Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 25.9%, EPS grew 32.1%, free cash flow grew 220.1% and total debt fell 29.1%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.
18.72
0.14
+0.75%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
5.78 | 9.55 | 0.00 | 0.00 | 0.00 | 73.89 | 0.00 | 58.97 | 20.26 | 12.08 |
Piotroski F-Score |
6 | 6 | 3 | 3 | 5 | 4 | 4 | 4 | 4 | 6 |
P/S ratio |
1.09 | 1.12 | 0.15 | 0.12 | 0.33 | 0.54 | 0.58 | 1.66 | 2.16 | 1.36 |
P/FCF ratio |
3.06 | 3.14 | 0.00 | 0.00 | 2.67 | 0.00 | 3.22 | 9.66 | 7.93 | 7.22 |
P/Operating CF |
10.28 | 7.59 | 4.88 | 2.16 | (11.18) | (92.64) | 8.09 | 46.13 | 27.94 | 61.16 |
P/B ratio |
1.91 | 2.61 | 0.63 | 0.42 | 0.70 | 0.77 | 0.95 | 2.13 | 2.11 | 1.86 |
Price to Tangible BV |
1.92 | 2.63 | 0.64 | 0.42 | 0.70 | 0.77 | 0.95 | 2.15 | 2.14 | 1.91 |
EV/Sales |
1.05 | 1.01 | 0.26 | 0.22 | 0.36 | 0.62 | 0.56 | 1.72 | 1.95 | 1.21 |
EV/EBITDA |
4.19 | 5.28 | 49.76 | 0.00 | 0.00 | 19.43 | 0.00 | 27.30 | 11.07 | 6.24 |
EV/Operating CF |
2.99 | 2.71 | (3.34) | (30.93) | 2.40 | (7.96) | 2.70 | 8.76 | 6.44 | 6.15 |
EV/FCF |
2.96 | 2.82 | (2.88) | (5.18) | 2.95 | (6.01) | 3.11 | 9.99 | 7.17 | 6.40 |
Quick Ratio |
0.29 | 0.40 | 0.38 | 0.36 | 0.34 | 0.39 | 0.42 | 0.43 | 0.70 | 0.50 |
Current Ratio |
0.37 | 0.49 | 0.46 | 0.45 | 0.44 | 0.50 | 0.52 | 0.55 | 0.82 | 0.60 |
Net Debt/EBITDA |
(0.14) | (0.59) | 21.36 | (0.72) | (1.43) | 2.43 | 1.04 | 0.88 | (1.18) | (0.80) |
Debt/Assets |
0.98% | 2.98% | 7.95% | 7.85% | 9.00% | 9.34% | 9.18% | 10.98% | 11.44% | 0.00% |
Debt/Equity |
0.04 | 0.17 | 0.73 | 0.70 | 0.39 | 0.32 | 0.33 | 0.33 | 0.31 | 0.00 |
Asset Turnover |
0.52 | 0.45 | 0.45 | 0.40 | 0.50 | 0.41 | 0.49 | 0.44 | 0.44 | 0.49 |
Operating CF/Net income |
1.86 | 3.16 | 1.84 | 0.04 | (3.30) | (10.53) | (5.00) | 7.21 | 2.81 | 1.71 |
Capex/Depreciation |
0.30 | (0.80) | (0.44) | (0.60) | (1.21) | (0.91) | (1.25) | (1.17) | (1.44) | (0.37) |
Interest Coverage |
115.66 | 7.63 | (0.84) | (12.84) | (4.15) | 0.29 | (3.26) | 2.65 | 238.31 | — |
| 43.04% | 36.28% | (17.46%) | (40.28%) | (8.76%) | 1.07% | (6.75%) | 3.38% | 13.20% | 17.46% | |
| 9.84% | 5.30% | (1.93%) | (6.91%) | (2.27%) | 0.30% | (2.03%) | 1.19% | 4.71% | 5.59% | |
ROIC |
27.99% | 34.04% | (4.14%) | (32.82%) | (5.84%) | 0.33% | (4.36%) | 3.18% | 11.92% | 18.79% |
Return on Tangible Assets |
(20.78%) | (12.81%) | 4.73% | 17.02% | 6.29% | (1.08%) | 6.67% | (5.03%) | (52.27%) | (21.38%) |
Average Days of Receivables |
139.55 | 214.30 | 225.79 | 225.31 | 119.10 | 159.15 | 134.45 | 129.38 | 172.08 | 206.68 |
Research and Development Expense of Revenue |
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 |
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 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
Share Based Compensation of Revenue |
0.69% | 0.89% | 0.58% | 1.07% | 1.18% | 1.35% | 1.03% | 0.62% | 0.29% | 0.14% |
Graham Net Nets |
(0.89) | (0.94) | (7.64) | (11.12) | (2.96) | (1.79) | (1.51) | (0.51) | (0.27) | (0.42) |
Graham Number |
24.02 | 14.42 | 0.00 | 0.00 | 0.00 | 4.19 | 0.00 | 7.48 | 13.95 | 13.65 |
Earnings Yield |
17.29% | 10.47% | (28.86%) | (150.00%) | (14.20%) | 1.35% | (7.23%) | 1.70% | 4.94% | 8.28% |
Free Cash Flow Yield |
32.70% | 31.89% | (60.84%) | (36.16%) | 37.49% | (19.02%) | 31.04% | 10.35% | 12.61% | 13.85% |
Revenue per Share |
15.43 | 13.52 | 13.41 | 12.23 | 15.23 | 12.25 | 13.47 | 10.65 | 8.93 | 10.01 |
Operating CF per Share |
5.45 | 5.05 | (1.05) | (0.09) | 2.30 | (0.95) | 2.77 | 2.09 | 2.70 | 1.96 |
Capex per Share |
0.06 | (0.20) | (0.17) | (0.43) | (0.42) | (0.31) | (0.37) | (0.26) | (0.27) | (0.07) |
Free Cash Flow per Share |
5.50 | 4.84 | (1.22) | (0.51) | 1.87 | (1.26) | 2.41 | 1.83 | 2.43 | 1.89 |
Cash per Share |
0.87 | 2.50 | 0.83 | 1.12 | 2.29 | 1.82 | 3.01 | 2.15 | 4.66 | 1.56 |
Shareholders Equity per Share |
8.81 | 5.81 | 3.21 | 3.40 | 7.15 | 8.66 | 8.19 | 8.30 | 9.10 | 7.33 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
8.81 | 5.81 | 3.21 | 3.40 | 7.15 | 8.66 | 8.19 | 8.30 | 9.10 | 7.33 |
Free Cash Flow |
76.65 | 55.61 | (13.15) | (5.47) | 19.85 | (13.56) | 25.92 | 19.56 | 25.22 | 14.62 |
Working Capital |
(204.06) | (152.54) | (139.91) | (142.88) | (126.68) | (98.25) | (97.03) | (67.56) | (23.88) | (44.63) |
Capital Expenditures |
0.79 | (2.34) | (1.83) | (4.55) | (4.50) | (3.33) | (3.94) | (2.73) | (2.82) | (0.58) |
Net Current Asset Value |
(208.50) | (163.72) | (165.15) | (168.04) | (156.50) | (127.90) | (126.50) | (96.86) | (53.00) | (44.63) |
EV/EBIT |
4.40 | 5.85 | 0.00 | 0.00 | 0.00 | 151.33 | 0.00 | 40.46 | 12.58 | 6.97 |
Capex to Sales |
0.00 | 0.02 | 0.01 | 0.04 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.01 |
Price to Operating Income |
4.55 | 6.51 | 0.00 | 0.00 | 0.00 | 132.42 | 0.00 | 39.15 | 13.92 | 7.87 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.33 | 0.31 | 0.44 | 0.71 | 0.40 | 0.45 | 0.41 | 0.38 | 0.41 | 0.52 |
Cash ROIC |
55.01% | 52.19% | (19.14%) | (7.46%) | 15.29% | (9.56%) | 17.27% | 13.88% | 14.66% | 21.28% |
Accounts Receivable Turnover |
2.48 | 1.72 | 1.70 | 1.96 | 2.93 | 2.37 | 3.09 | 2.71 | 2.12 | 1.81 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
86.62 | 90.14 | 84.77 | 66.48 | 54.95 | 55.37 | 46.89 | 42.03 | 43.79 | 42.87 |
Average Payables |
10.91 | 7.46 | 5.50 | 7.18 | 8.07 | 9.21 | 8.40 | 7.15 | 6.47 | 5.14 |
Average Assets |
414.17 | 346.27 | 318.98 | 325.82 | 324.45 | 319.39 | 293.98 | 260.65 | 212.00 | 159.29 |
Average Common Equity |
94.72 | 50.61 | 35.34 | 55.92 | 84.24 | 90.51 | 88.44 | 91.62 | 75.63 | 50.98 |
Columns are period end dates