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Kingstone Companies Inc. (KINS) — RQD Stock Rating Cockpit

$20.04 +1.73% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Kingstone Companies Inc. (KINS) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 33% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $290.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KINS)Realized 20D OHLCV Swing Band: ±5.4%

RSI-14 MOMENTUMBULLISH MOMENTUM

62.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE88% OF RANGE

L: $14$20.04H: $21

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A+RQD 19 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on KINS

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (95)

33.2% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

26/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like KINS

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (KINS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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KINS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.22%⚡ TESTING RESISTANCE

2026-10-30O $20.12H $20.39L $20.04C $20.04VOL 72.3K

RES: $20.06SUP: $16.78SMA50: $19.24SMA200: $17.43

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KINS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KINS Butterfly Map → + Track KINS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-7.7%/yr Implied 5Y Growth

vs. +38.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on KINS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KINS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for KINS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KINS)

Financials Rank #81 of 1096 ⚔️ KWY vs KINS Full Matrix →

1. Head-to-Head Financials Peer Comparison (KINS vs. KWY, NODK, GBLI, MBI)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Kingstone Companies Inc. (KINS) ranks #81 by composite RQD confidence (73/100, grade B) and #816 by equity capitalization ($290.1M). Within this direct 5-issuer industry benchmark cohort, KINS leads on earnings valuation at 7.1x trailing P/E, while KINS leads on capital efficiency and profitability with 33.2% ROIC and — gross margin. KINS currently leads its immediate peer cohort in composite quantitative strength at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
KINS ACTIVE Kingstone Companies Inc.	B	73/100	7.1x	—	33.2%	+1.73%	$290.1M	Benchmark Subject
KWY Kingsway Corporation	D-	40/100	—	—	-13.6%	-0.41%	$278.3M	/kwy-vs-kins →
NODK NI Holdings Inc.	D-	35/100	—	—	-4.3%	+1.55%	$308.5M	/nodk-vs-kins →
GBLI Global Indemnity Group LLC (Class A)	D+	55/100	14.2x	—	3.6%	+1.03%	$358.7M	/gbli-vs-kins →
MBI MBIA Inc.	C-	59/100	—	—	—	-0.22%	$227.0M	/mbi-vs-kins →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000033992

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Kingstone Companies Inc. (KINS) reported GAAP revenue of $214.9M (+38.5% vs. FY2024 revenue of $155.1M , and +49.0% cumulative change since FY2023) , GAAP net income of $40.8M, operating cash flow of $75.9M, and free cash flow of $73.1M (+31.4% YoY). On the balance sheet, KINS closed FY2025 with $453.4M in total assets against $3.1M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$214.9M	$40.8M	$75.9M	$73.1M	$453.4M	$3.1M
FY2024 (FY)	2024-12-31	$155.1M	$18.4M	$57.9M	$55.6M	$374.9M	$4.3M
FY2023 (FY)	2023-12-31	$144.2M	$6.2M	-$11.3M	-$11.3M	—	—

3. KINS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KINS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Kingstone Companies Inc. (NASDAQ: KINS) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $20.04 (+1.73% 1D, market cap $290.1M). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, KINS ranks #81 in composite RQD confidence.

How does KINS compare to KWY and NODK in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), KINS carries a Roarable B (73/100 RQD), trailing P/E of 7.1x, gross margin of —, and ROIC of 33.2%. By comparison, KWY (Kingsway Corporation) holds a D- grade (40/100 RQD, P/E N/A, ROIC -13.6%, cap $278.3M) and NODK (NI Holdings Inc.) posts a D- grade (35/100 RQD, P/E N/A, ROIC -4.3%, cap $308.5M). Among the 5-stock peer group, KINS leads on earnings multiple (7.1x) while KINS leads on capital efficiency (33.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KINS?

Per KINS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000033992), Kingstone Companies Inc. generated $214.9M in revenue (+38.5% YoY), $40.8M in net income, and $73.1M in free cash flow against $453.4M in total assets and $3.1M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KINS trading relative to its 50-day, 200-day, and 52-week technical levels?

KINS last traded at $20.04 (+1.73% on volume of 88,796 shares), positioning the stock +4.16% above its 50-day simple moving average ($19.24) and +14.97% above its 200-day simple moving average ($17.43). Across its 52-week range of $13.83 to $20.90, KINS sits at the 87.8% percentile with a 14-day RSI of 62.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.4% ($18.96 to $21.12).

KINS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell KINS stock right now?

Kingstone Companies Inc. (KINS) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 33% return on capital) with steady institutional support.

What is KINS's 12-month price target and RQD AI Jury consensus?

KINS's 12-month base price target is $21.39 (range $16.43 to $25.24), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: KINS RQD Cockpit KINS 12M Forecast KINS Earnings & Move KINS Dividends & DRIP KINS Insiders & 13F KINS Whale Options KINS Profit Sankey KINS News & Why