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Upturn AI SWOT - About
KINS 
Kingstone Companies Inc (KINS)
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Upturn Advisory Summary
07/08/2025: KINS (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
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 192.56% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 07/08/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 217.93M USD | Price to earnings Ratio 9.54 | 1Y Target Price 22 |
Price to earnings Ratio 9.54 | 1Y Target Price 22 | ||
Volume (30-day avg) 1 | Beta 0.61 | 52 Weeks Range 4.65 - 22.40 | Updated Date 07/8/2025 |
52 Weeks Range 4.65 - 22.40 | Updated Date 07/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.25% | Operating Margin (TTM) 10.14% |
Management Effectiveness
Return on Assets (TTM) 5.17% | Return on Equity (TTM) 35.29% |
Valuation
Trailing PE 9.54 | Forward PE 7.47 | Enterprise Value 185804284 | Price to Sales(TTM) 1.28 |
Enterprise Value 185804284 | Price to Sales(TTM) 1.28 | ||
Enterprise Value to Revenue 1.09 | Enterprise Value to EBITDA 76.76 | Shares Outstanding 14005800 | Shares Floating 11580973 |
Shares Outstanding 14005800 | Shares Floating 11580973 | ||
Percent Insiders 21.17 | Percent Institutions 37.1 |
Upturn AI SWOT
Kingstone Companies Inc
Company Overview
History and Background
Kingstone Companies, Inc. is a property and casualty insurance holding company operating through its subsidiary, Kingstone Insurance Company. Founded to provide affordable insurance solutions, it has evolved by focusing on underserved markets and expanding its product offerings within specific geographic areas.
Core Business Areas
- Personal Lines Insurance: Kingstone offers various personal lines insurance products, including homeowners, renters, and dwelling fire insurance. These policies provide coverage against property damage, liability, and related losses for individual homeowners and renters.
- Commercial Lines Insurance: Kingstone also provides commercial lines insurance tailored to small businesses. These products include general liability, commercial property, and other coverages necessary to protect businesses from potential risks and liabilities.
Leadership and Structure
Kingstone is led by a management team with experience in the insurance industry. The organizational structure comprises executive leadership, underwriting, claims, sales, and support departments.
Top Products and Market Share
Key Offerings
- Description: The company's homeowners insurance product provides coverage for damage to dwellings and personal property, as well as liability protection in case of injuries on the property. Kingstone's competitors are other companies, such as Allstate and State Farm, which offer comparable products.
- Homeowners Insurance: Kingstone's Homeowners insurance covers property damage, liability, and other losses for homeowners. Market share data is limited due to the fragmented nature of the regional insurance market. Competitors include larger national carriers like Allstate, State Farm, and regional players.
- Dwelling Fire Insurance: Kingstone's Dwelling Fire insurance protects properties that do not qualify for a traditional homeowners policy. Market share is relatively small. Competitors include other regional and specialty insurers.
- Commercial General Liability: Kingstone's Commercial General Liability insurance helps to protect small businesses from financial losses as a result of any claims they may have. Market share is relatively small. Competitors include large national carriers like Travelers, Hartford and regional players.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight. Key trends include the increasing use of technology, rising claims costs, and evolving consumer preferences.
Positioning
Kingstone focuses on niche markets, underserved areas, and smaller clients, providing customized solutions. This allows them to better handle specific risk and tailor products to local needs.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is estimated to be hundreds of billions of dollars annually. Kingstone's positioning targets specific segments within this broader market.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Specialized in niche markets
- Experienced management team
- Customer-focused service
Weaknesses
- Limited geographic reach
- Smaller market share compared to national players
- Dependence on independent agents
- Exposure to weather-related events
Opportunities
- Expanding into new geographic areas
- Developing new insurance products
- Leveraging technology for improved efficiency
- Acquiring smaller competitors
Threats
- Increased competition from larger insurers
- Rising reinsurance costs
- Economic downturn impacting insurance demand
- Regulatory changes
Competitors and Market Share
Key Competitors
- ALL (The Allstate Corporation)
- SF (State Farm Mutual Automobile Insurance Company)
- TRV (The Travelers Companies, Inc.)
- HIG (Hartford Financial Services Group)
Competitive Landscape
Kingstone faces intense competition from larger national and regional insurers. Its advantages lie in its niche focus, regional expertise, and customer service. Its disadvantages include its smaller scale and limited brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Please provide specific years to pull from for historical growth trends.
Future Projections: Please provide specific analyst estimates and sources for future growth projections.
Recent Initiatives: Please provide information on recent strategic initiatives undertaken by Kingstone Companies Inc.
Summary
Kingstone Companies is a niche insurance provider focusing on underserved markets. While it has strengths in regional presence and specialized service, its limited scale and competitive landscape present challenges. Successful execution of growth opportunities and technological improvements will be critical for future success. KINS needs to focus on growing revenue. Its weakness is its inability to scale. KINS also has a lot of opportunity.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is approximate and may vary.
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, 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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