Kingstone Companies, Inc. KINS R2K
Financial Services · Insurance - Property & Casualty · United States
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, provides property and casualty insurance products in the United States. The company 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 underwrites for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. The company provides 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.
READ MORE ›$14.87
-7.58% 1Y
Market & Price
Market Cap
$215.39M
Current Price
$14.87
High / Low (52W)
$18.58 / $13.08
Beta
0.53
Valuation
Stock P/E
6.73
Industry PE
12.01
Forward P/E
4.96
PEG Ratio
3.28
Book Value
$7.91
Price to Book
1.88
P/S
0.96
EV/EBITDA
4.97
Dividend Yield
1.34%
Profitability & Returns
ROCE
-
ROE
31.60%
ROA
5.76%
Profit Margin
13.86%
Op Margin
-12.27%
EPS (Latest Qtr)
$-0.40
EPS (TTM)
$2.21
Balance Sheet & Liquidity
Debt/Equity
3.71
Quick Ratio
0.17
Current Ratio
0.53
Debt
$4.25M
Total Assets
$453.43M
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
21.32%
Chg in Prom Hold
-
FII / Inst Holding
54.57%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$208.29M
Total Revenue (TTM)
$224.14M
EBITDA
$41.87M
Free Cash Flow
$34.37M
Operating Cash Flow
$66.72M
Shares Outstanding
14.48M
Gross Margin
21.08%
Payout Ratio
6.79%
Growth (CAGR)
Revenue 5Y
18.19%
Profit 5Y
93.66%
Revenue (YoY)
23.20%
Earnings (YoY)
-
PROS
- Strong return on equity of 31.6%.
- Compounding revenue at 18.2% over 5 years.
- Profit CAGR of 93.7% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | KINS Kingstone Companies, Inc. R2K | 14.87 | 6.73 | $215.39M | 1.34% | - | 31.60% | 18.19% | 93.66% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14.61M | 15.54M | 16.66M | 17.36M | 18.44M | 18.91M | 19.83M | 20.25M | 20.65M | 21.72M | 24.61M | 25.78M | 25.70M | 27.55M | 30.89M | 29.64M | 34.90M | 34.61M | 38.45M | 37.46M | 26.25M | 34.69M | 34.82M | 39.50M | 39.60M | 38.96M | 28.55M | 28.98M | 35.54M | 36.63M | 36.72M | 34.24M | 35.77M | 36.50M | 40.77M | 50.50M | 52.29M | 55.65M | 56.42M | 59.78M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.95M | 14.24M | 13.78M | 18.52M | -7.33M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 227.45K | 77.07K | 72.61K | 68.08K | 69.86K |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.72M | 14.17M | 13.71M | 18.45M | -7.40M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 835.68K | 2.91M | 2.83M | 3.69M | -1.59M |
| Net Income | 382.50K | 2.38M | 2.35M | 1.85M | 541.03K | 2.84M | 3.46M | 2.06M | 1.47M | 2.51M | 4.07M | 1.93M | -2.72M | 2.76M | 3.93M | -879.85K | -7.34M | 1.64M | -1.73M | 1.45M | -5.44M | 4.61M | -1.23M | -311.10K | 1.32M | -10.62M | -9.20M | -5.38M | -4.00M | -5.05M | -522.02K | -3.54M | 1.43M | 4.51M | 6.98M | 3.88M | 11.25M | 10.87M | 14.76M | -5.81M |
| Diluted EPS | 0.05 | 0.32 | 0.32 | 0.25 | 0.07 | 0.36 | 0.43 | 0.26 | 0.15 | 0.23 | 0.38 | 0.18 | -0.28 | 0.25 | 0.36 | -0.08 | -0.68 | 0.15 | -0.16 | 0.13 | -0.50 | 0.43 | -0.12 | -0.03 | 0.12 | -1.01 | -0.87 | -0.51 | -0.38 | -0.47 | -0.05 | -0.33 | 0.12 | 0.37 | 0.55 | 0.27 | 0.78 | 0.74 | 1.03 | -0.40 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 21.60M | 27.69M | 29.08M | 36.57M | 50.05M | 64.18M | 77.44M | 92.77M | 113.77M | 145.12M | 131.37M | - | 130.16M | 144.19M | 155.14M | 214.87M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | -25.92M | -3.36M | 26.80M | 51.49M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 2.02M | 4.00M | 3.51M | 445.21K |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | -27.94M | -7.37M | 23.29M | 51.05M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | -5.42M | -1.20M | 4.93M | 10.28M |
| Net Income | 983.14K | 2.50M | 766.71K | 2.01M | 5.33M | 6.96M | 8.90M | 9.99M | 3.09M | -5.97M | 972.39K | - | -22.52M | -6.17M | 18.36M | 40.77M |
| Diluted EPS | 0.29 | 0.64 | 0.20 | 0.50 | 0.72 | 0.94 | 1.14 | 0.94 | 0.29 | -0.55 | 0.09 | - | -2.12 | -0.57 | 1.48 | 2.88 |
Compounded Sales Growth
| 5 Years: | 18.19% |
| 1 Year: | 23.20% |
Compounded Profit Growth
| 5 Years: | 93.66% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -7.58% |
| 6 Months: | -1.36% |
| 3 Months: | -9.48% |
| 1 Month: | -11.99% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 58.68M | 69.70M | 93.50M | 116.78M | 135.00M | 149.13M | 169.45M | 254.55M | 266.75M | 321.20M | 317.58M | - | 320.33M | 317.63M | 374.92M | 453.43M |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 625.32K | 326.62K | 173.13K | 2.24M | 19.92M | 9.91M | 13.55M | 12.04M | 48.38M | 21.14M | 32.39M | 19.46M | - | 11.96M | 8.98M | 28.67M | 12.18M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | 80.35M | 89.20M | 91.09M | 80.01M |
| Total Liabilities | - | 45.74M | 54.39M | 77.22M | 81.07M | 94.50M | 103.85M | 112.77M | 159.97M | 178.09M | 232.98M | 224.78M | - | 284.16M | 283.13M | 308.21M | 330.69M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 25.16M | 25.24M | 11.17M | 4.44M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 25.16M | 25.24M | 11.17M | 4.44M |
| Total Equity | 10.38M | 12.94M | 15.31M | 16.28M | 35.71M | 40.50M | 45.28M | 56.68M | 94.58M | 88.67M | 88.22M | 92.80M | - | 36.17M | 34.50M | 66.71M | 122.73M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | 12.17M | 12.25M | 14.45M | 15.92M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 3.72M | 7.25M | 6.38M | 7.38M | 17.33M | 20.40M | 15.20M | 28.05M | 22.30M | 29.86M | -10.23M | - | -915.52K | -11.33M | 57.95M | 75.86M |
| Investing Cash Flow | -4.40M | -6.53M | -3.96M | -6.58M | -26.00M | -14.90M | -19.52M | -47.63M | -43.40M | -14.97M | 581.29K | - | -5.91M | 9.46M | -35.26M | -92.86M |
| Financing Cash Flow | 375.36K | -881.46K | -347.05K | 16.88M | -1.35M | -1.86M | 2.81M | 55.92M | -6.14M | -3.63M | -3.27M | - | -5.51M | -1.12M | -2.99M | 506.07K |
| Capital Expenditure | - | - | - | - | -808.48K | -1.26M | -576.21K | -2.82M | -2.73M | -3.94M | -3.33M | - | -4.55M | -1.83M | -2.34M | -2.81M |
| Free Cash Flow | - | - | - | - | 16.52M | 19.14M | 14.62M | 25.22M | 19.56M | 25.92M | -13.56M | - | -5.47M | -13.15M | 55.61M | 73.05M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | -12.33M | -2.98M | 19.69M | -16.49M |
| Share Buybacks | - | - | - | - | 46.73K | 278.02K | 113.27K | 176.84K | 540.25K | 0 | 1.18M | 1.67M | 0 | - | - | - |
| Dividends Paid | - | 230.30K | 533.76K | 612.40K | 1.31M | 1.56M | 1.94M | 3.21M | 4.28M | 3.50M | 1.96M | 1.69M | 1.28M | 0 | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | -19.9% | -2.3% | 17.3% | 24.0% |
| Net Margin % | 4.6% | 9.0% | 2.6% | 5.5% | 10.6% | 10.8% | 11.5% | 10.8% | 2.7% | -4.1% | 0.7% | - | -17.3% | -4.3% | 11.8% | 19.0% |
| ROE % | 7.6% | 16.3% | 4.7% | 5.6% | 13.2% | 15.4% | 15.7% | 10.6% | 3.5% | -6.8% | 1.0% | - | -62.3% | -17.9% | 27.5% | 33.2% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
21.32%
Institutions
54.57%
Public Float
69.36%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 5.47% | 792.63K | $11.79M |
| 2 | Royce & Associates LP | 3.70% | 535.66K | $7.97M |
| 3 | Vanguard Capital Management LLC | 3.42% | 495.78K | $7.37M |
| 4 | Renaissance Technologies, LLC | 2.72% | 393.49K | $5.85M |
| 5 | Cruiser Capital Advisors, Llc | 2.30% | 333.71K | $4.96M |
| 6 | American Century Companies Inc | 2.29% | 331.87K | $4.93M |
| 7 | Gator Capital Management, LLC | 2.17% | 313.65K | $4.66M |
| 8 | De Lisle Partners LLP | 2.10% | 304.04K | $4.52M |
| 9 | Dimensional Fund Advisors LP | 1.93% | 279.85K | $4.16M |
| 10 | Geode Capital Management, LLC | 1.81% | 261.78K | $3.89M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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