8-K Announcements
6May 7, 2026·SEC
Apr 27, 2026·SEC
Apr 20, 2026·SEC
Kingstone Companies, Inc. (KINS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Kingstone Companies, Inc. (KINS) stock price & volume — 10-year historical chart
Kingstone Companies, Inc. (KINS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Kingstone Companies, Inc. (KINS) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.35vs $0.26-34.6% | $70Mvs $67M+4.0% |
| Q2 2026 | Mar 5, 2026 | $1.08vs $1.05+2.9% | $83Mvs $83M-0.3% |
| Q4 2025 | Nov 6, 2025 | $0.73vs $0.71+2.8% | $56Mvs $75M-26.1% |
| Q3 2025 | Aug 7, 2025 | $0.75vs $0.55+36.4% | $52Mvs $53M-1.7% |
Kingstone Companies, Inc. (KINS) competitors in Personal auto and homeowners insurers — business model, growth, and fundamentals comparison
Kingstone Companies, Inc. (KINS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Kingstone Companies, Inc. (KINS) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 92.77M | 113.77M | 145.12M | 131.37M | 161.23M | 130.16M | 144.19M | 155.14M | 199.19M | 208.47M |
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 | 55.37M | 83.64M | 120.28M | 98.26M | 135.09M | 122.97M | 116.21M | 96.56M | 84.27M | 93.37M |
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 | 23.03M | 27.13M | 32.63M | 34.4M | 35.55M | 35.13M | 35.34M | 35.29M | 63.88M | 76.18M |
OpEx / Revenue % | 24.83% | 23.84% | 22.48% | 26.18% | 22.05% | 26.99% | 24.51% | 22.75% | 32.07% | 36.54% |
Depreciation & Amortization | 1.4M | 1.79M | 2.55M | 2.86M | 3.29M | 3.3M | 2.97M | 2.45M | 2.56M | 2.65M |
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 | 15.77M | 4.79M | -5.24M | 1.58M | -6.12M | -24.64M | -4.39M | 25.74M | 53.61M | 41.58M |
EBITDA Margin % | 17% | 4.21% | -3.61% | 1.2% | -3.8% | -18.93% | -3.05% | 16.59% | 26.91% | 19.94% |
Interest Expense | 60.34K | 1.82M | 1.83M | 1.83M | 1.83M | 2.02M | 4M | 3.51M | 445.21K | 287.76K |
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 | -1.2M | 4.93M | 10.28M | 7.85M |
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) | 0.96 | 0.29 | -0.55 | 0.09 | -0.70 | -2.12 | -0.57 | 1.60 | 2.93 | - |
Diluted Shares Outstanding | 10.58M | 10.72M | 10.77M | 10.73M | 10.59M | 10.65M | 10.76M | 12.42M | 14.14M | 14.45M |
Kingstone Companies, Inc. (KINS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Assets | 254.55M | 266.75M | 321.2M | 317.58M | 331.31M | 320.33M | 317.63M | 374.92M | 453.43M | 465.34B |
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 | 139.14M | 174.43M | 199.31M | 202.85M | 213.59M | 179.09M | 174.63M | 21.73M | 309.69M | 4M |
Long-Term Investments | 4.87M | 6.08M | 31.07M | 45.3M | 55.51M | 24.37M | 25.71M | 21.73M | 20.65M | 626.24M |
Short-Term Investments | 134.27M | 168.35M | 168.24M | 157.55M | 158.08M | 154.72M | 148.92M | 0 | 289.04M | 293.8B |
Total Current Assets | 226.39M | 229.82M | 254.08M | 234.29M | 234.98M | 247.02M | 247.1M | 28.67M | 383.37M | 30.38B |
Cash & Equivalents | 48.38M | 21.14M | 32.39M | 19.46M | 24.29M | 11.96M | 8.98M | 28.67M | 12.18M | 12.18M |
Receivables | 43.74M | 40.33M | 53.46M | 57.28M | 52.61M | 80.35M | 89.2M | 91.09M | 80.01M | 19.26B |
Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -91.09M | 0 | -293.8B |
Goodwill & Intangibles | 15.86M | 18.58M | 21.13M | 20.64M | 22.74M | 24.32M | 500K | 500K | 28.37M | 578.59M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 15.86M | 18.58M | 21.13M | 20.64M | 22.74M | 24.32M | 500K | 500K | 28.37M | 500M |
PP&E (Net) | 4.77M | 6.06M | 7.62M | 8.08M | 9.29M | 10.54M | 9.4M | 9.28M | 7.9M | 8.02B |
Other Assets | 2.66M | 6.22M | 7.29M | 9.26M | 8.79M | 14.08M | 34.93M | 314.74M | 8.96M | -313.44M |
Total Liabilities | 159.97M | 178.09M | 232.98M | 224.78M | 255.64M | 284.16M | 283.13M | 308.21M | 330.69M | 350.83B |
Total Debt | 29.13M | 29.3M | 29.47M | 29.65M | 29.82M | 25.16M | 25.24M | 11.17M | 4.44M | 4.44M |
Net Debt | -19.25M | 8.16M | -2.92M | 10.18M | 5.53M | 13.2M | 16.27M | -17.5M | -7.74M | -7.74M |
Long-Term Debt | 29.13M | 29.3M | 29.47M | 29.65M | 29.82M | 25.16M | 25.24M | 11.17M | 4.44M | 4.12M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.12B |
Total Current Liabilities | 20.1M | 17.54M | 21.7M | 6.98M | 12.96M | 13.06M | 253.53M | 10.51M | 315M | 5.66B |
Accounts Payable | 2.56M | 1.93M | 11.71M | 6.98M | 12.96M | 13.06M | 12.84M | 10.51M | 5.23M | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 109.42M | 11.54B | 158.03M | 2.82B |
Other Current Liabilities | -98.39M | 15.59M | 9.39M | 0 | 0 | 0 | 131.28M | -11.54B | 148.9M | -1.28B |
Deferred Taxes | 600.34K | 15.04K | 0 | 1000K | 0 | 0 | 1000K | 0 | 0 | 0 |
Other Liabilities | 105.87M | 128.57M | 174.07M | 183.9M | 203.11M | 235.32M | 172.78M | 274.99M | 2.89M | 345.17B |
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 | 94.58M | 88.67M | 88.22M | 92.8M | 75.67M | 36.17M | 34.5M | 66.71M | 122.73M | 114.5B |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 27.15M | 26.38M | 16.91M | 15.93M | 6.86M | -16.95M | -23.11M | -4.76M | 34.6M | 28.07B |
Common Stock | 116.19K | 117.75K | 118.25K | 118.71K | 119.56K | 121.72K | 122.48K | 144.48K | 159.22K | 160.07M |
Accumulated OCI | 1.1M | -2.88M | 4.77M | 9.88M | 1.8M | -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 | 0.31x | 0.33x | 0.33x | 0.32x | 0.39x | 0.70x | 0.73x | 0.17x | 0.04x | 0.00x |
Book Value per Share | 8.94 | 8.27 | 8.19 | 8.65 | 7.15 | 3.40 | 3.21 | 5.37 | 8.68 | 7922.13 |
Tangible BV per Share | 7.44 | 6.54 | 6.23 | 6.72 | 5.00 | 1.11 | 3.16 | 5.33 | 6.67 | 7887.54 |
Kingstone Companies, Inc. (KINS) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 28.05M | 22.3M | 29.86M | -10.23M | 24.35M | -915.52K | -11.33M | 57.95M | 75.86M | 8.77B |
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 | 9.99M | 3.09M | -5.97M | 972.39K | -7.38M | -22.52M | -6.17M | 18.36M | 40.77M | 31.08M |
Depreciation & Amortization | 1.4M | 1.79M | 2.55M | 2.86M | 3.29M | 3.3M | 2.97M | 2.45M | 2.56M | 717.44M |
Stock-Based Compensation | 270.23K | 702.65K | 1.5M | 1.77M | 1.9M | 1.39M | 832.6K | 1.38M | 1.48M | 655.13M |
Deferred Taxes | -1.81K | -5.4K | -1.99M | 3.11M | -2.2M | -5.42M | -1.2M | 4.93M | -201.55K | -1.59B |
Other Non-Cash Items | 469.87K | 3.04M | -3.88M | -671.54K | -9.19M | 13.75M | -908.37K | 465.67K | -834.17K | 8.93B |
Working Capital Changes | 15.92M | 13.68M | 37.65M | -18.28M | 37.92M | 8.58M | -6.86M | 30.36M | 32.09M | 31.1M |
Cash from Investing | -47.63M | -43.4M | -14.97M | 581.29K | -15.95M | -5.91M | 9.46M | -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 | 0 | 0 | 0 | 0 | 233.8K | 0 | 0 | 0 | 0 | 0 |
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 | 15.24M | 31.25M | 22.43M | 47.44M | 103.9M | 48.56M | 62.79M | 132.08M | 60.75M | 6.16B |
Other Investing | -2M | -40.67M | 0 | 0 | 0 | 0 | 0 | 0 | 3.6M | -835.81M |
Cash from Financing | 55.92M | -6.14M | -3.63M | -3.27M | -3.57M | -5.51M | -1.12M | -2.99M | 506.07K | -1.34B |
Dividends Paid | -3.21M | -4.28M | -3.5M | -1.96M | -1.69M | -1.28M | 0 | 0 | -1.41M | -1.43M |
Share Repurchases | -176.84K | -540.25K | 0 | -1.18M | -1.67M | 0 | -13.41K | 0 | 0 | 0 |
Stock Issued | 30.14M | 0 | 0 | 0 | 0 | 60.46K | 0 | 13.61M | 9.67M | 101.25K |
Debt Issuance (Net) | 1000K | 0 | 0 | 0 | 0 | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 12.04M | 48.38M | 21.14M | 32.39M | 19.46M | 24.29M | 11.96M | 8.98M | 28.67M | 12.18B |
Cash at End | 48.38M | 21.14M | 32.39M | 19.46M | 24.29M | 11.96M | 8.98M | 28.67M | 12.18M | 11.36B |
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 | 2.38 | 1.83 | 2.41 | -1.26 | 1.87 | -0.51 | -1.22 | 4.48 | 5.17 | 606.8 |
Kingstone Companies, Inc. (KINS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
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 | 8.94 | 8.27 | 8.19 | 8.65 | 7.15 | 3.4 | 3.21 | 5.37 | 8.68 | 7.92K |
Debt / Equity | 0.31x | 0.33x | 0.33x | 0.32x | 0.39x | 0.70x | 0.73x | 0.17x | 0.04x | 0.00x |
Revenue Growth | 19.8% | 22.64% | 27.55% | -9.48% | 22.73% | -19.27% | 10.78% | 7.6% | 28.39% | 22.72% |
Kingstone Companies, Inc. (KINS) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 7, 2026·SEC
Apr 27, 2026·SEC
Apr 20, 2026·SEC
Kingstone Companies, Inc. (KINS) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
Kingstone Companies, Inc. (KINS) has a combined ratio of 74.4%. A ratio below 100% indicates underwriting profitability.