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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt No Debt
KINS's Cash to Debt is ranked higher than
99% of the 546 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9999.00 vs. KINS: No Debt )
Ranked among companies with meaningful Cash to Debt only.
KINS' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.63 Max: No Debt
Current: No Debt
Equity to Asset 0.30
KINS's Equity to Asset is ranked lower than
60% of the 413 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.42 vs. KINS: 0.30 )
Ranked among companies with meaningful Equity to Asset only.
KINS' s 10-Year Equity to Asset Range
Min: -0.19  Med: 0.22 Max: 0.65
Current: 0.3
-0.19
0.65
Interest Coverage No Debt
KINS's Interest Coverage is ranked higher than
98% of the 441 Companies
in the Global Insurance Brokers industry.

( Industry Median: 10000.00 vs. KINS: No Debt )
Ranked among companies with meaningful Interest Coverage only.
KINS' s 10-Year Interest Coverage Range
Min: 1.12  Med: 29.69 Max: 9999.99
Current: No Debt
1.12
9999.99
F-Score: 5
Z-Score: 0.72
M-Score: -2.47
WACC vs ROIC
6.83%
33.03%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 28.13
KINS's Operating margin (%) is ranked higher than
63% of the 569 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.30 vs. KINS: 28.13 )
Ranked among companies with meaningful Operating margin (%) only.
KINS' s 10-Year Operating margin (%) Range
Min: -263.72  Med: 3.68 Max: 20.43
Current: 28.13
-263.72
20.43
Net-margin (%) 10.84
KINS's Net-margin (%) is ranked lower than
56% of the 576 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.72 vs. KINS: 10.84 )
Ranked among companies with meaningful Net-margin (%) only.
KINS' s 10-Year Net-margin (%) Range
Min: -227.21  Med: 4.34 Max: 57.45
Current: 10.84
-227.21
57.45
ROE (%) 16.00
KINS's ROE (%) is ranked higher than
72% of the 587 Companies
in the Global Insurance Brokers industry.

( Industry Median: 7.40 vs. KINS: 16.00 )
Ranked among companies with meaningful ROE (%) only.
KINS' s 10-Year ROE (%) Range
Min: -161.04  Med: 7.74 Max: 195.51
Current: 16
-161.04
195.51
ROA (%) 4.75
KINS's ROA (%) is ranked higher than
65% of the 598 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.27 vs. KINS: 4.75 )
Ranked among companies with meaningful ROA (%) only.
KINS' s 10-Year ROA (%) Range
Min: -58.8  Med: 1.77 Max: 47.75
Current: 4.75
-58.8
47.75
ROC (Joel Greenblatt) (%) 655.54
KINS's ROC (Joel Greenblatt) (%) is ranked higher than
90% of the 449 Companies
in the Global Insurance Brokers industry.

( Industry Median: 26.76 vs. KINS: 655.54 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
KINS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -300.68  Med: 10.61 Max: 351.01
Current: 655.54
-300.68
351.01
Revenue Growth (3Y)(%) -1.20
KINS's Revenue Growth (3Y)(%) is ranked lower than
54% of the 458 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.40 vs. KINS: -1.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KINS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -67.6  Med: 8.80 Max: 269.5
Current: -1.2
-67.6
269.5
EBITDA Growth (3Y)(%) 2.70
KINS's EBITDA Growth (3Y)(%) is ranked higher than
50% of the 320 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.70 vs. KINS: 2.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KINS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 10.75 Max: 165.9
Current: 2.7
0
165.9
EPS Growth (3Y)(%) 4.00
KINS's EPS Growth (3Y)(%) is ranked lower than
51% of the 310 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.60 vs. KINS: 4.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KINS' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.1  Med: 16.00 Max: 205.5
Current: 4
-51.1
205.5
» KINS's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

KINS Guru Trades in Q3 2014

Chuck Royce 100,928 sh (-67.26%)
» More
Q4 2014

KINS Guru Trades in Q4 2014

Jim Simons 10,301 sh (New)
Chuck Royce Sold Out
» More
Q1 2015

KINS Guru Trades in Q1 2015

Jim Simons 18,101 sh (+75.72%)
» More
Q2 2015

KINS Guru Trades in Q2 2015

Jim Simons 23,811 sh (+31.55%)
» More
» Details

Insider Trades

Latest Guru Trades with KINS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 10.06
KINS's P/E(ttm) is ranked higher than
76% of the 444 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.00 vs. KINS: 10.06 )
Ranked among companies with meaningful P/E(ttm) only.
KINS' s 10-Year P/E(ttm) Range
Min: 1.38  Med: 12.94 Max: 118.75
Current: 10.06
1.38
118.75
Forward P/E 6.41
KINS's Forward P/E is ranked higher than
93% of the 123 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.99 vs. KINS: 6.41 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.50
KINS's PE(NRI) is ranked higher than
76% of the 443 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.00 vs. KINS: 9.50 )
Ranked among companies with meaningful PE(NRI) only.
KINS' s 10-Year PE(NRI) Range
Min: 1.2  Med: 12.32 Max: 142.5
Current: 9.5
1.2
142.5
P/B 1.54
KINS's P/B is ranked lower than
57% of the 452 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.20 vs. KINS: 1.54 )
Ranked among companies with meaningful P/B only.
KINS' s 10-Year P/B Range
Min: 0.13  Med: 1.16 Max: 4.97
Current: 1.54
0.13
4.97
P/S 1.10
KINS's P/S is ranked higher than
81% of the 556 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.36 vs. KINS: 1.10 )
Ranked among companies with meaningful P/S only.
KINS' s 10-Year P/S Range
Min: 0.19  Med: 0.77 Max: 12.89
Current: 1.1
0.19
12.89
POCF 3.95
KINS's POCF is ranked higher than
77% of the 231 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9.99 vs. KINS: 3.95 )
Ranked among companies with meaningful POCF only.
KINS' s 10-Year POCF Range
Min: 1.62  Med: 3.46 Max: 230
Current: 3.95
1.62
230
EV-to-EBIT 3.61
KINS's EV-to-EBIT is ranked higher than
89% of the 409 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.68 vs. KINS: 3.61 )
Ranked among companies with meaningful EV-to-EBIT only.
KINS' s 10-Year EV-to-EBIT Range
Min: -47.2  Med: 4.95 Max: 95.4
Current: 3.61
-47.2
95.4
Shiller P/E 11.93
KINS's Shiller P/E is ranked higher than
73% of the 209 Companies
in the Global Insurance Brokers industry.

( Industry Median: 20.49 vs. KINS: 11.93 )
Ranked among companies with meaningful Shiller P/E only.
KINS' s 10-Year Shiller P/E Range
Min: 1  Med: 11.72 Max: 250
Current: 11.93
1
250
Current Ratio 0.55
KINS's Current Ratio is ranked lower than
93% of the 296 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.78 vs. KINS: 0.55 )
Ranked among companies with meaningful Current Ratio only.
KINS' s 10-Year Current Ratio Range
Min: 0.33  Med: 1.11 Max: 8.99
Current: 0.55
0.33
8.99
Quick Ratio 0.55
KINS's Quick Ratio is ranked lower than
93% of the 296 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.73 vs. KINS: 0.55 )
Ranked among companies with meaningful Quick Ratio only.
KINS' s 10-Year Quick Ratio Range
Min: 0.33  Med: 1.11 Max: 8.99
Current: 0.55
0.33
8.99
Days Sales Outstanding 317.06
KINS's Days Sales Outstanding is ranked lower than
79% of the 444 Companies
in the Global Insurance Brokers industry.

( Industry Median: 59.76 vs. KINS: 317.06 )
Ranked among companies with meaningful Days Sales Outstanding only.
KINS' s 10-Year Days Sales Outstanding Range
Min: 13.55  Med: 67.43 Max: 5038.7
Current: 317.06
13.55
5038.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.29
KINS's Dividend Yield is ranked lower than
60% of the 508 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.18 vs. KINS: 2.29 )
Ranked among companies with meaningful Dividend Yield only.
KINS' s 10-Year Dividend Yield Range
Min: 0.85  Med: 2.42 Max: 3.15
Current: 2.29
0.85
3.15
Dividend Payout 0.23
KINS's Dividend Payout is ranked higher than
73% of the 310 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.42 vs. KINS: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
KINS' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.22 Max: 2
Current: 0.23
0.09
2
Dividend growth (3y) 44.20
KINS's Dividend growth (3y) is ranked higher than
92% of the 194 Companies
in the Global Insurance Brokers industry.

( Industry Median: -4.50 vs. KINS: 44.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
KINS' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 44.2
Current: 44.2
0
44.2
Yield on cost (5-Year) 2.29
KINS's Yield on cost (5-Year) is ranked lower than
63% of the 510 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.92 vs. KINS: 2.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KINS' s 10-Year Yield on cost (5-Year) Range
Min: 0.85  Med: 2.42 Max: 3.15
Current: 2.29
0.85
3.15
Share Buyback Rate -23.30
KINS's Share Buyback Rate is ranked lower than
83% of the 327 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.80 vs. KINS: -23.30 )
Ranked among companies with meaningful Share Buyback Rate only.
KINS' s 10-Year Share Buyback Rate Range
Min: 2.9  Med: -6.60 Max: -40.4
Current: -23.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
KINS's Price/Tangible Book is ranked lower than
55% of the 423 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.24 vs. KINS: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
KINS' s 10-Year Price/Tangible Book Range
Min: 0.21  Med: 1.59 Max: 14.75
Current: 1.6
0.21
14.75
Price/Projected FCF 1.91
KINS's Price/Projected FCF is ranked lower than
75% of the 199 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.17 vs. KINS: 1.91 )
Ranked among companies with meaningful Price/Projected FCF only.
KINS' s 10-Year Price/Projected FCF Range
Min: 0.09  Med: 1.43 Max: 6.38
Current: 1.91
0.09
6.38
Price/Median PS Value 1.41
KINS's Price/Median PS Value is ranked lower than
74% of the 458 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.00 vs. KINS: 1.41 )
Ranked among companies with meaningful Price/Median PS Value only.
KINS' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.17 Max: 14.93
Current: 1.41
0.52
14.93
Price/Peter Lynch Fair Value 0.51
KINS's Price/Peter Lynch Fair Value is ranked higher than
73% of the 74 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.82 vs. KINS: 0.51 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
KINS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.05  Med: 0.56 Max: 7.93
Current: 0.51
0.05
7.93
Price/Graham Number 0.84
KINS's Price/Graham Number is ranked higher than
60% of the 296 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.96 vs. KINS: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
KINS' s 10-Year Price/Graham Number Range
Min: 0.26  Med: 1.08 Max: 2.86
Current: 0.84
0.26
2.86
Earnings Yield (Greenblatt) (%) 27.84
KINS's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 569 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.30 vs. KINS: 27.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KINS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 12.80 Max: 42.5
Current: 27.84
1
42.5
Forward Rate of Return (Yacktman) (%) 19.64
KINS's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 190 Companies
in the Global Insurance Brokers industry.

( Industry Median: 5.47 vs. KINS: 19.64 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KINS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -80  Med: 0.30 Max: 216
Current: 19.64
-80
216

Analyst Estimate

Dec15 Dec16
EPS($) 0.89 1.35
EPS without NRI($) 0.89 1.35

Business Description

Industry: Brokers & Exchanges » Insurance Brokers
Compare:BRO, AON, WSH, MMC, ERIE » details
Traded in other countries:DJ4A.Germany,
Kingstone Companies Inc was incorporated in 1961. On December 13, 2013, it completed an underwritten public offering. The Company offers property and casualty insurance products to small businesses and individuals in New York State through its wholly-owned subsidiary, Kingstone Insurance Company ('KICO'). KICO is a licensed property and casualty insurance company in the State of New York. KICO also has obtained a license to write property and casualty insurance in Pennsylvania; however, KICO has only nominally commenced writing business in Pennsylvania. Payments, Inc., its wholly-owned subsidiary, is a licensed premium finance company in the State of New York and receives fees for placing contracts with a third party licensed premium finance company. The Company generates revenues from earned premiums, ceding commissions from quota share reinsurance, net investment income generated from its investment portfolio, and net realized gains and losses on investment securities. It also receives installment fee income, fees charged to reinstate a policy after it has been cancelled for non-payment, and fees for placing premium finance contracts with a third party licensed premium finance company. Its product lines include: Personal lines, Commercial liability, Commercial automobile and Livery physical damage and other. Its main line of business is personal lines, consisting of homeowners, dwelling fire, 3-4 family dwelling package, condominium, renters, mechanical breakdown, service line and personal umbrella policies. The Company's primary market consists of New York City, Long Island and Westchester County. Through commercial liability, it offers business owners policies which consist mainly of small business retail risks without a residential exposure. It also writes artisan's liability policies and special multi-peril property and liability policies. Through commercial automobile, it provides physical damage and liability coverage for light vehicles owned by small contractors and artisans. Through livery physical damage and other, the Company writes for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs as well as canine legal liability policies. The Company generates business through its relationships with over 350 independent producers. It competes with large national carriers as well as regional and local carriers in the property and casualty marketplace in New York. The Company, as the parent of KICO, is subject to the insurance holding company laws of the state of New York.
» More Articles for KINS

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: UNTK, PTEK, HTH, KINS, GFN Dec 31 2012 
Kingstone Companies Inc. Reports Operating Results (10-Q) Aug 16 2010 
Kingstone Companies Inc. Reports Operating Results (10-Q) May 19 2010 
Kingstone Companies Inc. (KINS) CEO Barry Goldstein buys 3,000 Shares Dec 07 2009 
Kingstone Companies Inc. (KINS) CEO Barry Goldstein buys 2,600 Shares Jul 07 2009 

More From Other Websites
Kingstone Insurance Approved to Write Property and Casualty Insurance in Texas Sep 02 2015
Kingstone Cos., Inc. Earnings Q2, 2015 Aug 28 2015
KINGSTONE COMPANIES, INC. Financials Aug 26 2015
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KINGSTONE COMPANIES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 12 2015
Kingstone Announces 2015 Second Quarter and First Half Financial Results Aug 12 2015
KINGSTONE COMPANIES, INC. Files SEC form 10-Q, Quarterly Report Aug 12 2015
Kingstone Announces 2015 Second Quarter and First Half Financial Results Aug 12 2015
Kingstone Stockholders Approve Company Proposals at Annual Meeting Aug 12 2015
Q2 2015 Kingstone Companies Inc Earnings Release - After Market Close Aug 12 2015
Kingstone Stockholders Approve Company Proposals at Annual Meeting Aug 11 2015
KINGSTONE COMPANIES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 24 2015
Kingstone Companies Schedules 2015 Second Quarter Financial Results and Conference Call Jul 23 2015
Kingstone Companies Schedules 2015 Second Quarter Financial Results and Conference Call Jul 23 2015
Edited Transcript of KINS earnings conference call or presentation 14-May-15 12:30pm GMT Jul 16 2015
Kingstone Companies Announces Signing of New Reinsurance Treaties Jul 10 2015
KINGSTONE COMPANIES, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 09 2015
A.M. Best Upgrades Ratings of Kingstone Insurance Company and Kingstone Companies Inc. May 19 2015
KINGSTONE COMPANIES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... May 15 2015
CORRECTING and REPLACING Kingstone Announces 2015 First Quarter Financial Results May 14 2015

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