Kingstone Companies Inc (KINS)vsThe Travelers Companies Inc (TRV)
KINS
Kingstone Companies Inc
$19.70
+0.92%
FINANCIAL SERVICES · Cap: $290.10M
TRV
The Travelers Companies Inc
$394.01
-0.76%
FINANCIAL SERVICES · Cap: $81.25B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 20481% more annual revenue ($48.92B vs $237.70M). TRV leads profitability with a 17.0% profit margin vs 14.8%. TRV appears more attractively valued with a PEG of 2.70. KINS earns a higher WallStSmart Score of 70/100 (B-).
KINS
Strong Buy70
out of 100
Grade: B-
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Every $100 of equity generates 27 in profit
Reasonable price relative to book value
Strong operational efficiency at 29.7%
Revenue surging 25.9% year-over-year
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KINS
The strongest argument for KINS centers on P/E Ratio, Debt/Equity, Return on Equity. Revenue growth of 25.9% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio, Altman Z-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
KINS profiles as a growth stock while TRV is a declining play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.44 — expect wider price swings.
KINS is growing revenue faster at 25.9% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
KINS scores higher overall (70/100 vs 66/100) and 25.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Kingstone Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company is headquartered in Kingston, New York.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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