Financial Snapshot

Revenue
$149.6M
TTM
Gross Margin
Net Earnings
$15.87M
TTM
Current Assets
Current Liabilities
$7.750M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$59.67M
Q3 2024
Cash
Q3 2024
P/E
12.92
Nov 29, 2024 EST
Free Cash Flow
$37.20M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $144.2M $130.2M $161.2M $131.4M $145.1M $113.8M $92.80M $77.40M $64.20M $50.10M $36.60M $29.10M $27.70M $21.60M $8.400M $400.0K $600.0K $7.100M $12.00M $15.10M $8.700M $3.800M $2.600M $7.800M $9.100M $1.000M $1.000M $1.100M $1.000M
YoY Change 10.78% -19.27% 22.73% -9.48% 27.52% 22.63% 19.9% 20.56% 28.14% 36.89% 25.77% 5.05% 28.24% 157.14% 2000.0% -33.33% -91.55% -40.83% -20.53% 73.56% 128.95% 46.15% -66.67% -14.29% 810.0% 0.0% -9.09% 10.0% 0.0%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue $144.2M $130.2M $161.2M $131.4M $145.1M $113.8M $92.80M $77.40M $64.20M $50.10M $36.60M $29.10M $27.70M $21.60M $8.400M $400.0K $600.0K $7.100M $12.00M $15.10M $8.700M $3.800M $2.600M $7.800M $9.100M $1.000M $1.000M $1.100M $1.000M
Cost Of Revenue $82.85M $88.39M
Gross Profit $61.34M $41.77M
Gross Profit Margin 42.54% 32.09%

Selling, General & Admin Expense

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Selling, General & Admin $33.45M $34.70M $33.11M $32.00M $30.20M $25.50M $21.20M $18.30M $15.30M $12.10M $9.400M $7.200M $6.200M $5.100M $2.400M $0.00 $2.300M $7.300M $9.600M $11.60M $6.800M $2.900M $3.100M $7.800M $8.400M $700.0K $700.0K $600.0K $500.0K
YoY Change -3.59% 4.78% 3.48% 5.96% 18.43% 20.28% 15.85% 19.61% 26.45% 28.72% 30.56% 16.13% 21.57% 112.5% -100.0% -68.49% -23.96% -17.24% 70.59% 134.48% -6.45% -60.26% -7.14% 1100.0% 0.0% 16.67% 20.0% 0.0%
% of Gross Profit 54.53% 83.06%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.973M $3.300M $3.290M $2.865M $2.376M $1.790M $1.400M $1.120M $1.030M $870.0K $650.0K $600.0K $600.0K $620.0K $270.0K $40.00K $290.0K $290.0K $410.0K $430.0K $280.0K $150.0K $290.0K $790.0K $720.0K $40.00K $50.00K $50.00K $50.00K
YoY Change -9.91% 0.3% 14.87% 20.57% 32.73% 27.86% 25.0% 8.74% 18.39% 33.85% 8.33% 0.0% -3.23% 129.63% 575.0% -86.21% 0.0% -29.27% -4.65% 53.57% 86.67% -48.28% -63.29% 9.72% 1700.0% -20.0% 0.0% 0.0% 0.0%
% of Gross Profit 4.85% 7.9%
Operating Expenses $147.6M $158.1M $170.6M $132.7M $152.9M $108.9M $78.40M $64.00M $53.90M $42.20M $33.70M $27.90M $24.00M $19.50M $8.300M $1.200M $2.400M $7.600M $10.00M $12.00M $7.100M $3.000M $3.400M $9.000M $9.500M $1.100M $1.100M $1.100M $1.000M
YoY Change -6.67% -7.35% 28.63% -13.24% 40.41% 38.9% 22.5% 18.74% 27.73% 25.22% 20.79% 16.25% 23.08% 134.94% 591.67% -50.0% -68.42% -24.0% -16.67% 69.01% 136.67% -11.76% -62.22% -5.26% 763.64% 0.0% 0.0% 10.0% 11.11%
Operating Profit -$86.21M -$116.3M
YoY Change -25.89%

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Interest Expense -$4.003M $2.019M $1.826M $1.826M $1.826M -$1.800M -$100.0K $0.00 -$100.0K -$100.0K -$100.0K -$300.0K -$200.0K $400.0K $800.0K $700.0K -$1.100M -$1.300M -$400.0K -$100.0K $0.00 -$100.0K -$100.0K $0.00
YoY Change -298.24% 10.56% 0.0% 0.0% -201.45% 1700.0% -100.0% 0.0% 0.0% -66.67% 50.0% -150.0% -50.0% 14.29% -163.64% -15.38% 225.0% 300.0% -100.0% 0.0%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Pretax Income -$7.366M -$27.94M -$9.409M -$1.288M -$7.800M $3.000M $14.30M $13.40M $10.30M $7.900M $2.800M $1.100M $3.600M $1.800M $5.000M -$400.0K -$900.0K $300.0K $900.0K $1.900M $1.400M $700.0K -$1.000M -$3.700M -$500.0K -$100.0K -$100.0K $0.00 $100.0K
YoY Change -73.64% 196.96% 630.65% -83.49% -360.0% -79.02% 6.72% 30.1% 30.38% 182.14% 154.55% -69.44% 100.0% -64.0% -1350.0% -55.56% -400.0% -66.67% -52.63% 35.71% 100.0% -170.0% -72.97% 640.0% 400.0% 0.0% -100.0% 0.0%
Income Tax -$1.197M -$5.418M -$2.031M -$2.260M -$1.816M -$100.0K $4.700M $4.500M $3.300M $2.500M $800.0K $300.0K $1.100M $800.0K -$100.0K -$400.0K -$400.0K $100.0K $400.0K $500.0K $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
% Of Pretax Income -3.33% 32.87% 33.58% 32.04% 31.65% 28.57% 27.27% 30.56% 44.44% -2.0% 33.33% 44.44% 26.32% 0.0% 0.0% 0.0%
Net Earnings -$6.168M -$22.52M -$7.378M $972.4K -$5.966M $3.100M $10.00M $8.900M $7.000M $5.300M $2.000M $800.0K $2.500M $1.000M $4.800M -$1.000M $0.00 $500.0K $500.0K $1.400M $1.300M $1.000M -$900.0K -$3.700M -$500.0K -$100.0K -$100.0K $0.00 $100.0K
YoY Change -72.62% 205.28% -858.78% -116.3% -292.46% -69.0% 12.36% 27.14% 32.08% 165.0% 150.0% -68.0% 150.0% -79.17% -580.0% -100.0% 0.0% -64.29% 7.69% 30.0% -211.11% -75.68% 640.0% 400.0% 0.0% -100.0% 0.0%
Net Earnings / Revenue -4.28% -17.31% -4.58% 0.74% -4.11% 2.72% 10.78% 11.5% 10.9% 10.58% 5.46% 2.75% 9.03% 4.63% 57.14% -250.0% 0.0% 7.04% 4.17% 9.27% 14.94% 26.32% -34.62% -47.44% -5.49% -10.0% -10.0% 0.0% 10.0%
Basic Earnings Per Share -$0.57 -$2.12 -$0.70 $0.09 -$0.55
Diluted Earnings Per Share -$0.57 -$2.12 -$0.70 $0.09 -$0.55 $289.7K $943.4K $1.141M $945.9K $716.2K $487.8K $205.1K $641.0K $0.29 $1.600M -$333.3K $0.00 $151.5K $156.3K $437.5K $448.3K $416.7K -$375.0K -$1.233M -$217.4K -$90.91K -$90.91K $0.00 $200.0K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $8.977M $11.96M $24.29M $19.50M $32.40M $21.10M $48.40M $12.00M $13.60M $9.900M $19.90M $2.200M $200.0K $300.0K $600.0K $100.0K $1.000M $1.200M $2.000M $500.0K $1.300M $600.0K $200.0K $800.0K $900.0K $400.0K $1.000M $1.300M $600.0K
Short-Term Investments
Other Short-Term Assets $300.0K $300.0K $100.0K $300.0K $100.0K $200.0K $0.00 $100.0K $0.00 $100.0K $0.00 $100.0K $0.00
YoY Change 0.0% 200.0% -66.67% 200.0% -50.0% -100.0% -100.0% -100.0%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $500.0K $1.700M $18.30M $24.60M $21.00M $1.400M $200.0K $500.0K $500.0K $200.0K $200.0K $100.0K
YoY Change -70.59% -90.71% -25.61% 17.14% 1400.0% 600.0% -60.0% 0.0% 150.0% 100.0%
Property, Plant & Equipment $9.396M $10.54M $9.292M $8.100M $7.600M $6.100M $4.800M $3.000M $3.200M $2.400M $2.000M $1.900M $1.600M $1.600M $1.700M $100.0K $200.0K $300.0K $300.0K $400.0K $400.0K $200.0K $400.0K $900.0K $1.400M $100.0K $100.0K $200.0K $200.0K
YoY Change -10.87% 13.46% 14.71% 6.58% 24.59% 27.08% 60.0% -6.25% 33.33% 20.0% 5.26% 18.75% 0.0% -5.88% 1600.0% -50.0% -33.33% 0.0% -25.0% 0.0% 100.0% -50.0% -55.56% -35.71% 1300.0% 0.0% -50.0% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $174.6M $179.1M $213.6M $202.9M $199.3M $174.4M $139.1M $95.50M $76.80M $64.30M $37.60M $32.10M $27.20M $19.90M $15.20M $0.00 $0.00 $100.0K $0.00 $0.00
YoY Change -2.49% -16.16% 5.27% 1.81% 14.28% 25.38% 45.65% 24.35% 19.44% 71.01% 17.13% 18.01% 36.68% 30.92% -100.0%
Other Assets $10.55M $10.33M $192.3K $0.00 $300.0K $400.0K $3.200M $16.40M $15.00M $100.0K $100.0K $0.00 $0.00 $0.00 $0.00
YoY Change 2.14% 5273.82% -100.0% -25.0% -80.49% 9.33% 14900.0% 0.0%
Total Long-Term Assets $22.70M $23.70M $4.200M $2.900M $3.600M $1.700M $1.000M $3.900M $7.700M $1.400M $1.500M $900.0K
YoY Change -4.22% 464.29% 44.83% -19.44% 111.76% 70.0% -74.36% -49.35% 450.0% 66.67%
Total Assets $317.6M $320.3M $331.3M $317.6M $321.2M $266.8M $254.5M $169.4M $149.1M $135.0M $116.8M $93.50M $69.70M $58.70M $52.60M $9.400M $23.20M $25.40M $22.50M $27.50M $24.60M $3.100M $1.200M $4.400M $8.200M $1.600M $1.600M $1.700M $1.000M
YoY Change
Accounts Payable $300.0K $400.0K $4.400M $5.500M $7.400M $600.0K $500.0K $1.300M $800.0K $0.00 $0.00 $0.00 $0.00
YoY Change -25.0% -90.91% -20.0% -25.68% 1133.33% 20.0% -61.54% 62.5%
Accrued Expenses $300.0K $400.0K $400.0K $600.0K $400.0K $200.0K $200.0K $600.0K $500.0K $200.0K $100.0K $100.0K $100.0K
YoY Change -25.0% 0.0% -33.33% 50.0% 100.0% 0.0% -66.67% 20.0% 150.0% 100.0% 0.0% 0.0%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $500.0K $300.0K $1.500M $1.100M $2.000M $0.00 $0.00 $9.800M $11.60M $9.000M $200.0K $200.0K $200.0K $200.0K $200.0K $200.0K $200.0K $200.0K
YoY Change -100.0% 66.67% -80.0% 36.36% -45.0% -100.0% -15.52% 28.89% 4400.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Long-Term Debt Due $2.100M $600.0K $200.0K $1.100M $100.0K $100.0K $100.0K $200.0K $400.0K
YoY Change 250.0% 200.0% -81.82% 1000.0% 0.0% 0.0% -50.0% -50.0%
Total Short-Term Liabilities $4.351M $6.652M $7.704M $8.400M $10.00M $6.800M $7.500M $5.400M $5.100M $3.900M $3.200M $8.400M $8.800M $7.300M $6.800M $3.000M $2.700M $1.400M $14.90M $19.20M $16.90M $1.200M $1.100M $2.600M $2.000M $400.0K $300.0K $300.0K $300.0K
YoY Change -34.6% -13.66% -8.28% -16.0% 47.06% -9.33% 38.89% 5.88% 30.77% 21.88% -61.9% -4.55% 20.55% 7.35% 126.67% 11.11% 92.86% -90.6% -22.4% 13.61% 1308.33% 9.09% -57.69% 30.0% 400.0% 33.33% 0.0% 0.0%
Long-Term Debt $25.24M $25.16M $29.82M $29.60M $29.50M $29.30M $29.10M $0.00 $0.00 $0.00 $0.00 $700.0K $700.0K $0.00 $1.300M $800.0K $1.300M $3.200M $2.100M $3.600M $4.600M $700.0K $300.0K $500.0K $600.0K $0.00 $0.00 $0.00 $0.00
YoY Change 0.34% -15.64% 0.76% 0.34% 0.68% 0.69% -100.0% 0.0% -100.0% 62.5% -38.46% -59.38% 52.38% -41.67% -21.74% 557.14% 133.33% -40.0% -16.67%
Other Long-Term Liabilities $13.26M $13.46M $12.44M $2.800M $10.90M $4.800M $5.700M $8.300M $7.600M $7.000M $7.800M $8.000M $500.0K $400.0K $400.0K $200.0K $12.80M $14.40M $300.0K $300.0K $300.0K $0.00 $100.0K $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -1.49% 8.17% 344.36% -74.31% 127.08% -15.79% -31.33% 9.21% 8.57% -10.26% -2.5% 1500.0% 25.0% 0.0% 100.0% -98.44% -11.11% 4700.0% 0.0% 0.0% -100.0%
Total Long-Term Liabilities $38.50M $38.62M $42.27M $32.40M $40.40M $34.10M $34.80M $8.300M $7.600M $7.000M $7.800M $8.700M $1.200M $400.0K $1.700M $1.000M $14.10M $17.60M $2.400M $3.900M $4.900M $700.0K $400.0K $500.0K $600.0K $0.00 $0.00 $0.00 $0.00
YoY Change -0.3% -8.63% 30.45% -19.8% 18.48% -2.01% 319.28% 9.21% 8.57% -10.26% -10.34% 625.0% 200.0% -76.47% 70.0% -92.91% -19.89% 633.33% -38.46% -20.41% 600.0% 75.0% -20.0% -16.67%
Total Liabilities $283.1M $284.2M $255.6M $224.8M $233.0M $178.1M $160.0M $112.8M $103.9M $94.50M $81.10M $77.20M $54.40M $45.70M $42.30M $4.200M $17.10M $19.40M $17.30M $23.10M $21.90M $1.800M $1.500M $3.000M $3.100M $400.0K $300.0K $300.0K $300.0K
YoY Change -0.36% 11.16% 13.72% -3.52% 30.83% 11.31% 41.84% 8.57% 9.95% 16.52% 5.05% 41.91% 19.04% 8.04% 907.14% -75.44% -11.86% 12.14% -25.11% 5.48% 1116.67% 20.0% -50.0% -3.23% 675.0% 33.33% 0.0% 0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Basic Shares Outstanding 10.76M shares 10.65M shares 10.59M shares 10.72M shares 10.77M shares
Diluted Shares Outstanding 10.76M shares 10.65M shares 10.59M shares 10.73M shares 10.77M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $205 Million

About KINGSTONE COMPANIES, INC.

Kingstone Cos., Inc. operates as a holding company, which engages in the provision of property and casualty insurance policies to individuals and small businesses through its subsidiary. The company is headquartered in Kingston, New York and currently employs 84 full-time employees. KICO is a carrier writing business through retail and wholesale agents and brokers. KICO is engaged in writing personal lines and commercial auto insurance in New York. KICO is also licensed in New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine. In addition, through its subsidiary, Cosi Agency, Inc. (Cosi), a multi-state licensed general agency, it accesses alternative distribution channels. Its product lines include personal lines, livery physical damage, and other. Personal lines consist of homeowners, dwelling fire, cooperative/condominium, renters, and personal umbrella policies. The firm writes for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs. The firm also writes canine legal liability policies.

Industry: Fire, Marine & Casualty Insurance Peers: Fundamental Global Inc. Conifer Holdings, Inc. AMERICAN COASTAL INSURANCE Corp HALLMARK FINANCIAL SERVICES INC Heritage Insurance Holdings, Inc. ICC Holdings, Inc. PROGRESSIVE CORP/OH/