Stocks · Financial Services · Insurance - Property & Casualty
Kingstone Companies, Inc. KINS
$18.50 +1.98% Close, Oct 2, 2026 · NASDAQ · Market cap $268.0M
Inexpensive vs sector
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 83 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $222.0M, up 19.6% from a year earlier, slowing from 22.7% a quarter earlier.
- Diluted EPS over the last four quarters was $2.42, up 21.0% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 23%
- EPS growth (TTM, YoY)Top 48%
- FCF growth (TTM, YoY)Top 48%
- Revenue growth, 3-year CAGRTop 48%
- Revenue growth accelerationBottom 31%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 32%
- Gross marginBottom 37%
- Operating marginBottom 46%
- Cash conversion (OCF / net income)Top 15%
- Accruals (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Top 1%
- Interest coverTop 2%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 8%
- Free-cash-flow yieldTop 8%
- P/E vs own 5-year history (lower is better)Top 34%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 16%
- 6-month returnTop 12%
- 1-year return vs S&P 500Top 23%
- Distance from 52-week highBottom 46%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 19%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 47%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 22%
- Maximum drawdown, 3 yearsBottom 27%
- Beta vs S&P 500 (lower is better)Top 38%
- Net debt / EBITDA (lower is better)Top 1%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 22.7% | 19.6% | ↓ |
| EPS growth (YoY) | 35.2% | 21.0% | ↓ |
| Gross margin | 38.9% | 60.0% | ↑ |
| Operating margin | 18.7% | 19.9% | ↑ |
| FCF margin | 37.2% | 37.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 19.6% | 22.7% | ↓ | Top 23% |
| EPS growth (TTM, YoY) | 21.0% | 35.2% | ↓ | Top 48% |
| Gross margin | 60.0% | 38.9% | ↑ | Bottom 37% |
| Operating margin | 19.9% | 18.7% | ↑ | Bottom 46% |
| Net margin | 15.9% | 14.8% | ↑ | — |
| Free-cash-flow margin | 37.4% | 37.2% | ↑ | — |
| Return on invested capital | 0.1% | — | Bottom 32% | |
| Revenue growth, 3-year CAGR | 15.2% | — | Top 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.44×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -93.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -277.63×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 164.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.07%
- Net buyback yield (TTM)
- -0.06%
- Shareholder yield
- 1.00%
- Share count change, 1 year
- +2.0%
- Share count change, 3-year CAGR
- +10.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -4.9%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 3 of 8
Analysts
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +9.5% | +2.1% | -3.7% | -2.6% | — |
| May 7, 2026 | -34.6% | -1.8% | -13.9% | -8.0% | +22.6% |
| Mar 5, 2026 | +2.9% | -1.7% | -8.4% | -11.9% | -9.9% |
| Nov 6, 2025 | +2.8% | -1.2% | +0.3% | +0.9% | +1.1% |
| Aug 7, 2025 | +36.4% | +5.3% | +1.2% | -6.1% | -6.0% |
| May 8, 2025 | — | +0.2% | -3.9% | -17.4% | -12.7% |
| Mar 13, 2025 | +0.0% | -4.2% | +8.2% | +14.9% | +6.7% |
| Nov 12, 2024 | +0.0% | -2.8% | +4.5% | +25.0% | +41.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $1.04 | $0.95 | +9.5% | $72.5M |
| May 7, 2026 | -$0.35 | -$0.26 | -34.6% | $69.6M |
| Mar 5, 2026 | $1.08 | $1.05 | +2.9% | $82.8M |
| Nov 6, 2025 | $0.73 | $0.71 | +2.8% | $55.7M |
| Aug 7, 2025 | $0.75 | $0.55 | +36.4% | $52.3M |
| May 8, 2025 | $0.17 | — | — | $50.5M |
| Mar 13, 2025 | $0.46 | $0.46 | +0.0% | $42.1M |
| Nov 12, 2024 | $0.50 | $0.50 | +0.0% | $40.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.6× | 8.2× | 36th | Top 8% |
| P/E (forward) | 7.0× | — | — | — |
| Free-cash-flow yield | 31.00% | — | — | Top 8% |
| Earnings yield | 13.08% | — | — | Top 8% |
P/E over the past five years
Range 5.5× – 388.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +27.8%
- Earnings per share growth (TTM)
- +21.0%
- Change in P/E multiple
- +5.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 83
- 50-day average slope (20 days)
- -1.4%
- 200-day average slope (20 days)
- +2.3%
- Distance from 50-day average
- -5.1%
- Distance from 200-day average
- +7.6%
- RSI (14)
- 44.4
- Relative volume
- 0.70×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 33.5%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.57
- Correlation with S&P 500
- 0.16
- Current drawdown from 1-year high
- -11.1%
- Maximum drawdown, 3 years
- -39.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 30, 2021 | Nov 16, 2022 | -91.7% | 413 days | 437 days (Aug 15, 2024) |
| May 9, 2025 | Sep 9, 2025 | -39.0% | 83 days | Not yet recovered |
| Aug 19, 2024 | Aug 22, 2024 | -29.2% | 3 days | 56 days (Nov 11, 2024) |
| Feb 6, 2025 | Mar 13, 2025 | -26.4% | 24 days | 32 days (Apr 29, 2025) |
| Dec 20, 2024 | Jan 13, 2025 | -22.7% | 13 days | 15 days (Feb 4, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $268.0M
- P/E (TTM)
- 7.6
- EPS, diluted (TTM)
- $2.42
- Revenue (TTM)
- $222.0M
- Dividend yield
- 1.14%
- 52-week range
- $13.83 – $20.90
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $161.2M | $130.2M | $144.2M | $155.1M | $199.2M |
| Gross profit | $26.1M | $7.2M | $28.0M | $58.6M | $114.9M |
| Operating income | -$9.4M | -$27.9M | -$7.4M | $23.3M | $51.0M |
| Net income | -$7.4M | -$22.5M | -$6.2M | $18.4M | $40.8M |
| EPS (diluted) | -$0.70 | -$2.12 | -$0.57 | $1.48 | $2.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $40.8M | $42.1M | $50.5M | $52.3M | $55.7M | $40.7M | $59.8M | $65.9M |
| Net income | $7.0M | $5.4M | $3.9M | $11.3M | $10.9M | $14.8M | -$5.8M | $15.5M |
| EPS (diluted) | $0.55 | $0.40 | $0.27 | $0.78 | $0.74 | $1.03 | -$0.40 | $1.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $24.3M | -$915,521 | -$11.3M | $57.9M | $75.9M |
| Capital expenditure | -$4.5M | -$4.6M | -$1.8M | -$2.3M | -$2.8M |
| Free cash flow | $19.8M | -$5.5M | -$13.2M | $55.6M | $73.1M |
| Dividends paid | -$1.7M | -$1.3M | $0 | $0 | -$1.4M |
| Net share buybacks | -$1.7M | $60,464 | $0 | $13.6M | $9.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $330.85B
- Total assets
- $477.93B
- Total liabilities
- $348.77B
- Total debt
- $3.80B
- Net debt
- -$13.12B
- Shareholders’ equity
- $129.16B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 11, 2026 | $0.06 | Aug 26, 2026 |
| May 11, 2026 | $0.05 | May 26, 2026 |
| Feb 11, 2026 | $0.05 | Feb 26, 2026 |
| Nov 10, 2025 | $0.05 | Nov 26, 2025 |
| Aug 11, 2025 | $0.05 | Aug 26, 2025 |
| Aug 30, 2022 | $0.04 | Sep 15, 2022 |
| May 27, 2022 | $0.04 | Jun 15, 2022 |
| Feb 25, 2022 | $0.04 | Mar 15, 2022 |
Short interest
- Shares sold short
- 334,885
- Days to cover
- 4.78
- Change vs previous report
- -8.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 26, 2004
- 1-for-5