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KIKINS

Kingstone Companies, Inc.

$KINS·$235M·Insurance - Property & Casualty·Financial Services
$16.79+3.3%
Mentions · last 7 days
2026-06-15: 5,949 posts2026-06-16: 5,033 posts2026-06-17: 8,143 posts2026-06-18: 7,654 posts2026-06-19: 3,119 posts2026-06-20: 3,543 posts2026-06-21: 3,227 posts37,132
Price updated 1m ago·X counts updated 18h ago
KIKINS
$KINSKingstone Companies, Inc.
$16.79+3.29%37k posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $KINS, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersStalledAI verdict · as of 2026-06-22

The move has stalled — likely just drifts unless something new shows up.

A tiny New York-only homeowners insurer with the books of a quality compounder — but a soggy Q1 just put the underwriting model on trial.

Kingstone Companies is a small New York-only property & casualty insurer focused almost entirely on homeowners and dwelling-fire policies in the state. The stock looks cheap on paper, but a messy Q1 has put the underwriting discipline that justifies the multiple in the spotlight.

  • The base business looks like a real compounder, not a value trap: it earns a 25% return on invested capital and 28% return on equity with almost no debt, and trades at 7.3x trailing earnings versus a P&C peer set typically at 12-15x.
  • Q1 was bad and it matters: revenue grew 18% but operating margin flipped to -12% and the company lost $0.40 a share against a $0.26 loss expected — the kind of miss that for a single-state coastal insurer almost always traces back to one ugly weather quarter.
  • The one positive read on the tape is internal: director Thomas Newgarden bought $213K in the open market in late May, and the board authorized a 1M-share repurchase — small dollars, but consistent with management treating Q1 as a quarter, not the run-rate.

The setup hinges on the Q2 print on August 6. A combined ratio back under 100 (underwriting profit again) and the cheap multiple makes sense. Another underwriting loss and the question shifts from 'cheap insurer' to 'is the New York-only book too concentrated to insure profitably.'

What to watch: Q2 earnings on August 6, and specifically the combined ratio. A combined ratio back below 100% confirms Q1 was a weather hit. A second consecutive underwriting loss and single-state concentration becomes the story, not the cheap multiple.

On the calendar: 2026-08-06 — Q2 earnings

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What it does

Plain-English summary of the business — what they sell and how they make money.

Kingstone Companies, Inc., through its operating entity Kingstone Insurance Company, focuses on delivering property and casualty insurance to individual clients across New York. The firm's product range encompasses various personal lines, including coverage for homeowners, multi-peril dwelling fire incidents, cooperative and condominium units, renters, and personal umbrella liability. Beyond personal policies, Kingstone also offers specialized physical damage-only insurance for commercial for-hire vehicles such as livery cars, car services, and taxicabs, alongside canine legal liability policies and reinsurance solutions. Its offerings are distributed through a broad network of retail and wholesale agents and brokers. Founded in 1886 and headquartered in Kingston, New York, the company was formerly known as DCAP Group, Inc., prior to its name change in July 2009.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $KINS.

Insurance - Property & Casualty · Financial Services

Elevated catastrophe frequency remains the structural margin compressor — climate-driven cat events push combined ratios higher across P&C underwriters, keeping reinsurance costs sticky even as rate cycles moderate. Insurers with superior risk selection and capital discipline are diverging structurally from undisciplined peers.

Top industry ETF

$KIESPDR S&P Insurance ETF
-3.1%YTD
-1.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
7.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
25.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
18.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
27.2%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
28.3%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
55.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 7, 2026$-0.35$-0.26-34.6%
Q4 2025Mar 5, 2026$1.08$1.05+2.9%
Q3 2025Nov 6, 2025$0.73$0.71+2.8%
Q2 2025Aug 7, 2025$0.75$0.55+36.4%
Next earningsThu, Aug 6·consensus EPS $0.95

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$59.8M+18.4%23.7%-12.4%$-0.40$7.9M
Q4 FY25$40.7M-3.2%130%45.3%$1.04$22.1M
Q3 FY25$55.7M+36.5%43.3%24.6%$0.77$25.3M
Q2 FY25$52.3M+43.3%45.4%27.1%$0.81$8.7M

Forward consensus

2-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$328.9M$328.9M – $328.9M$2.60$2.60 – $2.601
FY27$394.1M$394.1M – $394.1M$3.00$3.00 – $3.001

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.50%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+5.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 11.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.485-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyMay 29Thomas NewgardenDirector8.0K sh$120KBuyMay 28Thomas NewgardenDirector6.0K sh$93KBuyMay 13Thomas NewgardenDirector15.2K sh$218KBuyMay 12Thomas NewgardenDirector15.3K sh$222KSellApr 16William L YankusDirector13.5K sh$243K
+ 18 other (11 awards · 6 inkinds · 1 exempt) in window

See when $KINS insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Are Investors Undervaluing Kingstone Companies (KINS) Right Now?zacks.com·12d agoDo Options Traders Know Something About Investors in Kingstone Companies Stock We Don't?zacks.com·26d agoKingstone Announces Date for 2026 Annual Meeting of Stockholdersglobenewswire.com·27d agoIs Kingstone Companies (KINS) Stock Undervalued Right Now?zacks.com·28d agoKingstone Announces Share Repurchase Program of up to 1,000,000 Sharesglobenewswire.com·34d ago

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Voices on X · last 7 days

No standout posts about $KINS on X in the last 7 days.

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