# Kingstone Companies Inc. (KINS) fundamentals

Data as of 2026-11-10. NASDAQ, United States. Sector: Financial Services / Insurance. Price $22.74, market value $329 million.

## Valuation
- **P/E (trailing): 7.8×** (5-yr avg 8.0×, 3-yr avg 8.0×). Kingstone Companies Inc. trades at 7.8× trailing earnings, close to its own five-year average of 8.0×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.8×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.08**. A PEG of 0.08 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.3×**. Each dollar of revenue is priced at 1.3×.
- **Price / book: 2.4×**. The shares trade at 2.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 23.9%** (5-yr avg 0.6%). Free cash flow equals 23.9% of the market value, above its five-year average of 0.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 12.8%**. The inverse of the P/E: 12.8% of the price is earned each year.

## Profitability
- **Net margin: 19.0%**. 19.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 33.2%**. 33.2% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 9.3%**. Each dollar of assets produces 9.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 38.5%** (3-yr 18.2%/yr, 5-yr 10.3%/yr). Revenue grew 38.5% over the last year, against 10.3% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 94.6%** (5-yr 100.0%/yr). Earnings per share rose 94.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.10%** ($0.21 per share, trailing). Kingstone Companies Inc. yields 1.10%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 3%** (4% of free cash flow). 3% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -11.4%/yr**. The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 49.0%** (YTD 30.9%, 3-mo 14.2%). The shares are up 49.0% over twelve months including dividends.
- **From 52-week high: -1.0%** (64.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 67**. An RSI of 67 is neutral.
- **Beta (1 yr): 0.59** (volatility 38%). Beta of 0.59 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=KINS · Page: https://foliofundamentals.com/stocks/kins

Not investment advice.