Kingstone Companies (NASDAQ:KINS) and Protective Insurance (NASDAQ:PTVCA) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, dividends, institutional ownership, profitability, analyst recommendations, earnings and risk.
Kingstone Companies pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Protective Insurance pays an annual dividend of $1.12 per share and has a dividend yield of 5.0%. Kingstone Companies pays out 42.6% of its earnings in the form of a dividend. Kingstone Companies has raised its dividend for 6 consecutive years.
This table compares Kingstone Companies and Protective Insurance’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Kingstone Companies||$92.77 million||1.97||$9.98 million||$0.94||18.10|
|Protective Insurance||$371.23 million||0.89||$18.32 million||N/A||N/A|
Protective Insurance has higher revenue and earnings than Kingstone Companies.
This is a summary of current recommendations and price targets for Kingstone Companies and Protective Insurance, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Kingstone Companies currently has a consensus price target of $20.00, indicating a potential upside of 17.58%. Given Kingstone Companies’ higher probable upside, analysts plainly believe Kingstone Companies is more favorable than Protective Insurance.
Institutional & Insider Ownership
50.4% of Kingstone Companies shares are owned by institutional investors. Comparatively, 1.4% of Protective Insurance shares are owned by institutional investors. 10.3% of Kingstone Companies shares are owned by company insiders. Comparatively, 28.2% of Protective Insurance shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
This table compares Kingstone Companies and Protective Insurance’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Risk and Volatility
Kingstone Companies has a beta of 0.58, meaning that its share price is 42% less volatile than the S&P 500. Comparatively, Protective Insurance has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500.
Kingstone Companies beats Protective Insurance on 8 of the 14 factors compared between the two stocks.
About Kingstone Companies
Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to small businesses and individuals in New York. The company provides personal lines insurance products, such as homeowners and dwelling fire multi-peril, cooperative/condominium, renter, and personal umbrella policies. It also offers commercial liability policies comprising business owners policies, such as small business retail, service, and office risks without residential exposure to business owners; artisan's liability policies for small independent contractors; special multi-peril policies for business owners risks; and commercial umbrella policies. In addition, the company provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies, as well as reinsurance products. Kingstone Companies, Inc. sells its products through independent retail, and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is based in Kingston, New York.
About Protective Insurance
Protective Insurance Corporation, through its subsidiaries, engages in marketing and underwriting property and casualty insurance products. The company offers a range of fleet transportation insurance products, including commercial motor vehicle liability, physical damage, and general liability insurance; workers compensation insurance; medical and indemnity insurance products; non-trucking motor vehicle liability insurance; fidelity and surety bonds; and inland marine products consisting of cargo insurance. It also provides various additional services, such as risk surveys and analyses, safety program design and monitoring, government compliance assistance, loss control, and cost studies; research, development, and consultation in connection with new insurance programs that comprise development of systems to assist customers in monitoring their accident data; and claims handling services to clients with self-insurance programs. It serves trucking and public transportation fleets, as well as independent contractors in the trucking industry. The company primarily operates in the United States, Canada, Bermuda, and Puerto Rico. Protective Insurance Corporation was founded in 1930 and is headquartered in Carmel, Indiana.
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