Kingstone Companies, Inc. (KINS) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↓
4.25
↓-22% vs avg
5yr avg: 5.47
30Y Low2.8·High51.7
P/FCF
↑
3.22
+4% vs avg
5yr avg: 3.11
30Y Low1.9·High63.9
P/B Ratio
↑
1.87
↑+43% vs avg
5yr avg: 1.31
30Y Low0.3·High9.0
ROE
↑
43.0%
↓+1578% vs avg
5yr avg: 2.6%
30Y Low-156%·High192%
Debt/EBITDA
↓
0.08
↓-68% vs avg
5yr avg: 0.26
30Y Low0.1·High21.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
KINS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Kingstone Companies, Inc. trades at 5.6x earnings, 30% below its 5-year average of 8.1x, sitting at the 17th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 58%. On a free-cash-flow basis, the stock trades at 3.2x P/FCF, roughly in line with the 5-year average of 3.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $235M | $238M | $189M | $23M | $14M | $53M | $71M | $83M | $190M | $199M | $107M |
| Enterprise Value | $228M | $230M | $171M | $39M | $28M | $58M | $82M | $81M | $198M | $180M | $95M |
| P/E Ratio → | 5.64 | 5.84 | 10.26 | — | — | — | 73.40 | — | 61.00 | 20.00 | 12.06 |
| P/S Ratio | 1.18 | 1.19 | 1.22 | 0.16 | 0.11 | 0.33 | 0.54 | 0.58 | 1.67 | 2.14 | 1.39 |
| P/B Ratio | 1.87 | 1.94 | 2.83 | 0.66 | 0.40 | 0.70 | 0.77 | 0.95 | 2.14 | 2.10 | 1.89 |
| P/FCF | 3.22 | 3.26 | 3.39 | — | — | 2.67 | — | 3.22 | 9.69 | 7.89 | 7.34 |
| P/OCF | 3.10 | 3.14 | 3.26 | — | — | 2.17 | — | 2.80 | 8.50 | 7.09 | 7.06 |
P/E links to full P/E history page with 30-year chart
KINS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Kingstone Companies, Inc.'s enterprise value stands at 4.2x EBITDA, 22% below its 5-year average of 5.5x. The Financial Services sector median is 11.4x, placing the stock at a 63% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.16 | 1.10 | 0.27 | 0.21 | 0.36 | 0.62 | 0.56 | 1.74 | 1.94 | 1.23 |
| EV / EBITDA | 4.25 | 4.30 | 6.65 | — | — | — | 51.72 | — | 41.25 | 11.39 | 6.55 |
| EV / EBIT | 4.46 | 4.47 | 6.39 | — | — | — | 151.46 | — | 40.95 | 12.50 | 7.10 |
| EV / FCF | — | 3.15 | 3.08 | — | — | 2.95 | — | 3.11 | 10.11 | 7.12 | 6.52 |
KINS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Kingstone Companies, Inc. earns an operating margin of 25.6%, above the Financial Services sector average of 20.3%. Operating margins have expanded from -5.1% to 25.6% over the past 3 years, signaling improving operational efficiency. Return on equity of 43.0% is exceptionally high — well above the sector median of 9.0%. ROIC of 46.6% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.7% | 57.7% | 37.8% | 19.4% | 5.5% | 16.2% | 25.2% | 17.1% | 26.5% | 40.3% | 40.4% |
| Operating Margin | 25.6% | 25.6% | 15.0% | -5.1% | -21.5% | -5.8% | -1.0% | -5.4% | 2.6% | 15.5% | 17.3% |
| Net Profit Margin | 20.5% | 20.5% | 11.8% | -4.3% | -17.3% | -4.6% | 0.7% | -4.1% | 2.7% | 10.8% | 11.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 43.0% | 43.0% | 36.3% | -17.5% | -40.3% | -8.8% | 1.1% | -6.7% | 3.4% | 13.2% | 17.5% |
| ROA | 9.8% | 9.8% | 5.3% | -1.9% | -6.9% | -2.3% | 0.3% | -2.0% | 1.2% | 4.7% | 5.6% |
| ROIC | 46.6% | 46.6% | 34.9% | -11.0% | -32.1% | -7.7% | -1.0% | -6.4% | 2.6% | 18.0% | 26.4% |
| ROCE | 20.3% | 20.3% | 10.9% | -4.0% | -8.9% | -3.0% | -0.4% | -2.8% | 1.2% | 7.4% | 9.3% |
KINS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Kingstone Companies, Inc. carries a Debt/EBITDA ratio of 0.1x, which is very conservative (98% below the sector average of 4.3x). The company holds a net cash position — cash of $12M exceeds total debt of $4M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 115.7x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.04 | 0.17 | 0.73 | 0.70 | 0.39 | 0.32 | 0.33 | 0.33 | 0.31 | — |
| Debt / EBITDA | 0.08 | 0.08 | 0.43 | — | — | — | 18.80 | — | 6.11 | 1.85 | — |
| Net Debt / Equity | — | -0.06 | -0.26 | 0.47 | 0.36 | 0.07 | 0.11 | -0.03 | 0.09 | -0.20 | -0.21 |
| Net Debt / EBITDA | -0.14 | -0.14 | -0.68 | — | — | — | 6.46 | — | 1.70 | -1.22 | -0.83 |
| Debt / FCF | — | -0.11 | -0.31 | — | — | 0.28 | — | -0.11 | 0.42 | -0.76 | -0.82 |
| Interest Coverage | 115.65 | 115.65 | 7.63 | -0.84 | -12.84 | -4.15 | 0.29 | -3.26 | 2.65 | 238.17 | — |
Net cash position: cash ($12M) exceeds total debt ($4M)
KINS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.22x means Kingstone Companies, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 0.97x to 1.22x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.22 | 1.22 | 2.73 | 0.97 | 18.91 | 18.13 | 33.57 | 11.71 | 13.11 | 11.26 | 9.63 |
| Quick Ratio | 1.22 | 1.22 | 2.73 | 0.97 | 18.91 | 18.13 | 33.57 | 11.71 | 13.11 | 11.26 | 9.63 |
| Cash Ratio | 0.96 | 0.96 | 2.73 | 0.62 | 12.76 | 14.07 | 25.36 | 9.25 | 10.81 | 9.09 | 6.75 |
| Asset Turnover | — | 0.44 | 0.41 | 0.45 | 0.41 | 0.49 | 0.41 | 0.45 | 0.43 | 0.36 | 0.46 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
KINS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Kingstone Companies, Inc. returns 0.6% to shareholders annually primarily through dividends. The payout ratio of 3.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 17.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.6% | 0.6% | — | — | 8.9% | 3.2% | 2.7% | 4.2% | 2.3% | 1.6% | 1.8% |
| Payout Ratio | 3.5% | 3.5% | — | — | — | — | 201.3% | — | 138.3% | 32.2% | 21.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 17.7% | 17.1% | 9.7% | — | — | — | 1.4% | — | 1.6% | 5.0% | 8.3% |
| FCF Yield | 31.0% | 30.7% | 29.5% | — | — | 37.5% | — | 31.0% | 10.3% | 12.7% | 13.6% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | 3.2% | 1.7% | 0.0% | 0.3% | 0.1% | 0.1% |
| Total Shareholder Yield | 0.6% | 0.6% | 0.0% | 0.1% | 8.9% | 6.4% | 4.4% | 4.2% | 2.5% | 1.7% | 1.9% |
| Shares Outstanding | — | $14M | $12M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $8M |
Peer Comparison
Compare KINS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 KINSYou | $235M | 5.6 | 4.2 | 3.2 | 57.7% | 25.6% | 43.0% | 46.6% | 0.1 |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 HIHO | $3M | 32.7 | -22.9 | — | 33.3% | -7.2% | 1.6% | -31.7% | 10.9 |
 ACIC | $508M | 4.9 | 2.8 | 7.2 | 86.3% | 42.6% | 38.6% | 41.0% | 0.9 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 PLMR | $3B | 15.6 | 10.9 | 7.4 | 73.9% | 28.9% | 23.6% | 25.5% | 0.0 |
 NODK | $326M | -31.8 | — | 182.4 | 29.6% | -4.3% | -4.3% | -4.8% | — |
 KPTI | $77M | -0.5 | — | — | 95.9% | -62.1% | — | — | — |
 SIGI | $6B | 12.3 | 10.4 | 4.5 | 40.9% | 11.0% | 13.9% | 10.9% | 1.4 |
 ERIE | $10B | 20.8 | 12.4 | 17.9 | 15.8% | 17.7% | 26.2% | 29.5% | — |
 RNR | $13B | 5.3 | 3.4 | 3.5 | 40.7% | 31.5% | 14.6% | 16.0% | 0.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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KINS — Frequently Asked Questions
Quick answers to the most common questions about buying KINS stock.
What is Kingstone Companies, Inc.'s P/E ratio?
Kingstone Companies, Inc.'s current P/E ratio is 5.6x. The historical average is 18.2x. This places it at the 17th percentile of its historical range.
What is Kingstone Companies, Inc.'s EV/EBITDA?
Kingstone Companies, Inc.'s current EV/EBITDA is 4.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.0x.
What is Kingstone Companies, Inc.'s ROE?
Kingstone Companies, Inc.'s return on equity (ROE) is 43.0%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 6.0%.
Is KINS stock overvalued?
Based on historical data, Kingstone Companies, Inc. is trading at a P/E of 5.6x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Kingstone Companies, Inc.'s dividend yield?
Kingstone Companies, Inc.'s current dividend yield is 0.62% with a payout ratio of 3.5%.
What are Kingstone Companies, Inc.'s profit margins?
Kingstone Companies, Inc. has 57.7% gross margin and 25.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Kingstone Companies, Inc. have?
Kingstone Companies, Inc.'s Debt/EBITDA ratio is 0.1x, indicating low leverage. A ratio below 2x is generally considered financially healthy.