Contrasting Tokio Marine (OTCMKTS:TKOMY) and Kingstone Companies (OTCMKTS:KINS)

Tokio Marine (OTCMKTS:TKOMY) and Kingstone Companies (NASDAQ:KINS) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability.

Institutional & Insider Ownership

0.1% of Tokio Marine shares are held by institutional investors. Comparatively, 47.9% of Kingstone Companies shares are held by institutional investors. 10.3% of Kingstone Companies shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Dividends

Tokio Marine pays an annual dividend of $1.34 per share and has a dividend yield of 2.7%. Kingstone Companies pays an annual dividend of $0.40 per share and has a dividend yield of 4.6%. Tokio Marine pays out 34.6% of its earnings in the form of a dividend. Kingstone Companies pays out 85.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Kingstone Companies has raised its dividend for 6 consecutive years. Kingstone Companies is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Tokio Marine and Kingstone Companies’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Tokio Marine 5.00% 8.11% 1.32%
Kingstone Companies -1.24% -1.78% -0.59%

Valuation & Earnings

This table compares Tokio Marine and Kingstone Companies’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Tokio Marine $49.73 billion 0.75 $2.49 billion $3.87 12.95
Kingstone Companies $113.77 million 0.82 $3.09 million $0.47 18.43

Tokio Marine has higher revenue and earnings than Kingstone Companies. Tokio Marine is trading at a lower price-to-earnings ratio than Kingstone Companies, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Tokio Marine has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Kingstone Companies has a beta of 0.7, meaning that its share price is 30% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and price targets for Tokio Marine and Kingstone Companies, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Tokio Marine 0 0 0 0 N/A
Kingstone Companies 0 0 1 0 3.00

Kingstone Companies has a consensus target price of $13.00, indicating a potential upside of 50.12%. Given Kingstone Companies’ higher probable upside, analysts clearly believe Kingstone Companies is more favorable than Tokio Marine.

Summary

Kingstone Companies beats Tokio Marine on 9 of the 16 factors compared between the two stocks.

Tokio Marine Company Profile

Tokio Marine Holdings, Inc., together with its subsidiaries, engages in non-life and life insurance, international insurance, and financial and general businesses worldwide. The company provides business, fire, Internet and mobile, rental housing, and natural catastrophe risk insurance services, as well as insurance for retail and corporate fields. It also provides property investment, insurance agency and risk consulting, human resource, in-home care and nursing care information, healthcare/medical, call center, and real estate-related services. Tokio Marine Holdings, Inc. serves individuals, small to medium sized non-profit organizations, schools, or churches. The company was formerly known as Millea Holdings, Inc. and changed its name to Tokio Marine Holdings, Inc. in 2008. Tokio Marine Holdings, Inc. was founded in 2002 and is headquartered in Tokyo, Japan.

Kingstone Companies Company Profile

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 offers personal lines insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also provides commercial liability policies, such as business owner's policies comprising primarily of small business retail, service, and office risks; artisan's liability policies for small independent contractors; multi-peril policies for larger and specialized risks, and business owner's risks; and commercial umbrella policies. In addition, the company offers 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. It sells its products through 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 headquartered in Kingston, New York.

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