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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
KINS's Cash to Debt is ranked higher than
79% of the 608 Companies
in the Global Insurance Brokers industry.

( Industry Median: 8.20 vs. KINS: No Debt )
KINS' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: No Debt

Equity to Asset 0.30
KINS's Equity to Asset is ranked higher than
58% of the 596 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.34 vs. KINS: 0.30 )
KINS' s 10-Year Equity to Asset Range
Min: -0.19   Max: 0.84
Current: 0.3

-0.19
0.84
Interest Coverage No Debt
KINS's Interest Coverage is ranked higher than
83% of the 479 Companies
in the Global Insurance Brokers industry.

( Industry Median: 85.83 vs. KINS: No Debt )
KINS' s 10-Year Interest Coverage Range
Min: 1.12   Max: 9999.99
Current: No Debt

1.12
9999.99
F-Score: 6
Z-Score: 0.65
M-Score: -2.69
WACC vs ROIC
0.49%
19.18%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 15.74
KINS's Operating margin (%) is ranked higher than
65% of the 664 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.09 vs. KINS: 15.74 )
KINS' s 10-Year Operating margin (%) Range
Min: -263.72   Max: 20.43
Current: 15.74

-263.72
20.43
Net-margin (%) 10.65
KINS's Net-margin (%) is ranked higher than
62% of the 666 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.53 vs. KINS: 10.65 )
KINS' s 10-Year Net-margin (%) Range
Min: -227.21   Max: 57.45
Current: 10.65

-227.21
57.45
ROE (%) 14.09
KINS's ROE (%) is ranked higher than
83% of the 669 Companies
in the Global Insurance Brokers industry.

( Industry Median: 8.01 vs. KINS: 14.09 )
KINS' s 10-Year ROE (%) Range
Min: -161.04   Max: 195.51
Current: 14.09

-161.04
195.51
ROA (%) 4.19
KINS's ROA (%) is ranked higher than
77% of the 674 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.90 vs. KINS: 4.19 )
KINS' s 10-Year ROA (%) Range
Min: -58.8   Max: 47.75
Current: 4.19

-58.8
47.75
ROC (Joel Greenblatt) (%) 336.49
KINS's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 664 Companies
in the Global Insurance Brokers industry.

( Industry Median: 60.93 vs. KINS: 336.49 )
KINS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -123.32   Max: 351.01
Current: 336.49

-123.32
351.01
Revenue Growth (3Y)(%) -1.20
KINS's Revenue Growth (3Y)(%) is ranked higher than
65% of the 547 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.40 vs. KINS: -1.20 )
KINS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -67.6   Max: 269.5
Current: -1.2

-67.6
269.5
EBITDA Growth (3Y)(%) 2.70
KINS's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 420 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.80 vs. KINS: 2.70 )
KINS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 165.9
Current: 2.7

0
165.9
EPS Growth (3Y)(%) 4.00
KINS's EPS Growth (3Y)(%) is ranked higher than
70% of the 410 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.00 vs. KINS: 4.00 )
KINS' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.1   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

Q1 2014

KINS Guru Trades in Q1 2014

Chuck Royce 284,935 sh (+30.41%)
» More
Q2 2014

KINS Guru Trades in Q2 2014

Chuck Royce 308,243 sh (+8.18%)
» More
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
» 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) 10.40
KINS's P/E(ttm) is ranked higher than
91% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 32.70 vs. KINS: 10.40 )
KINS' s 10-Year P/E(ttm) Range
Min: 1.38   Max: 118.75
Current: 10.4

1.38
118.75
Forward P/E 5.77
KINS's Forward P/E is ranked higher than
98% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. KINS: 5.77 )
N/A
PE(NRI) 10.40
KINS's PE(NRI) is ranked higher than
91% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 32.40 vs. KINS: 10.40 )
KINS' s 10-Year PE(NRI) Range
Min: 1.2   Max: 142.5
Current: 10.4

1.2
142.5
P/B 1.35
KINS's P/B is ranked higher than
69% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.02 vs. KINS: 1.35 )
KINS' s 10-Year P/B Range
Min: 0.13   Max: 4.97
Current: 1.35

0.13
4.97
P/S 1.10
KINS's P/S is ranked higher than
85% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.92 vs. KINS: 1.10 )
KINS' s 10-Year P/S Range
Min: 0.19   Max: 12.89
Current: 1.1

0.19
12.89
POCF 3.19
KINS's POCF is ranked higher than
95% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 154.26 vs. KINS: 3.19 )
KINS' s 10-Year POCF Range
Min: 1.62   Max: 230
Current: 3.19

1.62
230
EV-to-EBIT 5.71
KINS's EV-to-EBIT is ranked higher than
94% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 38.52 vs. KINS: 5.71 )
KINS' s 10-Year EV-to-EBIT Range
Min: -47.2   Max: 95.4
Current: 5.71

-47.2
95.4
Shiller P/E 11.88
KINS's Shiller P/E is ranked higher than
95% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. KINS: 11.88 )
KINS' s 10-Year Shiller P/E Range
Min: 1   Max: 250
Current: 11.88

1
250
Current Ratio 0.59
KINS's Current Ratio is ranked lower than
66% of the 435 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.57 vs. KINS: 0.59 )
KINS' s 10-Year Current Ratio Range
Min: 0.47   Max: 5.68
Current: 0.59

0.47
5.68
Quick Ratio 0.59
KINS's Quick Ratio is ranked lower than
65% of the 435 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.47 vs. KINS: 0.59 )
KINS' s 10-Year Quick Ratio Range
Min: 0.47   Max: 5.68
Current: 0.59

0.47
5.68
Days Sales Outstanding 334.17
KINS's Days Sales Outstanding is ranked higher than
60% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 184.72 vs. KINS: 334.17 )
KINS' s 10-Year Days Sales Outstanding Range
Min: 13.55   Max: 5038.7
Current: 334.17

13.55
5038.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.53
KINS's Dividend Yield is ranked higher than
52% of the 443 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.43 vs. KINS: 2.53 )
KINS' s 10-Year Dividend Yield Range
Min: 0.85   Max: 3.15
Current: 2.53

0.85
3.15
Dividend Payout 0.25
KINS's Dividend Payout is ranked higher than
91% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. KINS: 0.25 )
KINS' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.7
Current: 0.25

0.09
0.7
Dividend growth (3y) 44.20
KINS's Dividend growth (3y) is ranked higher than
94% of the 300 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.90 vs. KINS: 44.20 )
KINS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 44.2
Current: 44.2

0
44.2
Yield on cost (5-Year) 2.50
KINS's Yield on cost (5-Year) is ranked lower than
51% of the 443 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.60 vs. KINS: 2.50 )
KINS' s 10-Year Yield on cost (5-Year) Range
Min: 0.85   Max: 3.15
Current: 2.5

0.85
3.15
Share Buyback Rate -23.30
KINS's Share Buyback Rate is ranked lower than
54% of the 418 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.30 vs. KINS: -23.30 )
KINS' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -40.4
Current: -23.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.43
KINS's Price/Tangible Book is ranked higher than
71% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.80 vs. KINS: 1.43 )
KINS' s 10-Year Price/Tangible Book Range
Min: 0.21   Max: 14.75
Current: 1.43

0.21
14.75
Price/DCF (Projected) 1.70
KINS's Price/DCF (Projected) is ranked higher than
84% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. KINS: 1.70 )
KINS' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 2.15
Current: 1.7

0.12
2.15
Price/Median PS Value 1.44
KINS's Price/Median PS Value is ranked higher than
58% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.32 vs. KINS: 1.44 )
KINS' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 2.22
Current: 1.44

0.66
2.22
Price/Graham Number 0.81
KINS's Price/Graham Number is ranked higher than
86% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.50 vs. KINS: 0.81 )
KINS' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 2.62
Current: 0.81

0.17
2.62
Earnings Yield (Greenblatt) 17.50
KINS's Earnings Yield (Greenblatt) is ranked higher than
94% of the 654 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.90 vs. KINS: 17.50 )
KINS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 42.5
Current: 17.5

1
42.5
Forward Rate of Return (Yacktman) -12.65
KINS's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 256 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.11 vs. KINS: -12.65 )
KINS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -80   Max: 216
Current: -12.65

-80
216

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 

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Kingstone Companies Schedules 2014 Fourth Quarter And Year End Financial Results and Conference Call Mar 13 2015
KINGSTONE COMPANIES TO PRESENT AT UPCOMING INVESTOR CONFERENCES Mar 13 2015
KINGSTONE COMPANIES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 09 2015
Kingstone Companies Schedules 2014 Fourth Quarter and Year End Financial Results and Conference Call Mar 06 2015
ICIEC -- Moody's: GCC reinsurers' underwriting margins face pressure as competition intensifies Mar 04 2015
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