Kingstone Companies Inc (KINS)vsThe Travelers Companies Inc (TRV)
KINS
Kingstone Companies Inc
$14.84
+0.68%
FINANCIAL SERVICES · Cap: $213.39M
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 22835% more annual revenue ($48.83B vs $212.90M). KINS leads profitability with a 19.2% profit margin vs 12.9%. TRV appears more attractively valued with a PEG of 2.36. KINS earns a higher WallStSmart Score of 78/100 (B+).
KINS
Strong Buy78
out of 100
Grade: B+
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.1%
Fair Value
$134.78
Current Price
$14.84
$119.94 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 43 in profit
Strong operational efficiency at 32.8%
Revenue surging 34.0% year-over-year
Earnings expanding 149.6% YoY
Reasonable price relative to book value
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KINS
The strongest argument for KINS centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.2% and operating margin at 32.8%. Revenue growth of 34.0% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
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 0.50 — expect wider price swings.
KINS is growing revenue faster at 34.0% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
KINS scores higher overall (78/100 vs 71/100), backed by strong 19.2% margins and 34.0% revenue growth. TRV offers better value entry with a 75.4% margin of safety. 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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