Kingstone Companies, Inc. Logo

Kingstone Companies, Inc.

KINS

(1.0)
Stock Price

10,95 USD

1.79% ROA

15.55% ROE

17.92x PER

Market Cap.

100.097.850,00 USD

-22799.86% DER

0% Yield

4.14% NPM

Kingstone Companies, Inc. Stock Analysis

Kingstone Companies, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Kingstone Companies, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's PBV ratio (1.04x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

2 DER

The stock maintains a fair debt to equity ratio (79%), indicating a reasonable balance between the money it owes and the ownership it possesses.

3 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

4 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (40), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

5 ROE

Negative ROE (-38.53%) indicates poor financial performance, raising concerns about profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (-4.35%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Kingstone Companies, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Kingstone Companies, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Kingstone Companies, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Kingstone Companies, Inc. Revenue
Year Revenue Growth
1995 1.024.057
1996 1.118.647 8.46%
1997 996.618 -12.24%
1998 1.031.033 3.34%
1999 9.149.909 88.73%
2000 7.815.424 -17.08%
2001 3.520.464 -122%
2002 3.783.729 6.96%
2003 8.685.751 56.44%
2004 15.088.015 42.43%
2005 13.921.162 -8.38%
2006 11.081.947 -25.62%
2007 5.745.197 -92.89%
2008 911.225 -530.49%
2009 7.666.775 88.11%
2010 21.595.931 64.5%
2011 27.692.716 22.02%
2012 29.077.714 4.76%
2013 36.566.185 20.48%
2014 50.051.492 26.94%
2015 64.175.734 22.01%
2016 77.436.664 17.12%
2017 92.769.310 16.53%
2018 113.771.898 18.46%
2019 145.563.020 21.84%
2020 131.369.751 -10.8%
2021 161.231.241 18.52%
2022 130.159.290 -23.87%
2023 136.946.684 4.96%
2023 144.190.714 5.02%
2024 127.760.616 -12.86%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Kingstone Companies, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Kingstone Companies, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1.432.000 100%
2008 1.860.485 23.03%
2009 1.182.047 -57.4%
2010 1.610.057 26.58%
2011 1.203.002 -33.84%
2012 1.000.308 -20.26%
2013 1.099.370 9.01%
2014 1.487.345 26.09%
2015 1.504.121 1.12%
2016 1.909.779 21.24%
2017 3.512.927 45.64%
2018 2.575.404 -36.4%
2019 4.177.731 38.35%
2020 4.282.773 2.45%
2021 4.183.211 -2.38%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Kingstone Companies, Inc. EBITDA
Year EBITDA Growth
1995 127.567
1996 77.706 -64.17%
1997 -87.813 188.49%
1998 -39.627 -121.6%
1999 279.195 114.19%
2000 1.992.696 85.99%
2001 29.079 -6752.7%
2002 925.959 96.86%
2003 1.389.133 33.34%
2004 2.405.372 42.25%
2005 1.721.330 -39.74%
2006 1.331.840 -29.24%
2007 -1.034.884 228.69%
2008 -180.023 -474.86%
2009 7.846.464 102.29%
2010 9.149.620 14.24%
2011 4.315.214 -112.03%
2012 1.747.578 -146.93%
2013 3.498.804 50.05%
2014 8.750.366 60.02%
2015 11.341.082 22.84%
2016 14.543.388 22.02%
2017 15.772.978 7.8%
2018 6.615.810 -138.41%
2019 -7.064.960 193.64%
2020 586.223 1305.17%
2021 -6.970.486 108.41%
2022 8.834.196 178.9%
2023 -15.190.140 158.16%
2023 -1.608.161 -844.57%
2024 2.479.736 164.85%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Kingstone Companies, Inc. Gross Profit
Year Gross Profit Growth
1995 1.007.356
1996 1.104.362 8.78%
1997 973.421 -13.45%
1998 1.011.461 3.76%
1999 7.706.571 86.88%
2000 6.512.937 -18.33%
2001 2.694.180 -141.74%
2002 3.783.729 28.8%
2003 8.685.751 56.44%
2004 15.088.015 42.43%
2005 13.921.162 -8.38%
2006 11.081.947 -25.62%
2007 5.745.197 -92.89%
2008 911.225 -530.49%
2009 7.666.775 88.11%
2010 20.333.931 62.3%
2011 26.489.716 23.24%
2012 10.596.756 -149.98%
2013 13.616.859 22.18%
2014 20.893.976 34.83%
2015 25.678.594 18.63%
2016 31.319.813 18.01%
2017 37.401.519 16.26%
2018 30.134.556 -24.12%
2019 145.563.020 79.3%
2020 127.086.751 -14.54%
2021 157.048.241 19.08%
2022 127.046.290 -23.61%
2023 -1.630.905.316 107.79%
2023 123.137.220 1424.46%
2024 -3.076.103.384 104%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Kingstone Companies, Inc. Net Profit
Year Net Profit Growth
1995 51.229
1996 -5.099 1104.69%
1997 -143.992 96.46%
1998 -111.581 -29.05%
1999 -450.042 75.21%
2000 -3.718.297 87.9%
2001 -929.551 -300.01%
2002 1.046.007 188.87%
2003 1.289.803 18.9%
2004 1.374.364 6.15%
2005 495.760 -177.22%
2006 508.385 2.48%
2007 -47.445 1171.52%
2008 -977.206 95.14%
2009 4.820.842 120.27%
2010 983.137 -390.35%
2011 2.503.121 60.72%
2012 766.706 -226.48%
2013 2.012.318 61.9%
2014 5.328.419 62.23%
2015 6.959.620 23.44%
2016 8.899.766 21.8%
2017 9.986.485 10.88%
2018 3.093.246 -222.85%
2019 -5.966.353 151.84%
2020 972.390 713.58%
2021 -7.378.301 113.18%
2022 -22.524.794 67.24%
2023 -14.150.284 -59.18%
2023 -6.168.346 -129.4%
2024 18.059.748 134.16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Kingstone Companies, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 -1 100%
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 2 100%
2010 0 0%
2011 1 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 0 0%
2019 -1 0%
2020 0 0%
2021 -1 0%
2022 -2 100%
2023 -1 -100%
2023 -1 0%
2024 2 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Kingstone Companies, Inc. Free Cashflow
Year Free Cashflow Growth
1995 145.762
1996 -105.107 238.68%
1997 7.949 1422.27%
1998 -195.912 104.06%
1999 -131.088 -49.45%
2000 65.095 301.38%
2001 -1.227.808 105.3%
2002 307.101 499.81%
2003 6.944.547 95.58%
2004 -831.627 935.06%
2005 444.297 287.18%
2006 -503.042 188.32%
2007 -587.685 14.4%
2008 -757.078 22.37%
2009 3.069.016 124.67%
2010 3.721.328 17.53%
2011 7.253.489 48.7%
2012 6.375.322 -13.77%
2013 7.383.537 13.65%
2014 16.524.492 55.32%
2015 19.141.388 13.67%
2016 14.624.813 -30.88%
2017 25.222.008 42.02%
2018 19.563.864 -28.92%
2019 25.919.396 24.52%
2020 -13.561.696 291.12%
2021 19.847.318 168.33%
2022 -5.466.304 463.08%
2023 -13.154.052 58.44%
2023 -2.306.720.000 99.43%
2024 6.619.164 34949.11%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Kingstone Companies, Inc. Operating Cashflow
Year Operating Cashflow Growth
1995 150.187
1996 -104.932 243.13%
1997 64.040 263.85%
1998 -180.859 135.41%
1999 -6.560 -2657%
2000 230.509 102.85%
2001 -1.202.231 119.17%
2002 335.898 457.92%
2003 7.077.764 95.25%
2004 -721.504 1080.97%
2005 477.182 251.2%
2006 -315.607 251.19%
2007 -374.376 15.7%
2008 -752.640 50.26%
2009 1.199.388 162.75%
2010 3.721.328 67.77%
2011 7.253.489 48.7%
2012 6.375.322 -13.77%
2013 7.383.537 13.65%
2014 17.332.972 57.4%
2015 20.401.907 15.04%
2016 15.201.025 -34.21%
2017 28.046.140 45.8%
2018 22.295.366 -25.79%
2019 29.859.049 25.33%
2020 -10.234.626 391.75%
2021 24.346.237 142.04%
2022 -915.521 2759.28%
2023 -11.326.850 91.92%
2023 -2.306.720.000 99.51%
2024 7.116.668 32512.92%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Kingstone Companies, Inc. Capital Expenditure
Year Capital Expenditure Growth
1995 4.425
1996 175 -2428.57%
1997 56.091 99.69%
1998 15.053 -272.62%
1999 124.528 87.91%
2000 165.414 24.72%
2001 25.577 -546.73%
2002 28.797 11.18%
2003 133.217 78.38%
2004 110.123 -20.97%
2005 32.885 -234.87%
2006 187.435 82.46%
2007 213.309 12.13%
2008 4.438 -4706.42%
2009 -1.869.628 100.24%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 808.480 100%
2015 1.260.519 35.86%
2016 576.212 -118.76%
2017 2.824.132 79.6%
2018 2.731.502 -3.39%
2019 3.939.653 30.67%
2020 3.327.070 -18.41%
2021 4.498.919 26.05%
2022 4.550.783 1.14%
2023 1.827.202 -149.06%
2023 0 0%
2024 497.504 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Kingstone Companies, Inc. Equity
Year Equity Growth
1995 667.870
1996 1.462.771 54.34%
1997 1.318.779 -10.92%
1998 1.207.198 -9.24%
1999 5.703.669 78.83%
2000 1.414.948 -303.1%
2001 -219.836 743.64%
2002 1.308.325 116.8%
2003 2.745.128 52.34%
2004 4.394.828 37.54%
2005 5.222.598 15.85%
2006 5.994.262 12.87%
2007 6.157.355 2.65%
2008 5.257.570 -17.11%
2009 10.383.476 49.37%
2010 12.943.865 19.78%
2011 15.310.555 15.46%
2012 16.281.816 5.97%
2013 35.709.411 54.4%
2014 40.500.896 11.83%
2015 45.277.228 10.55%
2016 56.680.553 20.12%
2017 94.577.746 40.07%
2018 88.665.642 -6.67%
2019 88.221.581 -0.5%
2020 92.800.402 4.93%
2021 75.672.194 -22.63%
2022 36.169.432 -109.22%
2023 34.504.139 -4.83%
2023 26.528.861 -30.06%
2024 40.802.774 34.98%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Kingstone Companies, Inc. Assets
Year Assets Growth
1995 965.127
1996 1.742.571 44.61%
1997 1.622.332 -7.41%
1998 1.562.110 -3.86%
1999 8.215.762 80.99%
2000 4.430.623 -85.43%
2001 1.231.962 -259.64%
2002 3.149.393 60.88%
2003 24.619.814 87.21%
2004 27.501.195 10.48%
2005 22.510.087 -22.17%
2006 25.402.887 11.39%
2007 23.245.326 -9.28%
2008 9.420.633 -146.75%
2009 52.643.753 82.1%
2010 58.682.673 10.29%
2011 69.704.905 15.81%
2012 93.498.398 25.45%
2013 116.783.822 19.94%
2014 134.996.422 13.49%
2015 149.129.750 9.48%
2016 169.446.462 11.99%
2017 254.548.063 33.43%
2018 266.752.077 4.58%
2019 321.202.812 16.95%
2020 317.582.267 -1.14%
2021 331.312.275 4.14%
2022 320.332.531 -3.43%
2023 317.633.210 -0.85%
2023 342.774.347 7.33%
2024 319.777.757 -7.19%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Kingstone Companies, Inc. Liabilities
Year Liabilities Growth
1995 297.257
1996 279.800 -6.24%
1997 303.553 7.82%
1998 354.912 14.47%
1999 2.512.093 85.87%
2000 3.015.675 16.7%
2001 1.460.721 -106.45%
2002 1.841.068 20.66%
2003 21.874.686 91.58%
2004 23.106.367 5.33%
2005 17.287.489 -33.66%
2006 19.408.625 10.93%
2007 17.087.971 -13.58%
2008 4.163.063 -310.47%
2009 42.260.277 90.15%
2010 45.738.808 7.61%
2011 54.394.350 15.91%
2012 77.216.582 29.56%
2013 81.074.411 4.76%
2014 94.495.526 14.2%
2015 103.852.522 9.01%
2016 112.765.909 7.9%
2017 159.970.317 29.51%
2018 178.086.436 10.17%
2019 232.981.231 23.56%
2020 224.781.865 -3.65%
2021 255.640.081 12.07%
2022 284.163.099 10.04%
2023 283.129.071 -0.37%
2023 316.245.486 10.47%
2024 278.974.983 -13.36%

Kingstone Companies, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.74
Net Income per Share
0.49
Price to Earning Ratio
17.92x
Price To Sales Ratio
0.77x
POCF Ratio
5.07
PFCF Ratio
5.91
Price to Book Ratio
2.35
EV to Sales
0.88
EV Over EBITDA
-21.9
EV to Operating CashFlow
5.99
EV to FreeCashFlow
6.69
Earnings Yield
0.06
FreeCashFlow Yield
0.17
Market Cap
0,10 Bil.
Enterprise Value
0,11 Bil.
Graham Number
6.36
Graham NetNet
-13.6

Income Statement Metrics

Net Income per Share
0.49
Income Quality
3.53
ROE
0.16
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.76
EBT Per Ebit
0.71
Ebit per Revenue
0.08
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
-14.63
Operating Profit Margin
0.08
Pretax Profit Margin
0.05
Net Profit Margin
0.04

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.71
Free CashFlow per Share
1.54
Capex to Operating CashFlow
0.1
Capex to Revenue
0.02
Capex to Depreciation
0.76
Return on Invested Capital
-0
Return on Tangible Assets
0.02
Days Sales Outstanding
230
Days Payables Outstanding
1.89
Days of Inventory on Hand
-15.33
Receivables Turnover
1.59
Payables Turnover
192.82
Inventory Turnover
-23.81
Capex per Share
0.18

Balance Sheet

Cash per Share
10,02
Book Value per Share
3,70
Tangible Book Value per Share
1.88
Shareholders Equity per Share
3.7
Interest Debt per Share
-753.87
Debt to Equity
-228
Debt to Assets
-29.09
Net Debt to EBITDA
-2.53
Current Ratio
18.31
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,09 Bil.
Invested Capital
210743385
Working Capital
0,18 Bil.
Intangibles to Total Assets
0.06
Average Receivables
0,08 Bil.
Average Payables
0,01 Bil.
Average Inventory
-42443460
Debt to Market Cap
-92.94

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Kingstone Companies, Inc. Dividends
Year Dividends Growth
2011 0
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

Kingstone Companies, Inc. Profile

About Kingstone Companies, Inc.

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company offers personal line of insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies, as well as reinsurance products. It sells 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.

CEO
Ms. Meryl S. Golden
Employee
84
Address
15 Joys Lane
Kingston, 12401

Kingstone Companies, Inc. Executives & BODs

Kingstone Companies, Inc. Executives & BODs
# Name Age
1 Mr. Floyd R. Tupper
Secretary & Independent Director
70
2 Ms. Meryl S. Golden
President, Chief Executive Officer & Director
70
3 Mr. David Fernandez
Senior Vice President & Chief Claims Officer
70
4 Mr. Victor Jay Brodsky
Chief Accounting Officer
70
5 Ms. Sarah Chen
Chief Actuary & Senior Vice President of Kingstone Insurance Company
70
6 Ms. Jennifer Lee Gravelle
Vice President, Chief Financial Officer & Treasurer
70

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