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Kingstone Companies, Inc

KINS Financial Insurance Property & Casualty

Kingstone Companies, Inc’s revenue for fiscal 2025 (year ended December 2025) was $214.9 million, up 38.5% from fiscal 2024.

Revenue: +21.4%
EPS: +57.1%
Free cash flow: +220.1%
Total debt: −31.3%

Quarter to September 2026, against a year earlier

20.95 1.99 +10.50%

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Market cap: $274.5M
P/E: 6.8×
Fwd P/E: 7.6×
Dividend yield: 1.05%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	12.08	20.26	58.97	0.00	73.89	0.00	0.00	0.00	9.55	5.78
Piotroski F-Score Full definition →	6	4	4	4	4	5	3	3	6	6
P/S ratio Full definition →	1.36	2.16	1.66	0.58	0.54	0.33	0.12	0.15	1.12	1.09
P/FCF ratio Full definition →	7.22	7.93	9.66	3.22	0.00	2.67	0.00	0.00	3.14	3.06
P/Operating CF Full definition →	61.16	27.94	46.13	8.09	(92.64)	(11.18)	2.16	4.88	7.59	10.28
P/B ratio Full definition →	1.86	2.11	2.13	0.95	0.77	0.70	0.42	0.63	2.61	1.91
Price to Tangible BV Full definition →	1.91	2.14	2.15	0.95	0.77	0.70	0.42	0.64	2.63	1.92
EV/Sales Full definition →	1.21	1.95	1.72	0.56	0.62	0.36	0.22	0.26	1.01	1.05
EV/EBITDA Full definition →	6.24	11.07	27.30	0.00	19.43	0.00	0.00	49.76	5.28	4.19
EV/Operating CF Full definition →	6.15	6.44	8.76	2.70	(7.96)	2.40	(30.93)	(3.34)	2.71	2.99
EV/FCF Full definition →	6.40	7.17	9.99	3.11	(6.01)	2.95	(5.18)	(2.88)	2.82	2.96
Quick Ratio Full definition →	0.50	0.70	0.43	0.42	0.39	0.34	0.36	0.38	0.40	0.29
Current Ratio Full definition →	0.60	0.82	0.55	0.52	0.50	0.44	0.45	0.46	0.49	0.37
Net Debt/EBITDA Full definition →	(0.80)	(1.18)	0.88	1.04	2.43	(1.43)	(0.72)	21.36	(0.59)	(0.14)
Debt/Assets Full definition →	0.00%	11.44%	10.98%	9.18%	9.34%	9.00%	7.85%	7.95%	2.98%	0.98%
Debt/Equity Full definition →	0.00	0.31	0.33	0.33	0.32	0.39	0.70	0.73	0.17	0.04
Asset Turnover Full definition →	0.49	0.44	0.44	0.49	0.41	0.50	0.40	0.45	0.45	0.52
Operating CF/Net income Full definition →	1.71	2.81	7.21	(5.00)	(10.53)	(3.30)	0.04	1.84	3.16	1.86
Capex/Depreciation Full definition →	(0.37)	(1.44)	(1.17)	(1.25)	(0.91)	(1.21)	(0.60)	(0.44)	(0.80)	0.30
Interest Coverage Full definition →	—	238.31	2.65	(3.26)	0.29	(4.15)	(12.84)	(0.84)	7.63	115.66
ROE Full definition →	17.46%	13.20%	3.38%	(6.75%)	1.07%	(8.76%)	(40.28%)	(17.46%)	36.28%	43.04%
ROA Full definition →	5.59%	4.71%	1.19%	(2.03%)	0.30%	(2.27%)	(6.91%)	(1.93%)	5.30%	9.84%
ROIC Full definition →	18.79%	11.92%	3.18%	(4.36%)	0.33%	(5.84%)	(32.82%)	(4.14%)	34.04%	27.99%
Return on Tangible Assets Full definition →	(21.38%)	(52.27%)	(5.03%)	6.67%	(1.08%)	6.29%	17.02%	4.73%	(12.81%)	(20.78%)
Average Days of Receivables Full definition →	206.68	172.08	129.38	134.45	159.15	119.10	225.31	225.79	214.30	139.55
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Intangible Assets out of Total Assets Full definition →	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.14%	0.29%	0.62%	1.03%	1.35%	1.18%	1.07%	0.58%	0.89%	0.69%
Graham Net Nets Full definition →	(0.42)	(0.27)	(0.51)	(1.51)	(1.79)	(2.96)	(11.12)	(7.64)	(0.94)	(0.89)
Graham Number Full definition →	13.65	13.95	7.48	0.00	4.19	0.00	0.00	0.00	14.42	24.02
Earnings Yield Full definition →	8.28%	4.94%	1.70%	(7.23%)	1.35%	(14.20%)	(150.00%)	(28.86%)	10.47%	17.29%
Free Cash Flow Yield Full definition →	13.85%	12.61%	10.35%	31.04%	(19.02%)	37.49%	(36.16%)	(60.84%)	31.89%	32.70%
Revenue per Share Full definition →	10.01	8.93	10.65	13.47	12.25	15.23	12.23	13.41	13.52	15.43
Operating CF per Share Full definition →	1.96	2.70	2.09	2.77	(0.95)	2.30	(0.09)	(1.05)	5.05	5.45
Capex per Share Full definition →	(0.07)	(0.27)	(0.26)	(0.37)	(0.31)	(0.42)	(0.43)	(0.17)	(0.20)	0.06
Free Cash Flow per Share Full definition →	1.89	2.43	1.83	2.41	(1.26)	1.87	(0.51)	(1.22)	4.84	5.50
Cash per Share Full definition →	1.56	4.66	2.15	3.01	1.82	2.29	1.12	0.83	2.50	0.87
Shareholders Equity per Share Full definition →	7.33	9.10	8.30	8.19	8.66	7.15	3.40	3.21	5.81	8.81
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	7.33	9.10	8.30	8.19	8.66	7.15	3.40	3.21	5.81	8.81
Free Cash Flow Full definition →	14.62	25.22	19.56	25.92	(13.56)	19.85	(5.47)	(13.15)	55.61	76.65
Working Capital Full definition →	(44.63)	(23.88)	(67.56)	(97.03)	(98.25)	(126.68)	(142.88)	(139.91)	(152.54)	(204.06)
Capital Expenditures Full definition →	(0.58)	(2.82)	(2.73)	(3.94)	(3.33)	(4.50)	(4.55)	(1.83)	(2.34)	0.79
Net Current Asset Value Full definition →	(44.63)	(53.00)	(96.86)	(126.50)	(127.90)	(156.50)	(168.04)	(165.15)	(163.72)	(208.50)
EV/EBIT Full definition →	6.97	12.58	40.46	0.00	151.33	0.00	0.00	0.00	5.85	4.40
Capex to Sales Full definition →	0.01	0.03	0.02	0.03	0.03	0.03	0.04	0.01	0.02	0.00
Price to Operating Income Full definition →	7.87	13.92	39.15	0.00	132.42	0.00	0.00	0.00	6.51	4.55
Other line items
Depreciation/Fixed assets Full definition →	0.52	0.41	0.38	0.41	0.45	0.40	0.71	0.44	0.31	0.33
Cash ROIC Full definition →	21.28%	14.66%	13.88%	17.27%	(9.56%)	15.29%	(7.46%)	(19.14%)	52.19%	55.01%
Accounts Receivable Turnover Full definition →	1.81	2.12	2.71	3.09	2.37	2.93	1.96	1.70	1.72	2.48
Accounts Payable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	42.87	43.79	42.03	46.89	55.37	54.95	66.48	84.77	90.14	86.62
Average Payables Full definition →	5.14	6.47	7.15	8.40	9.21	8.07	7.18	5.50	7.46	10.91
Average Assets Full definition →	159.29	212.00	260.65	293.98	319.39	324.45	325.82	318.98	346.27	414.17
Average Common Equity Full definition →	50.98	75.63	91.62	88.44	90.51	84.24	55.92	35.34	50.61	94.72

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Columns are period end dates · fundamentals updated 6 Nov 2026

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