Saturday 17 October 2026 Export KINS’s income statement to Excel — free account

Kingstone Companies, Inc

KINS Financial Insurance Property & Casualty

Kingstone Companies, Inc’s revenue for fiscal 2025 (year ended December 2025) was $214.9 million, up 38.5% from fiscal 2024. In the quarter to June 2026, revenue grew 25.9%, EPS grew 32.1%, free cash flow grew 220.1% and total debt fell 29.1%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

18.72 0.14 +0.75%

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Market cap: $269.0M
P/E: 7.5×
Fwd P/E: 6.1×
Dividend yield: 1.12%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.65

Total sells 0.24

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	2	—	—	—	—	—
Sell	—	—	—	—	—	1	—	—	—	—	—	—

Insider Ownership 20.37%

Capital & Financial Ratios $m

Market Cap 268.97

Revenue 237.70

Net Income 35.29

Free Cash Flow 83.08

Net Debt (13.12)

Current Ratio 0.34

Debt/Equity 0.03

P/E ratio 7.55

Fwd P/E 6.07

P/S ratio 1.14

P/B ratio 2.10

Past 5Y EPS Growth 100.00%

This Y EPS Growth (3.23%)

Next Y EPS Growth 7.41%

Next Y revenue growth 17.75%

Next 5Y EPS Growth 5.76%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 16.62%

10-year low 10-year high

P/S against its own 10 years 69.00%

10-year low 10-year high

P/B against its own 10 years 82.79%

10-year low 10-year high

Dividends

Payout Ratio 0.09

Annual Dividend Rate 0.21

Annual Dividend Yield 1.12%

	total	individual payouts
2026	0.16	0.05 0.05 0.06
2025	0.10	0.05 0.05
2023	Powerpack
2022	0.12	0.04 0.04 0.04
2021	0.16	0.04 0.04 0.04 0.04
2020	0.18	0.06 0.04 0.04 0.04
2019	0.33	0.10 0.10 0.06 0.06
2018	0.40	0.10 0.10 0.10 0.10
2017	0.30	0.06 0.08 0.08 0.08
2016	0.25	0.06 0.06 0.06 0.06

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	9	29	12	17
Receivables	89	91	82	74
Inventory	—	—	—	—
Other	—	—	—	—
	118	144	122	119

	2023	2024	2025	Q'26
Payables	4	11	11	10
ST’ Debt	—	—	—	—
Other	231	264	299	326
	258	297	326	345

Compound Annual Growth %

	10y	5y	3y
Sales	12.84%	10.34%	18.19%
Cash Flow	14.03%	0.00%	0.00%
Earnings	19.34%	111.10%	0.00%
Book Value	10.49%	5.75%	50.27%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	60	66	—	—	—
’25	50	52	56	56	215
’24	36	37	41	42	155
’23	37	37	34	37	144
’22	29	29	36	37	130
’21	40	40	39	43	161
’20	26	35	35	36	131

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	9	29	—	—	—
’25	18	9	26	23	76
’24	6	7	22	23	58
’23	(3)	(14)	1	4	(11)
’22	(17)	4	6	7	(1)
’21	1	13	15	(5)	24
’20	(15)	5	1	(1)	(10)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	8	28	—	—	—
’25	21	9	22	26	77
’24	6	7	21	22	56
’23	(4)	(14)	1	4	(13)
’22	(19)	3	5	6	(5)
’21	0	12	14	(6)	20
’20	(16)	5	(1)	(2)	(14)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	(0.40)	1.05	—	—	—
’25	0.27	0.78	0.74	1.03	2.88
’24	0.12	0.37	0.55	0.40	1.48
’23	(0.47)	(0.05)	(0.33)	0.26	(0.57)
’22	(0.87)	(0.51)	(0.38)	(0.37)	(2.12)
’21	(0.03)	0.12	(1.01)	0.21	(0.70)
’20	(0.50)	0.43	(0.12)	0.28	0.09

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	7.21	11.80	13.21	6.90	3.87	4.61	0.69	1.05	1.97	13.08	Analyst estimates 2026–2028 Powerpack
	High	14.15	19.60	21.70	18.25	8.71	8.98	5.94	3.39	18.08	22.40
People
People	Employees	80	97	101	97	87	91	95	84	99	113
	Revenue/emp, $m	0.97	0.96	1.13	1.50	1.51	1.77	1.37	1.72	1.57	1.90
Income, $m
Income, $m	Revenue	77	93	114	145	131	161	130	144	155	215
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	13	14	3	(8)	(1)	(9)	(28)	(7)	23	51
	EBT margin, %	17.33	15.43	2.64	(5.36)	(0.98)	(5.84)	(21.47)	(5.11)	15.01	23.76
	Net income	9	10	3	(6)	1	(7)	(23)	(6)	18	41
	Depreciation	2	2	2	3	4	4	8	4	3	3
Per share, $
Per share, $	Revenue	10.01	8.93	10.65	13.47	12.25	15.23	12.23	13.41	13.52	15.43
	Earnings	1.15	0.96	0.29	(0.55)	0.09	(0.70)	(2.12)	(0.57)	1.60	2.93
	Cash flow	1.96	2.70	2.09	2.77	(0.95)	2.30	(0.09)	(1.05)	5.05	5.45
	Capex	(0.07)	(0.27)	(0.26)	(0.37)	(0.31)	(0.42)	(0.43)	(0.17)	(0.20)	0.06
	Free cash flow	1.89	2.43	1.83	2.41	(1.26)	1.87	(0.51)	(1.22)	4.84	5.50
	Book value	7.33	9.10	8.30	8.19	8.66	7.15	3.40	3.21	5.81	8.81
	Shares, m	8	10	11	11	11	11	11	11	11	14
Valuation, ×
Valuation, ×	P/E	12.08	20.26	58.97	0.00	73.89	0.00	0.00	0.00	9.55	5.78
	P/S	1.36	2.16	1.66	0.58	0.54	0.33	0.12	0.15	1.12	1.09
	P/B	1.86	2.11	2.13	0.95	0.77	0.70	0.42	0.63	2.61	1.91
	EV/Sales	1.21	1.95	1.72	0.56	0.62	0.36	0.22	0.26	1.01	1.05
	EV/FCF	6.40	7.17	9.99	3.11	(6.01)	2.95	(5.18)	(2.88)	2.82	2.96
Cash, $m
Cash, $m	Operating cash flow	15	28	22	30	(10)	24	(1)	(11)	58	76
	Capex	(1)	(3)	(3)	(4)	(3)	(4)	(5)	(2)	(2)	1
	Free cash flow	15	25	20	26	(14)	20	(5)	(13)	56	77
Balance, $m
Balance, $m	Working capital	(45)	(24)	(68)	(97)	(98)	(127)	(143)	(140)	(153)	(204)
	Total debt	—	29	29	29	30	30	25	25	11	4
	Net debt	(12)	(19)	6	(3)	10	6	13	16	(17)	(8)
	Shareholders’ equity	57	95	89	88	93	76	36	35	67	123
Returns, %
Returns, %	ROA	5.59	4.71	1.19	(2.03)	0.30	(2.27)	(6.91)	(1.93)	5.30	9.84
	ROIC	18.79	11.92	3.18	(4.36)	0.33	(5.84)	(32.82)	(4.14)	34.04	27.99
	ROE	17.46	13.20	3.38	(6.75)	1.07	(8.76)	(40.28)	(17.46)	36.28	43.04

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
HIPO Hippo Holdings Inc.	$930.5M	7.4×	70.4×	+23.36% (above 0%: growing)	+660.00% (above 0%: growing)	+86.85% (above 0%: growing)	100.00%	8.02%	Compare
ROOT Root, Inc.	$782.6M	13.6×	18.1×	+1.65% (above 0%: growing)	+13.24% (above 0%: growing)	+12.08% (above 0%: growing)	38.36%	8.89%	Compare
DGICA Donegal Group, Inc.	$691.1M	9.5×	10.2×	−2.44% (below 0%: shrinking)	+29.79% (above 0%: growing)	−51.37% (below 0%: shrinking)	26.73%	11.56%	Compare
AII American Integrity Insurance Group, Inc.	$542.8M	6.1×	6.1×	+54.59% (above 0%: growing)	+7.41% (above 0%: growing)	+345.10% (above 0%: growing)	56.10%	40.31%	Compare
ACIC American Coastal Insurance Corporation	$530.7M	5.3×	11.6×	−4.48% (below 0%: shrinking)	−16.36% (below 0%: shrinking)	−54.47% (below 0%: shrinking)	49.71%	37.28%	Compare
DGICB Donegal Group, Inc.	$446.3M	10.7×	10.2×	−2.44% (below 0%: shrinking)	+17.02% (above 0%: growing)	−51.37% (below 0%: shrinking)	26.73%	11.56%	Compare
GBLI Global Indemnity PLC	$355.0M	10.3×	11.2×	+5.05% (above 0%: growing)	+5.56% (above 0%: growing)	−325.95% (below 0%: shrinking)	18.32%	12.42%	Compare
NODK NI Holdings, Inc.	$303.2M	39.3×	— (loss-making)	−7.66% (below 0%: shrinking)	n/m	−85.46% (below 0%: shrinking)	31.06%	0.33%	Compare
KINS Kingstone Companies, Inc	$269.0M	7.5×	6.1×	+25.93% (above 0%: growing)	+32.10% (above 0%: growing)	+220.06% (above 0%: growing)	100.00%	29.72%
Median of peers	$536.7M	9.9×	11.2×	−0.39%	+13.24%	−51.37%	34.71%	11.56%

All 45 Insurance Property & Casualty stocks →

Kingstone Companies, Inc (KINS) key facts

Strength: Kingstone Companies, Inc’s revenue for fiscal 2025 (year ended December 2025) was $214.9 million, up 38.5% from fiscal 2024.
Strength: Net income was $40.8 million, or $2.93 per share (basic), a net margin of 19.0%.
Kingstone Companies, Inc (KINS) is an Insurance Property & Casualty company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, KINS traded at $18.72, a market capitalization of $269.0 million.
At that price the stock trades at 7.5× trailing-twelve-month earnings and 1.1× sales; its P/E is higher than 17% of its own readings over the past ten years.
Kingstone Companies, Inc pays an annual dividend of $0.21 per share, a yield of 1.12%, with a payout ratio of 8.68%.
Return on equity was 43.0% and debt-to-equity 0.03.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.