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Home CompaniesKingstone Companies Inc

Kingstone Companies Inc

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
22.54 USD -0.20 ( 0.88%)
Last update at 2026-11-11T21:14:00Z
VOLUME
108219
Market Cap
283.73M
P/E
8.00

Momentum Score

…

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, provides property and casualty insurance products in the United States. The company offers personal line of insurance products, such as homeowners, dwelling fire, cooperative/condominiums, renters, and personal umbrella policies; and commercial auto insurance products. It also underwrites for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. The company provides 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
22.08
Low
22.76
High
52 Week Price Range
13.25
Low
20.83
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Kingstone Companies, Inc. is a publicly traded property and casualty insurer underwriting personal and small commercial lines, with a regional focus on homeowners, dwelling fire and private passenger auto. Long-term growth may be supported by disciplined underwriting, pricing and modest premium expansion in niche markets, and investors may view the company as positioned to improve underwriting results and gain operating leverage.

Key risks include catastrophe and reserve volatility, competitive pressure and limited geographic diversification typical of smaller insurers, plus sensitivity to investment yields and regulatory change.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
22.74
Dividend Yield
1.01%
Revenue TTM
237.70M
Revenue Per Share
16.61
Gross Profit TTM
52.93M
Debt / Equity
0.04
ROE
31.51%
Net Debt
-7.74M
ROCE
37.20%
Diluted EPS TTM
2.45

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 51.05M 23.29M -7.37M -27.94M -9.41M
Net income 40.77M 18.36M -6.17M -22.52M -7.38M
Selling general administrative - - - - 4.18M
Gross profit 114.93M 58.58M 27.98M 127.05M 157.05M
Reconciled depreciation 2.56M 2.45M 2.97M 3.30M 3.29M
Ebit 51.49M 26.80M -3.36M 5.53M -10.26M
Ebitda 54.05M 29.25M -0.39M 8.83M -6.97M
Depreciation and amortization 2.56M 2.45M 2.97M 3.30M 3.29M
Operating income 51.05M 23.29M -7.37M 5.53M -10.26M
Other operating expenses 148.15M 131.85M 151.56M 158.10M 170.64M
Interest expense 0.45M 3.51M 4.00M 2.02M 1.83M
Tax provision 10.28M 4.93M -1.20M -5.42M -2.03M
Net interest income -0.45M -3.51M -4.00M -2.02M -1.83M
Income tax expense 10.28M 4.93M -1.20M -5.42M -2.03M
Total revenue 199.19M 155.14M 144.19M 130.16M 161.23M
Total operating expenses 63.88M 35.29M 35.34M 3.11M -171.49M
Cost of revenue 84.27M 96.56M 116.21M 3.11M 4.18M
Total other income expense net 0.61M -3.81M -150.56M -33.48M 0.85M
Net income from continuing ops 40.77M 18.36M -6.17M -22.52M -7.38M
Net income applicable to common shares - - - - -7.38M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 453.43M 374.92M 247.22M 320.33M 331.31M
Intangible assets 28.37M 0.50M 20.30M 0.50M 0.50M
Other current assets 2.14M -91.09M 58.30M - 40.29M
Total liab 330.69M 308.21M 212.71M 284.16M 255.64M
Total stockholder equity 122.73M 66.71M 34.50M 36.17M 75.67M
Other current liab -2683.40M -11541.24M 74.09M -13.06M -20.67M
Common stock 0.16M 0.14M 0.12M 0.12M 0.12M
Capital stock 0.16M 0.14M - 0.12M 0.12M
Retained earnings 34.60M -4.76M -23.11M -16.95M 6.86M
Other liab - - - - 94.95M
Good will - 24.73M - - -
Other assets 122799.15M -91.09M 0.00M 118.41M -119.49M
Cash 12.18M 28.67M 8.98M 11.96M 24.29M
Total current liabilities 315.00M 10.51M 86.93M 17.27M 20.67M
Current deferred revenue 158.03M 11541.24M 9460.86M 10.62M 9748.51M
Net debt -7.74M -17.50M 16.31M 13.20M 5.53M
Short term debt 4440.13M 11171.42M 9460.86M - -9727.84M
Short long term debt total 4.44M 11.17M 25.29M 25.16M 29.82M
Other stockholder equity 94.06M 83.50M 69.77M 68.95M 66.90M
Property plant equipment - - - - 9.29M
Total current assets 383.37M 28.67M 58.30M 180.55M 234.98M
Long term investments 305.14M 204.24M - 176.32M 206.03M
Net tangible assets - - - - 75.17M
Short term investments 289.04M 186.89M 34.46M 154.72M 158.08M
Net receivables 80.01M 91.09M 13604.81M 80.35M 52.61M
Long term debt 4.44M 11.17M - 25.16M 29.82M
Inventory - - -13613.78M - -
Accounts payable 5.23M 10.51M 12.84M 19.71M 20.67M
Accumulated other comprehensive income -6.08M -12.18M -12.27M -15.96M 1.80M
Non currrent assets other 8.96M 314.74M 139.54M -176.32M -192.25M
Non current assets total 70.06M 346.25M 188.91M 21.37M 215.83M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -93.65M -35.26M 9.46M -5.91M -15.95M
Change to liabilities - - - - 16.71M
Total cashflows from investing activities -92.86M -35.26M 9.46M - -15.95M
Net borrowings -7.17M -15.15M -1.09M - -
Total cash from financing activities 0.51M -2.99M -1.12M -5.51M -3.57M
Change to operating activities - - - - 21.87M
Net income 40.77M 18.36M -6.17M -22.52M -7.38M
Change in cash -16.49M 19.69M -2.98M -12.33M 4.83M
Begin period cash flow 28.67M 8.98M 11.96M 24.29M 19.46M
End period cash flow 12.18M 28.67M 8.98M 11.96M 24.29M
Total cash from operating activities 75.86M 57.95M -11.33M -0.92M 24.35M
Issuance of capital stock 9.47M 13.61M 0.00M 0.06M -
Depreciation 2.56M 2.45M 2.97M 3.30M 3.29M
Other cashflows from investing activities 3.60M -32.92M 62.79M - -
Dividends paid 1.41M 0.00M 0.00M -1.28M -1.69M
Change to inventory - - - - 18.50M
Change to account receivables 10.48M -2.01M -8.93M -27.87M 4.51M
Sale purchase of stock - -1.31M -0.01M 0.00M -1.67M
Other cashflows from financing activities -0.58M -1.45M -0.03M 5.95M -0.21M
Change to netincome - - - - -9.66M
Capital expenditures 2.81M 2.34M 1.83M 4.55M 4.50M
Change in working capital 32.09M 30.36M -6.86M 8.58M 37.92M
Stock based compensation 1.48M 1.38M 0.83M 1.39M 1.90M
Other non cash items -0.83M 0.47M -0.91M 13.75M -9.19M
Free cash flow 73.05M 55.61M -13.15M -5.47M 19.85M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
KINS
Kingstone Companies Inc		 -0.20
0.88%		 22.54 8.00 7.47 1.19 2.21 1.14 76.76
CB
Chubb Ltd		 1.22
0.33%		 370.33 12.11 11.83 2.13 1.75 2.45 -
PGR
Progressive Corp		 1.73
0.75%		 233.48 11.10 13.55 1.41 3.74 1.50 21.85
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.86 28.94 12.24 0.01 1.87 1.61 -
TKOMY
Tokio Marine Holdings Inc		 0.04
1.08%		 3.73 28.73 12.25 0.01 1.87 1.61 -

Profile*

Kingstone Companies Inc

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, provides property and casualty insurance products in the United States. The company offers personal line of insurance products, such as homeowners, dwelling fire, cooperative/condominiums, renters, and personal umbrella policies; and commercial auto insurance products. It also underwrites for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. The company provides 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.

120 Wood Road, Kingston, NY, United States, 12401

845 802 7900

https://www.kingstonecompanies.com

113

Name Title Year Born
Mr. Barry B. Goldstein Exec. Chairman, Pres & CEO 1953
Ms. Meryl S. Golden COO, Pres of Kingstone Insurance Co & Director 1960
Ms. Sarah Chen Chief Actuary of Kingstone Insurance Company 1983
Mr. Floyd R. Tupper Sec. & Independent Director 1955
Mr. Richard Jason Swartz Chief Accounting Officer NA
Ms. Sara D. Mikulski VP & CTO NA
Ms. Amanda M. Rofsky Investor Relations Director NA
Ms. Shannon A. Matty-Provvisiero VP of Marketing & Agency Relations NA
Mr. Robert Jacobson VP & Operations Mang. NA
Mr. Fred S. Skolnik Assistant Sec. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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