Kingstone Companies, Inc. (KINS) Fair Value 2026

KINS · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.5 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Kingstone Companies, Inc. (KINS) trades at $20.09, versus a $24.38 median fair value across its 6 active models — 21.3% above the current price. QOC: 9.5/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
KINS
Price
$20.09
Quality Score
9.5/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: CUCE Ensemble suggests +2.4% upside with 4% confidence
Risk: Majority of models suggest overvaluation

Is Kingstone Companies, Inc. (KINS) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Kingstone Companies, Inc. (KINS) appears undervalued as of : the median of 6 independent fair value estimates is $24.38, 21.3% above the current price of $20.09. Estimates range from $1.45 to $47.75. KINS scores 9.5/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. KINS’s +21.3% gap is narrower than that market norm, and the Insurance - Property & Casualty sector median is -14.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Kingstone Companies, Inc. Stock in 2026? →

What Fair Value Does Each Model Give KINS?

6 Intrinsic Value Models vs. Current Price ($20.09)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $3.04 -84.9%
Ensemble · Low Conviction
 $20.57 +2.4%
Intrinsic · High Conviction
 $1.45 -92.8%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 6 Models →

Cancel anytime · No contracts · Instant access

What Is KINS's Fair Value Range?

Spread across 6 independent models · $1.45 to $47.75

CirclFi's 6 active models place Kingstone Companies, Inc. (KINS) between $1.45 and $47.75 per share, a spread of 190% of the median. The median of that range — $24.38 — is the fair value CirclFi publishes for KINS, against a current price of $20.09.

Low · Markov DDMHigh · ML-RIV
$1.45median $24.38$47.75
Where the range comes from
Most bearish modelMarkov DDM$1.45
Most bullish modelML Residual Income$47.75
Model agreement3 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for KINS. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on KINS, not a CirclFi price target. How each model works →

What Is Kingstone Companies, Inc. (KINS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Kingstone Companies, Inc.'s intrinsic value is estimated at a median $24.38, showing conflicting signals at the current price of $20.09. While the median implied return is +21.3%, model disagreement is elevated with a gap of +230.5% between the most bullish and bearish estimates. The most optimistic model, ML-RIV, places fair value at $47.75 (+137.7%), while Markov DDM — the most conservative — estimates $1.45 (-92.8%). This +230.5% gap reflects genuine analytical uncertainty about Kingstone Companies, Inc.'s intrinsic worth.

What Do the Models Say About KINS?

6 of 13 models are currently active for KINS. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for KINS is $24.38 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does KINS Rank in Insurance - Property & Casualty?

Among 41 Insurance - Property & Casualty stocks, KINS ranks #4 by Quality of Company score. CirclFi's QOC score of 9.5/10 evaluates 32 fundamental signals. A score of 9.5 places KINS in the top tier.

As a insurance industry, Kingstone Companies, Inc. operates in a sector where loss ratio is a critical driver of valuation. Investors evaluating KINS should weigh these sector-specific dynamics alongside our model-derived fair values.

Is KINS a Value Trap?

CirclFi's Value Trap algorithm assigns KINS a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Kingstone Companies, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Kingstone Companies, Inc.'s fundamental quality profile registers 9.5/10. This exceptional score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +230.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every KINS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across KINS's 6 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Kingstone Companies, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

9 related Insurance - Property & Casualty stocks with 13-model coverage

KNSLKinsale Capital Group, Inc.QOC 9.5PLMRPalomar Holdings, Inc.QOC 9.5HRTGHeritage Insurance Holdings, Inc.QOC 9.7UVEUniversal Insurance Holdings, Inc.QOC 9.5HCIHCI Group, Inc.QOC 9.9ALLThe Allstate CorporationQOC 9.2PGRThe Progressive CorporationQOC 8.8ASICAtegrity Specialty Insurance CoQOC 8.3HMNHorace Mann Educators CorporationQOC 7.7

Read investment analysis: KNSL · PLMR · HRTG · UVE · HCI · ALL · PGR · ASIC · HMN

Which Other Stocks Have a Similar Quality Score to KINS?

6 companies across all industries closest to KINS’s Quality of Company score of 9.5/10.

CRUSCirrus Logic, Inc.QOC 9.5CARGCarGurus, Inc.QOC 9.5AAPLApple Inc.QOC 9.5ALNYAlnylam Pharmaceuticals, Inc.QOC 9.5LRNStride, Inc.QOC 9.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CRUS · CARG · AAPL · ALNY · LRN · NVDA

What Else Do Investors Ask About Kingstone Companies, Inc.’s Valuation?

What is Kingstone Companies, Inc.'s intrinsic value in 2026?

CirclFi puts Kingstone Companies, Inc. (KINS)'s intrinsic value at $24.38 — the median of 6 independent model estimates as of 2026-08-27, ranging from $1.45 to $47.75. The Quality of Company score is 9.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is KINS overvalued or undervalued right now?

At $20.09, 4 of 6 active models suggest KINS may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $24.38, 21.3% above the current price of $20.09 — a consensus view that KINS is undervalued. The assessment depends on which methodology best fits Kingstone Companies, Inc.'s business model in Insurance - Property & Casualty.

What does a Quality of Company score of 9.5 mean for KINS?

Kingstone Companies, Inc.'s QOC of 9.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on KINS?

CirclFi analyzes KINS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on KINS?

Of the 6 models currently active on KINS, ML Residual Income is the most bullish at $47.75 per share, and Markov DDM is the most bearish at $1.45. CirclFi's published fair value for KINS is the median of that range, $24.38, not either extreme. The gap between the two ends equals 190% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is KINS a value trap in 2026?

Kingstone Companies, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Kingstone Companies, Inc. (KINS) has a median fair value of $24.38 — 21.3% above the current price of $20.09 — as of 2026-08-27.” Source: circlfi.com/stock/KINS/ · Methodology
Primary sources for this KINS valuation
  • Financial statements: Kingstone Companies, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000033992) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for KINS as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 6 mathematical frameworks give you clarity on KINS.

Unlock All 6 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for KINS Unlock All 6 — $39/mo