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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3728
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$207M
Barry B. Goldstein
Kingstone Companies, Inc. underwrites property and casualty insurance products to individuals in New York. The company offers personal line of insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = KINS ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$KINS KINGSTONE COMPANIES, INC. | 39 | 29 | 50 | 39 | 6.8x | 5.2x | 30.6% | 7.7% | 0.0% | 20.8% | 16.5% | 52.5% | 0.3% | 4.0x | $207M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
KINGSTONE COMPANIES, INC. (KINS) receives a "Avoid" rating with a composite score of 38.5/100. It ranks #3728 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Below-average composite — caution warranted
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for KINS.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 29 | 28 | +1NEUTRAL |
| MOMENTUM | 39 | 38 | +1NEUTRAL |
| VALUATION | 50 | 66 | -16DRAG |
| INVESTMENT | 26 | 26 | 0NEUTRAL |
| STABILITY | 23 | 13 | +10ALPHA |
| SHORT INT | 47 | 48 | -1NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 30.6% (sector 9.0%)
GM 0% vs sector 78%, OM 21% vs sector 18%
Capital turnover N/A
Rev growth 52%, 10yr history
Interest coverage 188.8x, Net debt/EBITDA -1.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate KINGSTONE COMPANIES, INC. (KINS) as Avoid with a composite score of 38.5/100 at a current price of $16.30. The stock falls in the bottom quintile, and the multi-factor weakness suggests a high probability of continued underperformance.
KINGSTONE COMPANIES, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 38.5/100 places it at rank #3728 in our full universe.
Narrow
High
Exemplary
Fair Value
Returns on equity of 30.6% exceed cost of capital.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
KINGSTONE COMPANIES, INC. represents a avoid based on multi-factor quantitative performance.
Our quantitative model flags KINGSTONE COMPANIES, INC. with an Avoid rating, assigning a composite score of 38.5/100 and 1 out of 5 stars. Ranked #3728 of 7,333 stocks, KINS falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.
KINS's quality score of 29/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 30.6% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 16.5% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
KINS's value score of 50/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 6.82x, an EV/EBITDA of 5.20x, a P/B ratio of 2.09x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
KINGSTONE COMPANIES, INC.'s investment score of 26/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 52.5% vs. a sector average of 10.7% and a return on assets of 7.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
KINS is currently showing below-average momentum at 39/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 52.5% year-over-year, while a beta of 0.81 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
KINGSTONE COMPANIES, INC. registers a low stability score of 23/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 0.81 and a debt-to-equity ratio of 4.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
The short interest score of 47/100 for KINS suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 4.00x), micro-cap liquidity risk. With a $207M market cap (micro-cap), KINGSTONE COMPANIES, INC. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
KINS offers a modest dividend yield of 0.3%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
KINGSTONE COMPANIES, INC. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3728 of 7,333 overall (49th percentile). Key comparisons include ROE of 30.6% exceeding the 9.0% sector median and operating margins of 20.8% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While KINS currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Stability (23) would have the largest impact on the composite score.
EV/EBITDA 33% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 240% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
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Kingstone (KINS) declares a $0.05 quarterly dividend (1.31% forward yield).