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KINS vs MA

KINS
Kingstone Companies, Inc.
BULLISH
Price
$15.08
Market Cap
$218.3M
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
KINS
5.24
MA
30.28
Forward P/E
KINS
5.2
MA
22.05
P/B Ratio
KINS
1.77
MA
57.74
P/S Ratio
KINS
1.03
MA
13.6
EV/EBITDA
KINS
4.03
MA
22.13

Profitability

Gross Margin
KINS
26.41%
MA
100.0%
Operating Margin
KINS
32.83%
MA
57.73%
Profit Margin
KINS
19.15%
MA
45.65%
ROE
KINS
43.04%
MA
209.91%
ROA
KINS
7.5%
MA
23.72%

Growth

Revenue Growth
KINS
34.0%
MA
17.6%
Earnings Growth
KINS
149.6%
MA
24.2%

Financial Health

Debt/Equity
KINS
0.04
MA
2.56
Current Ratio
KINS
0.52
MA
1.03
Quick Ratio
KINS
0.18
MA
0.68

Dividends

Dividend Yield
KINS
0.99%
MA
0.7%
Payout Ratio
KINS
3.47%
MA
18.4%

AI Verdict

KINS BULLISH

KINS presents a compelling value-growth opportunity, anchored by a stable Piotroski F-Score of 4/9 and a significant discount to its Graham Number ($23.5) and Intrinsic Value ($84.96). The company has undergone a massive earnings turnaround, evidenced by 149.6% YoY earnings growth and an exceptional ROE of 43.04%. While the current price of $15.08 is deeply undervalued relative to fundamentals, the bearish technical trend and poor liquidity ratios (Quick Ratio 0.18) suggest short-term volatility. Overall, the combination of a low P/E (5.24) and explosive growth outweighs the liquidity concerns.

Strengths
Deeply undervalued relative to Graham Number ($23.5) and Intrinsic Value ($84.96)
Exceptional profitability with ROE at 43.04% and Operating Margin at 32.83%
Explosive growth profile with 149.6% YoY earnings growth
Risks
Severe liquidity risk indicated by a Quick Ratio of 0.18 and Current Ratio of 0.52
Bearish technical trend (0/100) suggesting lack of market momentum
Historical volatility in earnings with a long track record of misses prior to 2024
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

KINS vs MA: Head-to-Head Comparison

This page compares Kingstone Companies, Inc. (KINS) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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