Kingstone Companies, Inc (KINS) vs Root, Inc. (ROOT)

Kingstone Companies, Inc and Root, Inc. are both Insurance Property & Casualty companies. Root, Inc. is the larger, with a market value of $750.2M against $264.9M — 2.8× the size. Kingstone Companies, Inc trades at the lower P/E: 7.4× against 12.8×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against 14.9%. Kingstone Companies, Inc has the higher net margin (14.9% vs 3.71%) and the lower return on invested capital (24.0% vs 85.8%). Across the 22 metrics below, Kingstone Companies, Inc leads on 15 and Root, Inc. on 7.

Valuation

Metric KINS ROOT Insurance Property & Casualty median
P/E 7.36 12.78 10.29
P/S 1.11 0.47 1.17
P/B 2.05 2.27 1.83
Price to free cash flow 3.18 4.18 7.48
EV/EBITDA 5.30 3.68 7.49
EV/Sales 1.06 0.23 1.13
Earnings yield 13.59% 7.83% 9.50%
Free cash flow yield 31.44% 23.91% 13.29%

Profitability

Metric KINS ROOT Insurance Property & Casualty median
Gross margin 100.00% 39.30% 41.16%
Operating margin 18.74% 5.51% 15.09%
Net margin 14.85% 3.71% 11.51%
Free cash flow margin 34.95% 11.43% 17.59%
Return on equity 31.51% 20.34% 18.19%
Return on assets 8.10% 3.57% 3.74%
Return on invested capital 23.99% 85.75% 12.06%

Growth

Metric KINS ROOT Insurance Property & Casualty median
Revenue growth (TTM) 28.03% 14.86% 8.69%
EPS growth (last fiscal year) 94.59% 28.96% —
Revenue growth, 5-year CAGR 10.34% 34.33% 9.23%
Net income growth, 5-year CAGR 111.10% 0.00% 10.09%

Health

Metric KINS ROOT Insurance Property & Casualty median
Debt to equity 0.03 0.45 0.25
Current ratio 0.34 1.01 0.42
Net debt to EBITDA (0.14) (6.65) 0.08

Dividend

Metric KINS ROOT Insurance Property & Casualty median
Dividend yield 1.37% — 2.79%
Payout ratio 0.62 0.00 0.27

Size

Metric KINS ROOT Insurance Property & Casualty median
Market cap 264.91m 750.15m 2.44b

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