RankAlpha logo
Back to Rankings

KINS

Kingstone CompaniesC
Nasdaq / Insurance
Last Price
Quote time unavailable
View Chart
Current thesis
The constructive read is that Q1 headline loss metrics were distorted by eleven winter catastrophe events, while underlying underwriting still improved and management reaffirmed 2026 growth guidance. That combination supports the idea that the earnings power shown in FY2025 may have been interrupted rather than broken [#8-K-2026-05-07] [#10-K-2026-03-16].
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-11-05 · AMC.
What can break
Coverage is low and post-print analyst revision evidence is limited in the packet, so forward visibility is weaker than the valuation gap alone suggests.
Momentum
61
Value
62
Sentiment
43
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.50 · Bull $21.50 · Bear $10.50Analysis 2026-05-16; returns require an exact persisted reference.
Earnings
2026-11-05 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-11-02 • Vendor: Data Vendor v1
Scores
As of 2026-11-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-16 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-11-02

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-11-02. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $24.00
Why
Momentum61 · Δ7d +9.8
Value62 · Δ7d +0.1
Sentiment43 · Δ7d +1.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-11-05 · AMC.
  • • Value remains the lead driver in the composite, 7D delta +0.1.

Contradictions & invalidation

  • • Coverage is low and post-print analyst revision evidence is limited in the packet, so forward visibility is weaker than the valuation gap alone suggests.
  • • Q1 2026 GAAP net combined ratio rose to 112.0% because of eleven winter catastrophe events in the Northeast, underscoring that reported earnings can swing sharply even when underlying trends are improving [#8-K-2026-05-07].
  • • The cautious read is that a 112.0% Q1 GAAP net combined ratio shows how exposed the story remains to catastrophe volatility and execution risk as the company expands into new states.

Catalyst clock

2026-11-05 · AMC

California market entry is the next dated execution checkpoint

Lead driver: Value · See fundamentals
Momentum
61
18% active weight
Current posture
7d trendImproving
Δ7d
+9.8
Δ21d
+0.8
Value
62
43% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-0.7
Sentiment
43
39% active weight
Current posture
7d trendImproving
Δ7d
+1.1
Δ21d
-10.8
Why this grade

Composite grade C. Momentum 61.5 / Value 61.8 / Sentiment 43.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-16. Scenario method

B+
Bull case
30%
Probability
Target price
$21.50
Analysis reference price unavailable
Analysis 2026-05-16 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$16.50
Analysis reference price unavailable
Analysis 2026-05-16 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$10.50
Analysis reference price unavailable
Analysis 2026-05-16 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-11-02
Market Cap
$295.46M
Beta
0.44
Shares Out
14.48M
P/E (TTM)
7.5
P/S (TTM)
1.17
P/FCF (TTM)
3.21
Rev YoY
+30.7%
EPS YoY
+34.8%
Gross Margin
-
Op Margin
+19.8%
Net Debt
-$7.6M
Current Ratio
0.41
As of 2026-11-02 • Updated nightlySource: Internal modelMethods & Data