Kingstone Companies Inc (KINS)vsW. R. Berkley Corp (WRB)
KINS
Kingstone Companies Inc
$14.84
+0.68%
FINANCIAL SERVICES · Cap: $213.39M
WRB
W. R. Berkley Corp
$64.49
-0.83%
FINANCIAL SERVICES · Cap: $24.51B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 6808% more annual revenue ($14.71B vs $212.90M). KINS leads profitability with a 19.2% profit margin vs 12.1%. KINS appears more attractively valued with a PEG of 3.28. KINS earns a higher WallStSmart Score of 78/100 (B+).
KINS
Strong Buy78
out of 100
Grade: B+
WRB
Buy55
out of 100
Grade: C-
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
-136.4%
Fair Value
$30.26
Current Price
$64.49
$34.23 premium
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
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
1.5% revenue growth
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
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 : WRB
The strongest argument for WRB centers on P/E Ratio, Price/Book.
Bear Case : KINS
The primary concerns for KINS are Market Cap, PEG Ratio.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
KINS profiles as a growth stock while WRB is a value play — different risk/reward profiles.
KINS carries more volatility with a beta of 0.38 — expect wider price swings.
KINS is growing revenue faster at 34.0% — sustainability is the question.
WRB generates stronger free cash flow (896M), providing more financial flexibility.
Bottom Line
KINS scores higher overall (78/100 vs 55/100), backed by strong 19.2% margins and 34.0% revenue growth. Both earn "Strong Buy" and "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.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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