Kingstone Companies, Inc.
Kingstone Companies, Inc. Fundamental Analysis
Kingstone Companies, Inc. (KINS) shows strong financial fundamentals with a PE ratio of 5.05, profit margin of 20.47%, and ROE of 40.02%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 7.60%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 76.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze KINS's fundamental strength across five key dimensions:
Efficiency Score
WeakKINS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentKINS trades at attractive valuation levels.
Growth Score
ModerateKINS shows steady but slowing expansion.
Financial Health Score
ExcellentKINS maintains a strong and stable balance sheet.
Profitability Score
ExcellentKINS achieves industry-leading margins.
Key Financial Metrics
Is KINS Expensive or Cheap?
P/E Ratio
KINS trades at 5.05 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, KINS's PEG of 0.19 indicates potential undervaluation.
Price to Book
The market values Kingstone Companies, Inc. at 1.68 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.04 times EBITDA. This is generally considered low.
How Well Does KINS Make Money?
Net Profit Margin
For every $100 in sales, Kingstone Companies, Inc. keeps $20.47 as profit after all expenses.
Operating Margin
Core operations generate 25.63 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $40.02 in profit for every $100 of shareholder equity.
ROA
Kingstone Companies, Inc. generates $8.99 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Kingstone Companies, Inc. generates strong operating cash flow of $77.59M, reflecting robust business health.
Free Cash Flow
Kingstone Companies, Inc. generates strong free cash flow of $74.72M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.16 in free cash annually.
FCF Yield
KINS converts 34.71% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.05
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.19
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.68
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.06
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.04
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.22
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.40
vs 25 benchmark
ROA
Return on assets percentage
0.09
vs 25 benchmark
ROCE
Return on capital employed
0.37
vs 25 benchmark
How KINS Stacks Against Its Sector Peers
| Metric | KINS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.05 | 18.66 | Better (Cheaper) |
| ROE | 40.02% | 805.00% | Weak |
| Net Margin | 20.47% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.04 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.22 | 661.80 | Neutral |
| ROA | 8.99% | -24401.00% (disorted) | Weak |
KINS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Kingstone Companies, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
0.34%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
388.79%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
82.15%
Industry Style: Value, Dividend, Cyclical
High Growth