Kingstone Companies, Inc. KINS R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 31.6%, reflecting efficient use of shareholder capital.
Net profit has compounded at 30.5% per year over the last five years.
Revenue has grown at a 17.8% CAGR over the past five years.
Trades at a P/E of 9.0, below the sector median of 14.5.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $214.87M (+38.5% YoY); net profit $40.77M.
- Trailing 12 Months Year-on-year growth — revenue +23.2%, earnings +122.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 17.8%, profit CAGR 30.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 17.83% |
| 1 Year: | 23.20% |
Compounded Profit Growth
| 5 Years: | 30.48% |
| 1 Year: | 122.06% |
Stock Price Performance
| 1 Year: | +29.85% |
| 6 Months: | +28.93% |
| 3 Months: | +29.76% |
| 1 Month: | -3.74% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.92 · Neutral
P/E of 9.03 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 31.6%.
- Compounding revenue at 17.8% over 5 years.
- Profit CAGR of 30.5% 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KFINANCIAL | 19.96 | 9.03 | $289.12M | 1.18% | - | 31.60% | 17.83% | 30.48% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | 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 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 | 65.85M |
| 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 | 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 | 15.47M |
| Diluted EPS | 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 | 1.05 |
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 |
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 | - | - | - | - | - | - | - | 0 | 29.13M | 29.30M | 29.47M | 29.65M | - | 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 | 24.35M | -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 | -15.95M | -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 | -3.57M | -5.51M | -1.12M | -2.99M | 506.07K |
| Capital Expenditure | - | - | - | - | -808.48K | -1.26M | -576.21K | -2.82M | -2.73M | -3.94M | -3.33M | -4.50M | -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 | 19.85M | -5.47M | -13.15M | 55.61M | 73.05M |
| 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 5.74% | 830.27K | $16.61M |
| 2 | Royce & Associates LP | 4.22% | 611.07K | $12.22M |
| 3 | Vanguard Capital Management LLC | 3.46% | 501.11K | $10.02M |
| 4 | American Century Companies Inc | 2.70% | 390.63K | $7.81M |
| 5 | Renaissance Technologies, LLC | 2.56% | 369.89K | $7.40M |
| 6 | Geode Capital Management, LLC | 2.19% | 316.52K | $6.33M |
| 7 | Gator Capital Management, LLC | 2.17% | 313.65K | $6.27M |
| 8 | Dimensional Fund Advisors LP | 2.16% | 313.39K | $6.27M |
| 9 | De Lisle Partners LLP | 2.10% | 304.04K | $6.08M |
| 10 | Cruiser Capital Advisors, Llc | 2.10% | 304.70K | $6.09M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for KINS
Should Value Investors Buy Kingstone Companies (KINS) Stock? - Yahoo Finance
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KINS stock gains as Kingstone expands into California homeowners market - ad-hoc-news.de
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Kingstone Companies (KINS) insider uses 5,309 shares to pay taxes - Stock Titan
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Kingstone Companies (KINS) Stock Pullback Follows Record Profit And Rising Risk Questions - simplywall.st
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Is Kingstone Companies (KINS) Stock Undervalued Right Now? - Yahoo Finance
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KINS — Frequently Asked Questions
What is the current share price of Kingstone Companies, Inc. (KINS)?
As of 2026-09-07 16:24 PDT, Kingstone Companies, Inc. (KINS) trades at $19.96 on NasdaqCM. Its 52-week range is $13.04 to $20.73.
What is the market capitalisation of KINS?
Kingstone Companies, Inc. (KINS) has a market capitalisation of $289.12M on NasdaqCM.
What is the P/E ratio of KINS?
KINS trades at a trailing price-to-earnings (P/E) ratio of 9.03. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 2.41.
Does KINS pay a dividend?
Kingstone Companies, Inc. (KINS) currently offers a dividend yield of 1.18%.
What is the return on equity (ROE) of KINS?
KINS has a return on equity (ROE) of 31.60%.
Is KINS a good stock to buy?
This page provides a data-driven analysis of Kingstone Companies, Inc. (KINS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.