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Upturn AI SWOT - About
KINS 
Kingstone Companies Inc (KINS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/31/2025: KINS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
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 168.53% | Avg. Invested days 34 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 206.17M USD | Price to earnings Ratio 7.11 | 1Y Target Price 22 |
Price to earnings Ratio 7.11 | 1Y Target Price 22 | ||
Volume (30-day avg) 1 | Beta 0.49 | 52 Weeks Range 10.26 - 22.33 | Updated Date 11/1/2025 |
52 Weeks Range 10.26 - 22.33 | Updated Date 11/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-11-06 | When - | Estimate 0.61 | Actual - |
Profitability
Profit Margin 15% | Operating Margin (TTM) 27.24% |
Management Effectiveness
Return on Assets (TTM) 6.08% | Return on Equity (TTM) 40.61% |
Valuation
Trailing PE 7.11 | Forward PE 7.47 | Enterprise Value 180627215 | Price to Sales(TTM) 1.12 |
Enterprise Value 180627215 | Price to Sales(TTM) 1.12 | ||
Enterprise Value to Revenue 0.97 | Enterprise Value to EBITDA 76.76 | Shares Outstanding 14140604 | Shares Floating 11437203 |
Shares Outstanding 14140604 | Shares Floating 11437203 | ||
Percent Insiders 22.59 | Percent Institutions 47.3 |
Upturn AI SWOT
Kingstone Companies Inc
Company Overview
History and Background
Kingstone Companies, Inc. (KINS) focuses on property and casualty insurance. Founded in 1986, the company has evolved from a regional player to a provider across New York and the Northeast.
Core Business Areas
- Personal Lines: Provides personal lines property and casualty insurance products, including homeowners, dwelling fire, and personal umbrella policies.
- Commercial Lines: Offers commercial lines property and casualty insurance products, including business owners and commercial auto policies.
Leadership and Structure
The leadership team consists of executive officers responsible for strategic direction and operational management. The organizational structure is typical of a publicly traded insurance company, with departments for underwriting, claims, actuarial, and finance.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Homeowners insurance constitutes a significant portion of Kingstone's business. Market share data is challenging to pinpoint precisely due to the fragmented nature of the regional insurance market. Competitors include large national insurers and other regional carriers like Allstate (ALL), Progressive (PGR), and Utica Mutual.
- Dwelling Fire Insurance: Dwelling fire insurance provides coverage for properties not occupied by the owner. Market share data is not readily available. Competitors include Allstate (ALL), Progressive (PGR), and State Farm (not publicly traded).
- Commercial Auto Insurance: Provides coverage for businesses that use vehicles. Market share data is not readily available. Competitors include The Travelers Companies (TRV) and Progressive (PGR).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight. Factors such as weather events, economic conditions, and interest rates impact profitability.
Positioning
Kingstone Companies Inc. positions itself as a regional insurer focused on providing personalized service and tailored products. Its competitive advantage lies in its local expertise and relationships with independent agents.
Total Addressable Market (TAM)
The property and casualty insurance market is multi-billion dollar market annually, with significant growth tied to the housing market and economic expansion. Kingstone's TAM is focused within the New York and Northeast regions. The company is capturing a small portion of its TAM, indicating room for growth.
Upturn SWOT Analysis
Strengths
- Regional Expertise
- Strong Agency Relationships
- Focus on Underwriting Discipline
- Experienced Management Team
Weaknesses
- Limited Geographic Diversification
- Smaller Market Share Compared to National Players
- Vulnerability to Regional Catastrophic Events
- Reliance on Independent Agents
Opportunities
- Expanding Product Offerings
- Geographic Expansion within the Northeast
- Leveraging Technology to Improve Efficiency
- Acquiring Smaller Regional Insurers
Threats
- Increased Competition from National Insurers
- Rising Claims Costs Due to Weather Events
- Changes in Regulatory Environment
- Economic Downturn Affecting Premium Volume
Competitors and Market Share
Key Competitors
- ALL
- PGR
- TRV
- VRRM
Competitive Landscape
Kingstone competes with national and regional insurers. Its advantage is personalized service, but it lacks the scale and resources of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: To be updated with current financial data.
Future Projections: Future growth depends on the company's ability to expand its market share, control costs, and manage risk effectively. Analyst estimates vary.
Recent Initiatives: To be updated with current financial data.
Summary
Kingstone Companies is a regional insurance provider focusing on the Northeast market. It has strengths in local expertise but faces challenges from larger national competitors and regional catastrophic events. Its ability to leverage technology and expand strategically will be key to its future growth. Investors should be mindful of its vulnerability to weather-related claims and economic downturns.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Industry Reports, Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is estimated.
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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