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KINSKingstone Companies, Inc.
$16.25$235M
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KINS logoKingstone Companies, Inc.(KINS)Earnings, Financials & Key Ratios

KINS•NASDAQ•Insurance & Managed Care
5.6× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutKingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company offers personal line of insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also 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. 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.Show more
  • Revenue$199M+28.4%
  • Combined Ratio74.37%-12.5%
  • Net Income$41M+122.1%
  • Return on Equity43.04%+18.6%
  • Medical Cost Ratio42.3%-32.0%
  • Operating Margin25.63%+70.7%
  • Net Margin20.47%+73.0%
  • ROA9.84%+85.7%
  • Equity / Assets27.07%+52.1%

KINS Key Insights

Kingstone Companies, Inc. (KINS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Profitable underwriting: 74.4% combined ratio
  • ✓Excellent 3Y average ROE of 20.6%
  • ✓Strong 5Y profit CAGR of 111.1%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Low loss ratio of 42.3%

✗Weaknesses

  • ✗Shares diluted 13.8% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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KINS Price & Volume

Kingstone Companies, Inc. (KINS) stock price & volume — 10-year historical chart

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KINS Growth Metrics

Kingstone Companies, Inc. (KINS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.99%
5 Years8.68%
3 Years15.24%
TTM22.72%

Profit CAGR

10 Years19.34%
5 Years111.1%
3 Years-
TTM49.3%

EPS CAGR

10 Years11.85%
5 Years99.73%
3 Years-
TTM35.22%

Return on Capital

10 Years2.99%
5 Years3.06%
3 Years9.07%
Last Year20.3%

KINS Recent Earnings

Kingstone Companies, Inc. (KINS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$0.35-34.6%
$0.26
Rev
$70M+4.0%
$67M
Q2 2026
Mar 5, 2026
Metric
Actual
Est
EPS
$1.08+2.9%
$1.05
Rev
$83M-0.3%
$83M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$0.73+2.8%
$0.71
Rev
$56M-26.1%
$75M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.75+36.4%
$0.55
Rev
$52M-1.7%
$53M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$0.35vs $0.26-34.6%
$70Mvs $67M+4.0%
Q2 2026Mar 5, 2026
$1.08vs $1.05+2.9%
$83Mvs $83M-0.3%
Q4 2025Nov 6, 2025
$0.73vs $0.71+2.8%
$56Mvs $75M-26.1%
Q3 2025Aug 7, 2025
$0.75vs $0.55+36.4%
$52Mvs $53M-1.7%
Based on last 12 quarters of dataView full earnings history →

KINS Peer Comparison

Kingstone Companies, Inc. (KINS) competitors in Personal auto and homeowners insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HRTG logoHRTGHeritage Insurance Holdings, Inc.Direct Competitor706.24M23.273.683.71%25.99%43.68%0.20
HIHO logoHIHOHighway Holdings LimitedDirect Competitor3.47M0.7932.7217.26%-8.71%-8.95%0.13
ACIC logoACICAmerican Coastal Insurance CorporationDirect Competitor507.6M10.504.8813.07%31.88%35.67%0.48
HCI logoHCIHCI Group, Inc.Product Competitor2.13B163.636.5820.21%32.64%30.81%0.06
PLMR logoPLMRPalomar Holdings, Inc.Product Competitor2.96B111.7015.5858.16%20.15%21.74%0.01
NODK logoNODKNI Holdings, Inc.Product Competitor325.86M15.91-31.82-12.35%-1.6%-1.79%
KPTI logoKPTIKaryopharm Therapeutics Inc.Product Competitor77.01M9.02-0.500.57%-129.02%
SIGI logoSIGISelective Insurance Group, Inc.Product Competitor5.55B92.3112.349.78%8.39%12.93%0.25

Compare KINS vs Peers

Kingstone Companies, Inc. (KINS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HRTG

Most directly comparable listed peer for KINS.

Scale Benchmark

vs PGR

Larger-name benchmark to compare KINS against a more recognizable public peer.

Peer Set

Compare Top 5

vs HRTG, HIHO, ACIC, HCI

KINS Income Statement

Kingstone Companies, Inc. (KINS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
92.77M113.77M145.12M131.37M161.23M130.16M144.19M155.14M199.19M208.47M
Revenue Growth %
19.8%22.64%27.55%-9.48%22.73%-19.27%10.78%7.6%28.39%22.72%
Medical Costs & Claims
55.37M83.64M120.28M98.26M135.09M122.97M116.21M96.56M84.27M93.37M
Medical Cost Ratio %
59.68%73.51%82.88%74.8%83.78%94.48%80.6%62.24%42.3%44.79%
Gross Profit
37.4M▲ 0%
30.13M▼ 19.4%
24.84M▼ 17.6%
33.11M▲ 33.3%
26.14M▼ 21.0%
7.19M▼ 72.5%
27.98M▲ 289.2%
58.58M▲ 109.4%
114.93M▲ 96.2%
115.1M▲ 0%
Gross Margin %
40.32%26.49%17.12%25.2%16.22%5.52%19.4%37.76%57.7%55.21%
Gross Profit Growth %
19.42%-19.43%-17.55%33.27%-21.04%-72.51%289.24%109.38%96.19%-
Operating Expenses
23.03M27.13M32.63M34.4M35.55M35.13M35.34M35.29M63.88M76.18M
OpEx / Revenue %
24.83%23.84%22.48%26.18%22.05%26.99%24.51%22.75%32.07%36.54%
Depreciation & Amortization
1.4M1.79M2.55M2.86M3.29M3.3M2.97M2.45M2.56M2.65M
Combined Ratio %
84.51%97.36%105.36%100.98%105.84%121.47%105.11%84.99%74.37%81.33%
Operating Income
14.37M▲ 0%
3.01M▼ 79.1%
-7.78M▼ 358.8%
-1.29M▲ 83.5%
-9.41M▼ 630.7%
-27.94M▼ 197.0%
-7.37M▲ 73.6%
23.29M▲ 416.2%
51.05M▲ 119.2%
38.93M▲ 0%
Operating Margin %
15.49%2.64%-5.36%-0.98%-5.84%-21.47%-5.11%15.01%25.63%18.67%
Operating Income Growth %
7.09%-79.07%-358.81%83.45%-630.65%-196.96%73.64%416.18%119.19%-
EBITDA
15.77M4.79M-5.24M1.58M-6.12M-24.64M-4.39M25.74M53.61M41.58M
EBITDA Margin %
17%4.21%-3.61%1.2%-3.8%-18.93%-3.05%16.59%26.91%19.94%
Interest Expense
60.34K1.82M1.83M1.83M1.83M2.02M4M3.51M445.21K287.76K
Non-Operating Income
0-1.82M-1.83M-1.83M-1.83M-2.02M-4M-3.51M-445.21K-217.76K
Pretax Income
14.31M▲ 0%
3.01M▼ 79.0%
-7.78M▼ 358.8%
-1.29M▲ 83.5%
-9.41M▼ 630.7%
-27.94M▼ 197.0%
-7.37M▲ 73.6%
23.29M▲ 416.2%
51.05M▲ 119.2%
38.93M▲ 0%
Pretax Margin %
15.43%2.64%-5.36%-0.98%-5.84%-21.47%-5.11%15.01%25.63%18.67%
Income Tax
4.32M-86.18K-1.82M-2.26M-2.03M-5.42M-1.2M4.93M10.28M7.85M
Effective Tax Rate %
30.21%-2.87%23.34%175.51%21.59%19.39%16.25%21.17%20.14%20.17%
Net Income
9.99M▲ 0%
3.09M▼ 69.0%
-5.97M▼ 292.9%
972.39K▲ 116.3%
-7.38M▼ 858.8%
-22.52M▼ 205.3%
-6.17M▲ 72.6%
18.36M▲ 397.6%
40.77M▲ 122.1%
31.08M▲ 0%
Net Margin %
10.76%2.72%-4.11%0.74%-4.58%-17.31%-4.28%11.83%20.47%14.91%
Net Income Growth %
12.21%-69.03%-292.88%116.3%-858.78%-205.28%72.62%397.62%122.06%49.3%
EPS (Diluted)
0.94▲ 0%
0.29▼ 69.1%
-0.55▼ 289.7%
0.09▲ 116.5%
-0.70▼ 872.6%
-2.12▼ 202.9%
-0.57▲ 73.1%
1.48▲ 359.6%
2.88▲ 94.6%
2.15▲ 0%
EPS Growth %
-17.54%-69.15%-289.66%116.47%-872.63%-202.86%73.11%359.65%94.59%35.22%
EPS (Basic)
0.960.29-0.550.09-0.70-2.12-0.571.602.93-
Diluted Shares Outstanding
10.58M10.72M10.77M10.73M10.59M10.65M10.76M12.42M14.14M14.45M

KINS Balance Sheet

Kingstone Companies, Inc. (KINS) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
254.55M266.75M321.2M317.58M331.31M320.33M317.63M374.92M453.43M465.34B
Asset Growth %
50.22%4.79%20.41%-1.13%4.32%-3.31%-0.84%18.03%20.94%120697.03%
Total Investment Assets
139.14M174.43M199.31M202.85M213.59M179.09M174.63M21.73M309.69M4M
Long-Term Investments
4.87M6.08M31.07M45.3M55.51M24.37M25.71M21.73M20.65M626.24M
Short-Term Investments
134.27M168.35M168.24M157.55M158.08M154.72M148.92M0289.04M293.8B
Total Current Assets
226.39M229.82M254.08M234.29M234.98M247.02M247.1M28.67M383.37M30.38B
Cash & Equivalents
48.38M21.14M32.39M19.46M24.29M11.96M8.98M28.67M12.18M12.18M
Receivables
43.74M40.33M53.46M57.28M52.61M80.35M89.2M91.09M80.01M19.26B
Other Current Assets
0000000-91.09M0-293.8B
Goodwill & Intangibles
15.86M18.58M21.13M20.64M22.74M24.32M500K500K28.37M578.59M
Goodwill
0000000000
Intangible Assets
15.86M18.58M21.13M20.64M22.74M24.32M500K500K28.37M500M
PP&E (Net)
4.77M6.06M7.62M8.08M9.29M10.54M9.4M9.28M7.9M8.02B
Other Assets
2.66M6.22M7.29M9.26M8.79M14.08M34.93M314.74M8.96M-313.44M
Total Liabilities
159.97M178.09M232.98M224.78M255.64M284.16M283.13M308.21M330.69M350.83B
Total Debt
29.13M29.3M29.47M29.65M29.82M25.16M25.24M11.17M4.44M4.44M
Net Debt
-19.25M8.16M-2.92M10.18M5.53M13.2M16.27M-17.5M-7.74M-7.74M
Long-Term Debt
29.13M29.3M29.47M29.65M29.82M25.16M25.24M11.17M4.44M4.12M
Short-Term Debt
0000000004.12B
Total Current Liabilities
20.1M17.54M21.7M6.98M12.96M13.06M253.53M10.51M315M5.66B
Accounts Payable
2.56M1.93M11.71M6.98M12.96M13.06M12.84M10.51M5.23M0
Deferred Revenue
000000109.42M11.54B158.03M2.82B
Other Current Liabilities
-98.39M15.59M9.39M000131.28M-11.54B148.9M-1.28B
Deferred Taxes
600.34K15.04K01000K001000K000
Other Liabilities
105.87M128.57M174.07M183.9M203.11M235.32M172.78M274.99M2.89M345.17B
Total Equity
94.58M▲ 0%
88.67M▼ 6.3%
88.22M▼ 0.5%
92.8M▲ 5.2%
75.67M▼ 18.5%
36.17M▼ 52.2%
34.5M▼ 4.6%
66.71M▲ 93.3%
122.73M▲ 84.0%
114.5B▲ 0%
Equity Growth %
66.86%-6.25%-0.5%5.19%-18.46%-52.2%-4.6%93.33%83.98%139479.93%
Shareholders Equity
94.58M88.67M88.22M92.8M75.67M36.17M34.5M66.71M122.73M114.5B
Minority Interest
0000000000
Retained Earnings
27.15M26.38M16.91M15.93M6.86M-16.95M-23.11M-4.76M34.6M28.07B
Common Stock
116.19K117.75K118.25K118.71K119.56K121.72K122.48K144.48K159.22K160.07M
Accumulated OCI
1.1M-2.88M4.77M9.88M1.8M-15.96M-12.27M-12.18M-6.08M-8.14B
Return on Equity (ROE)
13.2%3.38%-6.75%1.07%-8.76%-40.28%-17.46%36.28%43.04%0.11%
Return on Assets (ROA)
4.71%1.19%-2.03%0.3%-2.27%-6.91%-1.93%5.3%9.84%0.03%
Equity / Assets
37.16%33.24%27.47%29.22%22.84%11.29%10.86%17.79%27.07%24.61%
Debt / Equity
0.31x0.33x0.33x0.32x0.39x0.70x0.73x0.17x0.04x0.00x
Book Value per Share
8.948.278.198.657.153.403.215.378.687922.13
Tangible BV per Share
7.446.546.236.725.001.113.165.336.677887.54

KINS Cash Flow Statement

Kingstone Companies, Inc. (KINS) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
28.05M22.3M29.86M-10.23M24.35M-915.52K-11.33M57.95M75.86M8.77B
Operating CF Growth %
84.5%-20.5%33.92%-134.28%337.88%-103.76%-1137.2%611.6%30.91%48749.41%
Operating CF / Revenue %
30.23%19.6%20.58%-7.79%15.1%-0.7%-7.86%37.35%38.08%4208.04%
Net Income
9.99M3.09M-5.97M972.39K-7.38M-22.52M-6.17M18.36M40.77M31.08M
Depreciation & Amortization
1.4M1.79M2.55M2.86M3.29M3.3M2.97M2.45M2.56M717.44M
Stock-Based Compensation
270.23K702.65K1.5M1.77M1.9M1.39M832.6K1.38M1.48M655.13M
Deferred Taxes
-1.81K-5.4K-1.99M3.11M-2.2M-5.42M-1.2M4.93M-201.55K-1.59B
Other Non-Cash Items
469.87K3.04M-3.88M-671.54K-9.19M13.75M-908.37K465.67K-834.17K8.93B
Working Capital Changes
15.92M13.68M37.65M-18.28M37.92M8.58M-6.86M30.36M32.09M31.1M
Cash from Investing
-47.63M-43.4M-14.97M581.29K-15.95M-5.91M9.46M-35.26M-92.86M-8.28B
Capital Expenditures
-2.82M-2.73M-3.94M-3.33M-4.5M-4.55M-1.83M-2.34M-2.81M-1.94M
Acquisitions
0000233.8K00000
Purchase of Investments
-58.04M-71.92M-33.46M-43.53M-115.58M-49.92M-51.5M-165M-154.4M-13.61B
Sale/Maturity of Investments
15.24M31.25M22.43M47.44M103.9M48.56M62.79M132.08M60.75M6.16B
Other Investing
-2M-40.67M0000003.6M-835.81M
Cash from Financing
55.92M-6.14M-3.63M-3.27M-3.57M-5.51M-1.12M-2.99M506.07K-1.34B
Dividends Paid
-3.21M-4.28M-3.5M-1.96M-1.69M-1.28M00-1.41M-1.43M
Share Repurchases
-176.84K-540.25K0-1.18M-1.67M0-13.41K000
Stock Issued
30.14M000060.46K013.61M9.67M101.25K
Debt Issuance (Net)
1000K0000-1000K-1000K-1000K-1000K-1.24M
Other Financing
50.28K-1.32M-130.9K-133.94K-205.77K-2.15M-14.3K-1.45M-576.52K-1.33B
Net Change in Cash
36.34M▲ 0%
-27.24M▼ 175.0%
11.25M▲ 141.3%
-12.93M▼ 214.9%
4.83M▲ 137.3%
-12.33M▼ 355.5%
-2.98M▲ 75.8%
19.69M▲ 760.5%
-16.49M▼ 183.7%
-848.65M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
12.04M48.38M21.14M32.39M19.46M24.29M11.96M8.98M28.67M12.18B
Cash at End
48.38M21.14M32.39M19.46M24.29M11.96M8.98M28.67M12.18M11.36B
Free Cash Flow
25.22M▲ 0%
19.56M▼ 22.4%
25.92M▲ 32.5%
-13.56M▼ 152.3%
19.85M▲ 246.3%
-5.47M▼ 127.5%
-13.15M▼ 140.6%
55.61M▲ 522.8%
73.05M▲ 31.4%
8.77B▲ 0%
FCF Growth %
72.46%-22.43%32.49%-152.32%246.35%-127.54%-140.64%522.76%31.36%12981.16%
FCF Margin %
27.19%17.2%17.86%-10.32%12.31%-4.2%-9.12%35.84%36.67%4207.1%
FCF per Share
2.381.832.41-1.261.87-0.51-1.224.485.17606.8

KINS Key Ratios

Kingstone Companies, Inc. (KINS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
84.51%97.36%105.36%100.98%105.84%121.47%105.11%84.99%74.37%81.33%
Medical Cost Ratio
59.68%73.51%82.88%74.8%83.78%94.48%80.6%62.24%42.3%44.79%
Return on Equity (ROE)
13.2%3.38%-6.75%1.07%-8.76%-40.28%-17.46%36.28%43.04%0.11%
Return on Assets (ROA)
4.71%1.19%-2.03%0.3%-2.27%-6.91%-1.93%5.3%9.84%0.03%
Equity / Assets
37.16%33.24%27.47%29.22%22.84%11.29%10.86%17.79%27.07%24.61%
Book Value / Share
8.948.278.198.657.153.43.215.378.687.92K
Debt / Equity
0.31x0.33x0.33x0.32x0.39x0.70x0.73x0.17x0.04x0.00x
Revenue Growth
19.8%22.64%27.55%-9.48%22.73%-19.27%10.78%7.6%28.39%22.72%
Related:KINS Dividend History·KINS Revenue History·KINS Price History·KINS P/E History·KINS Financial Ratios·KINS Institutional Holders

KINS SEC Filings & Documents

Kingstone Companies, Inc. (KINS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Apr 20, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 18, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 12, 2025·SEC

FY 2025

Aug 14, 2025·SEC

KINS Frequently Asked Questions

Kingstone Companies, Inc. (KINS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Kingstone Companies, Inc. (KINS) grew revenue by 28.4% over the past year. This is strong growth.

Yes, Kingstone Companies, Inc. (KINS) is profitable, generating $31.1M in net income for fiscal year 2025 (20.5% net margin).

Dividend & Returns

Yes, Kingstone Companies, Inc. (KINS) pays a dividend with a yield of 0.62%. This makes it attractive for income-focused investors.

Kingstone Companies, Inc. (KINS) has a return on equity (ROE) of 43.0%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Kingstone Companies, Inc. (KINS) has a combined ratio of 74.4%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in KINS back in 1996?

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How much would $100/month in KINS be worth today?

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