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 $716.7M against $274.5M — 2.6× the size. Kingstone Companies, Inc trades at the lower P/E: 7.6× against 9.2×. Kingstone Companies, Inc grew revenue faster over the last twelve months: 28.0% against 7.89%. Kingstone Companies, Inc has the higher net margin (14.9% vs 4.96%) and the higher return on invested capital (24.0% vs 0.00%). Across the 20 metrics below, Kingstone Companies, Inc leads on 16 and Root, Inc. on 4.

Valuation

Metric KINS ROOT Insurance Property & Casualty median
P/E 7.62 9.21 12.17
P/S 1.15 0.45 1.26
P/B 2.12 2.15 1.85
Price to free cash flow 3.29 4.18 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.12% 10.86% 8.20%
Free cash flow yield 30.36% 23.92% 11.86%

Profitability

Metric KINS ROOT Insurance Property & Casualty median
Gross margin 100.00% 39.44% 37.39%
Operating margin 18.74% 6.68% 14.67%
Net margin 14.85% 4.96% 10.16%
Free cash flow margin 34.95% 10.86% 18.60%
Return on equity 31.51% 26.15% 16.59%
Return on assets 8.10% 4.67% 3.38%
Return on invested capital 23.99% 0.00% 9.43%

Growth

Metric KINS ROOT Insurance Property & Casualty median
Revenue growth (TTM) 28.03% 7.89% 5.70%
EPS growth (last fiscal year) 94.59% 28.96% 39.61%
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 0.49
Net debt to EBITDA (0.14) (6.65) 0.08

Dividend

Metric KINS ROOT Insurance Property & Casualty median
Dividend yield 1.11% — 1.56%
Payout ratio 0.09 — 0.15

Size

Metric KINS ROOT Insurance Property & Casualty median
Market cap 274.47m 716.74m 2.64b

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