Kingstone Companies Inc (KINS)vsThe Travelers Companies Inc (TRV)
KINS
Kingstone Companies Inc
$15.43
+1.98%
FINANCIAL SERVICES · Cap: $223.50M
TRV
The Travelers Companies Inc
$303.25
+3.35%
FINANCIAL SERVICES · Cap: $62.06B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 21735% more annual revenue ($48.94B vs $224.14M). TRV leads profitability with a 15.5% profit margin vs 13.9%. TRV appears more attractively valued with a PEG of 2.36. TRV earns a higher WallStSmart Score of 74/100 (B).
KINS
Strong Buy67
out of 100
Grade: B-
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 149.6% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 27 in profit
Reasonable price relative to book value
Revenue surging 23.2% year-over-year
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Operating margin of -12.3%
Expensive relative to growth rate
1.0% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KINS
The strongest argument for KINS centers on P/E Ratio, EPS Growth, Debt/Equity. Revenue growth of 23.2% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
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 value play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.51 — expect wider price swings.
KINS is growing revenue faster at 23.2% — sustainability is the question.
TRV generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (74/100 vs 67/100), backed by strong 15.5% margins. 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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