is the Chairman and CEO. The company operates with a standard corporate structure, including executive management, underwriting, claims, and sales divisions.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Kingstone also provide commercial auto policies and business owners policies. Market share data is difficult to pinpoint exactly. Competitors include Progressive, Liberty Mutual, The Hartford.
- Homeowners Insurance: Kingstone offers homeowners insurance policies, primarily in New York. Market share data is difficult to pinpoint exactly but its presence in NY indicates a small but viable position. Competitors include Allstate, State Farm, Travelers.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and regulated. It is influenced by factors such as economic conditions, weather events, and regulatory changes.
Positioning
Kingstone is a regional player focusing on niche markets within New York, giving it a focused approach. Its smaller size can be both an advantage and a disadvantage compared to larger national carriers.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is estimated to be several hundred billion dollars. Kingstone focuses on smaller market segments within specific states.
Upturn SWOT Analysis
Strengths
- Regional Focus
- Niche Market Expertise
- Strong Local Presence
Weaknesses
- Limited Geographic Diversification
- Smaller Capital Base Compared to National Players
- Susceptibility to Regional Weather Events
Opportunities
- Expanding into Adjacent Markets
- Developing New Insurance Products
- Leveraging Technology to Improve Efficiency
Threats
- Increased Competition
- Rising Claims Costs
- Regulatory Changes
- Catastrophic Weather Events
Competitors and Market Share
Key Competitors
- ALL (Allstate)
- TRV (Travelers)
- PRG (Progressive)
- HIG (The Hartford)
Competitive Landscape
Kingstone faces significant competition from larger, more established insurers. Its competitive advantage lies in its regional focus and local expertise.
Growth Trajectory and Initiatives
Historical Growth: Review Kingstone's past financial performance for insights into historical growth rates.
Future Projections: Consult analyst reports for projections on Kingstone's future growth, revenue, and earnings.
Recent Initiatives: Review Kingstone's press releases and investor presentations for information on recent strategic initiatives.
Summary
Kingstone Companies Inc. is a regional insurer with a focus on niche markets in New York. While its regional focus and local expertise can be advantages, it faces competition from larger, better-capitalized players. Its success depends on effective risk management, prudent underwriting, and capitalizing on growth opportunities within its target markets. Exposure to catastrophic weather events and regulatory changes represent key risks to consider.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share are estimates for P&C insurance market and not for all product lines.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kingstone Companies Inc
Exchange NASDAQ | Headquaters Kingston, NY, United States | ||
IPO Launch date 1999-10-26 | President, CEO & Director Ms. Meryl S. Golden | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 99 | |
Full time employees 99 | |||
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company (KICO), provides property and casualty insurance products in the United States. It 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 provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. In addition, the company offers reinsurance products. It underwrites 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.
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