Kingstone Companies, Inc. (KINS) AI Stock Analysis

Kingstone Companies, Inc. operates as a provider of property and casualty insurance products primarily in New York through its subsidiary, Kingstone Insurance Company. Founded in 1886 and headquartered in Kingston, New York, the company offers personal lines including homeowners and dwelling fire multi-peril policies, cooperative/condominium insurance, renters insurance, and personal umbrella policies. In addition, Kingstone serves niche markets with specialized offerings such as for-hire vehicle physical damage policies for livery and car service vehicles, taxicabs, and canine legal liability insurance. The company distributes its products through a network of retail and wholesale agents and brokers, and utilizes reinsurance products to manage risk.

Kingstone delivered revenue growth over recent periods, expanding revenue by 28.4% in FY2025 to $199.2M, up from $155.1M in FY2024 and $144.2M in FY2023. Gross margin widened to 57.7% in FY2025 from 37.8% in FY2024 and 5.5% in FY2022. Net income reached $40.8M with a net margin of 20.5% in FY2025, recovering from net losses of -$22.5M in FY2022 and -$6.2M in FY2023. For the trailing twelve months ended June 30, 2026, revenue stood at $237.7M with an operating margin of 29.7% and profit margin of 14.8%. In the latest quarter, quarterly revenue growth was 25.9% and quarterly earnings growth was 34.6%.

As of June 30, 2026, the company reported cash and short-term investments of $330.85B and total debt of $3.80B, resulting in net cash of $327.05B. Shareholders' equity was $129.16B, total assets were $477.93B, and the current ratio stood at 5.16 with a debt-to-equity ratio of 0.03. In FY2025, Kingstone generated operating cash flow of $75.9M and free cash flow of $73.1M. Cash usage included capital expenditures of $2.8M and dividends paid of $1.4M.

Kingstone trades at a trailing P/E of 7.6x and a forward P/E of 7.5x, both below the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales multiple is 1.1x versus the peer median of 3.2x, while EV/EBITDA is 76.8x compared to the peer median of 11.7x. Over the past year, KINS gained 29.8%, outperforming the S&P 500 ETF (SPY) return of 16.8%. Over five years, KINS returned 221.3% compared to 83.0% for the S&P 500 benchmark.

Kingstone pays a quarterly dividend with an annual dividend forward of $0.24, offering a dividend yield of 1.28%. The payout ratio stands at 8.6%, and the company has paid dividends for 2 consecutive years. The annualized five-year dividend growth is -11.4%, and the last ex-dividend date was August 11, 2026.

Wall Street coverage includes 1 StrongBuy rating, 0 Buy, 0 Hold, 0 Sell, and 0 StrongSell ratings. The mean price target is $24.00, representing a potential upside of 28.4% from the last close of $18.69 on October 16, 2026. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.70 on revenue of $253.0M. Kingstone has beaten EPS estimates in 3 of the last 4 quarters, with the next earnings date scheduled for November 5, 2026.

This page is an AI-written research summary of Kingstone Companies, Inc. (KINS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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