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Upturn AI SWOT - About
KINS 
Kingstone Companies Inc (KINS)
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Upturn Advisory Summary
08/28/2025: KINS (3-star) is currently NOT-A-BUY. Pass it for now.
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 174.79% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 193.44M USD | Price to earnings Ratio 6.57 | 1Y Target Price 22 |
Price to earnings Ratio 6.57 | 1Y Target Price 22 | ||
Volume (30-day avg) 1 | Beta 0.52 | 52 Weeks Range 8.22 - 22.33 | Updated Date 08/29/2025 |
52 Weeks Range 8.22 - 22.33 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-08-07 | When - | Estimate 0.59 | Actual 0.78 |
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 6.57 | Forward PE 7.47 | Enterprise Value 164789738 | Price to Sales(TTM) 1.05 |
Enterprise Value 164789738 | Price to Sales(TTM) 1.05 | ||
Enterprise Value to Revenue 0.89 | Enterprise Value to EBITDA 76.76 | Shares Outstanding 14140600 | Shares Floating 11670665 |
Shares Outstanding 14140600 | Shares Floating 11670665 | ||
Percent Insiders 21.29 | Percent Institutions 47.68 |
Upturn AI SWOT
Kingstone Companies Inc
Company Overview
History and Background
Kingstone Companies, Inc. (KINS) is a property and casualty insurance holding company that provides personal and commercial lines insurance products. Founded in 1979, the company initially focused on the New York metropolitan area. Over time, Kingstone has expanded its operations and product offerings.
Core Business Areas
- Personal Lines: Includes homeowners, renters, and dwelling fire insurance policies. These products protect individuals against losses from property damage, liability claims, and other covered events.
- Commercial Lines: Offers commercial auto, business owners, and other commercial property insurance policies. These products provide coverage for businesses against property damage, liability claims, and other risks.
Leadership and Structure
Barry Biegler is the CEO. The company operates with a typical corporate structure including a Board of Directors and various executive management positions responsible for different functional areas like underwriting, claims, finance, and sales.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Provides coverage for homeowners against various risks, including fire, theft, and liability. Market share data for Kingstone in this segment is not readily available publicly. Competitors include Allstate, State Farm, and Travelers.
- Dwelling Fire Insurance: Offers coverage for properties not occupied by the owner, typically rental properties. Specific market share data is unavailable. Competitors include smaller regional insurers specializing in rental property coverage.
- Commercial Auto Insurance: Provides coverage for businesses against auto related risks. Specific market share data is unavailable. Competitors include Progressive and Liberty Mutual.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and regulated. Factors affecting the industry include economic conditions, catastrophic events, and regulatory changes.
Positioning
Kingstone Companies Inc. is a regional insurer primarily focused on the New York metropolitan area. Its competitive advantages likely include local market expertise and established relationships with independent agents.
Total Addressable Market (TAM)
The US P&C insurance market is estimated to be over $700 billion. Kingstone, being a regional player, holds a small fraction of this total market. Their positioning is focused within specific geographical area(s) and insurance products, creating a niche for them within the overall insurance industry.
Upturn SWOT Analysis
Strengths
- Regional focus
- Strong relationships with independent agents
- Experienced management team
- Efficient Claims Process
Weaknesses
- Limited geographic diversification
- Smaller market share compared to larger national insurers
- Vulnerable to regional catastrophic events
- Dependence on reinsurance
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Technological advancements to improve efficiency
- Strategic acquisitions
Threats
- Increased competition from larger insurers
- Regulatory changes
- Catastrophic events impacting financial performance
- Economic downturn affecting insurance demand
Competitors and Market Share
Key Competitors
- ALL
- TRV
- AFG
Competitive Landscape
Kingstone faces significant competition from larger, national insurers with greater financial resources and brand recognition. Kingstone's competitive advantage lies in its regional focus, local market expertise, and relationships with independent agents.
Growth Trajectory and Initiatives
Historical Growth: Historically, Kingstone's growth has been driven by organic expansion and strategic acquisitions. Growth has been gradual, focused on profitability.
Future Projections: Future growth depends on the company's ability to expand into new markets, develop new products, and effectively manage its underwriting risks.
Recent Initiatives: Recent initiatives may include investments in technology to improve efficiency, expansion into new states, and development of new insurance products.
Summary
Kingstone Companies is a regional property and casualty insurer. Their focus on the New York metro area provides advantages in understanding the local market but also limits their diversification. Efficient claims management is a strength. The company needs to look out for the increasing competition and the effects of catastrophic events.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Reports
- Industry Analysis
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Financial data is subject to change based on company filings.
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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