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Upturn AI SWOT - About
KINS 
Kingstone Companies Inc (KINS)
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Upturn Advisory Summary
03/27/2025: KINS (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 165.45% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 137.49M USD | Price to earnings Ratio 26.49 | 1Y Target Price 13.5 |
Price to earnings Ratio 26.49 | 1Y Target Price 13.5 | ||
Volume (30-day avg) 302528 | Beta 0.56 | 52 Weeks Range 3.93 - 19.18 | Updated Date 03/30/2025 |
52 Weeks Range 3.93 - 19.18 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-03-25 | When After Market | Estimate - | Actual 0.4031 |
Profitability
Profit Margin 3.74% | Operating Margin (TTM) 18.38% |
Management Effectiveness
Return on Assets (TTM) 2.18% | Return on Equity (TTM) 14.68% |
Valuation
Trailing PE 26.49 | Forward PE 7.47 | Enterprise Value 215788304 | Price to Sales(TTM) 1.5 |
Enterprise Value 215788304 | Price to Sales(TTM) 1.5 | ||
Enterprise Value to Revenue 1.39 | Enterprise Value to EBITDA 76.76 | Shares Outstanding 11505500 | Shares Floating 8808737 |
Shares Outstanding 11505500 | Shares Floating 8808737 | ||
Percent Insiders 25.68 | Percent Institutions 18.31 |
Analyst Ratings
Rating 5 | Target Price 13.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Kingstone Companies Inc
Company Overview
History and Background
Kingstone Companies, Inc. (KINS) provides property and casualty insurance products in New York. Founded in 1979, it evolved from a niche player in downstate New York to a broader regional insurer. Early milestones include establishing a strong presence in the New York market and expanding product offerings to include homeowners, dwelling fire, and commercial auto insurance.
Core Business Areas
- Personal Lines Insurance: Offers homeowners, dwelling fire, and personal umbrella insurance policies. This segment focuses on protecting individuals' personal property and providing liability coverage.
- Commercial Lines Insurance: Provides commercial auto, business owners, and other commercial property and liability insurance policies for small to medium-sized businesses.
Leadership and Structure
The leadership team consists of experienced insurance executives. The organizational structure comprises departments focused on underwriting, claims, sales, and finance, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Provides coverage for residential properties against various perils. Competitors include large national insurers like State Farm and Allstate, as well as regional players. Market share information is not publicly available in precise figures, but KINS is a smaller player relative to the nationals in their operating region.
- Commercial Auto Insurance: Offers coverage for commercial vehicles. Competitors include Progressive and Travelers. Again, precise market share data is not publicly available, and KINS holds a smaller segment than the larger national competitors within their operating footprint.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and influenced by factors like weather patterns, economic conditions, and regulatory changes.
Positioning
Kingstone Companies Inc. is positioned as a regional insurer focusing on underserved markets in the Northeast, offering tailored products and personalized service to compete with larger national players. Their advantage lies in understanding the regional market dynamics and customer needs better than national insurers.
Total Addressable Market (TAM)
The TAM for P&C insurance in the Northeast is estimated to be billions of dollars annually. KINS is positioned to capture a small but growing portion of this TAM by focusing on niche markets and leveraging its regional expertise.
Upturn SWOT Analysis
Strengths
- Regional expertise in the Northeast market
- Strong relationships with independent agents
- Tailored product offerings for niche markets
- Responsive claims service
Weaknesses
- Smaller scale compared to national competitors
- Geographic concentration (limited geographic diversification)
- Limited brand recognition outside of the Northeast
- Reliance on independent agents
Opportunities
- Expansion into new geographic markets within the Northeast
- Development of new insurance products to address evolving customer needs
- Increased adoption of technology to improve efficiency and customer service
- Strategic acquisitions to expand market share
Threats
- Increased competition from larger national insurers
- Catastrophic weather events (e.g., hurricanes, floods) impacting claims costs
- Changes in regulatory requirements
- Economic downturn impacting insurance demand
Competitors and Market Share
Key Competitors
- TRV
- ALL
- PGR
- HIG
Competitive Landscape
Kingstone Companies Inc. faces intense competition from larger, more established national insurers. Its advantage lies in its regional focus and tailored product offerings, but it must address its smaller scale and limited brand recognition to compete effectively. KINS does however focus in states where the larger insurers do not want to compete.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Past growth was driven by organic expansion and strategic acquisitions. Recent years have been more challenged operationally.
Future Projections: Analyst projections vary, but generally expect modest growth in the long term if operational issues can be resolved.
Recent Initiatives: Recent initiatives include cost-cutting measures and attempts to improve underwriting profitability.
Summary
Kingstone Companies Inc. is a small regional insurer facing significant operational challenges. While it has regional expertise, it struggles against larger competitors and needs to improve profitability. Recent dividend suspension reflects underlying financial pressures and the need for operational improvements. KINS must be ready to address the competitive landscape and improve operations to show positive progress.
Similar Companies
- TRV
- ALL
- PGR
- HIG
- WRB
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. The AI-based rating is for informational purposes only and should not be the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kingstone Companies Inc
Exchange NASDAQ | Headquaters Kingston, NY, United States | ||
IPO Launch date 1999-10-26 | President, CEO & Director Ms. Meryl S. Golden | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 99 | |
Full time employees 99 | |||
Kingstone Companies, Inc., through its subsidiary, provides property and casualty insurance products to individuals in the United States. It offers personal line of insurance products, such as homeowners and dwelling fire, cooperative/condominiums, renters, and personal umbrella policies. The company also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. In addition, it offers reinsurance products. The company underwrites its products through retail and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is headquartered in Kingston, New York.
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