Pricing Log in Create free account
Friday 6 November 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.

Revenue
+21.4%
EPS
+57.1%
Free cash flow
+220.1%
Total debt
−31.3%

Quarter to September 2026, against a year earlier

19.83 0.87 +4.59%
Market cap
$274.5M
P/E
6.8×
Fwd P/E
7.6×
Dividend yield
1.05%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.65
Sold, $m 0.24
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 2 — — — — — —
Sell — — — — 1 — — — — — — —
Insider Ownership 20.36%

Capital & Financial Ratios $m

Size
Market Cap 274.47
Revenue ttm 249.59
Net income ttm 42.01
Free cash flow ttm 82.10
Net debt Q (17.32)
Valuation
P/E 6.80
Forward P/E 7.58
Price / sales 1.15
Forward P/S Powerpack
Price / FCF 3.64
Price / book 2.10
Financial health
Current ratio Q 0.34
Debt / equity Q 0.03
Interest coverage Q 413.49
Growth
Revenue growth Q +21.37% (above 0%: growing)
Operating income growth Q +62.27% (above 0%: growing)
EPS, this year −3.23% (below 0%: weak)
EPS, next year A +7.41%
Revenue, next year A +17.75% (at or above 10%: strong)
EPS, past 5 yrs +100.00% (at or above 15%: strong)
EPS, next 5 yrs A +5.76%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 11.34%
10-year low 10-year high
P/S against its own 10 years 69.43%
10-year low 10-year high
P/B against its own 10 years 82.77%
10-year low 10-year high

Dividends raised 2 years running

Yield
1.05%
Annual rate
0.21
Payout ratio
7.32%
Growth, 2017–26
−3.48%/yr
  1. 0.30 ’17
  2. 0.40 ’18 +32
  3. 0.33 ’19 −19
  4. 0.18 ’20 −44
  5. 0.16 ’21 −12
  6. 0.12 ’22 −25
  7. 0.00 ’23 −100
  8. 0.10 ’25
  9. 0.22 ’26 +120
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 9 29 12 21
Receivables 89 91 82 —
Inventory — — — —
Other — — — —
118 144 122 —
2023 2024 2025 Q'26
Payables 4 11 11 11
ST’ Debt — — — —
Other 231 264 299 —
258 297 326 —

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%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.95 Actual 1.04

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY25 0.55 0.75 Beat by 0.20
Q4 FY25 1.05 1.08 Beat by 0.03
Q1 FY26 −0.26 −0.35 Miss by 0.09
Q2 FY26 0.95 1.04 Beat by 0.09
Q3 FY26 0.87 — Reports 5 November 2026

EPS $

Mar Jun Sep Dec Year
’26 (0.40) 1.05 1.19 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 60 66 68 — —
’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 22 — —
’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 22 — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 77 93 114 145 131 161 130 144 155 215 250 +12.0% 253 293 337 +16.2%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 13 14 3 (8) (1) (9) (28) (7) 23 51 53 +16.0%
EBT margin, % 17.33 15.43 2.64 (5.36) (0.98) (5.84) (21.47) (5.11) 15.01 23.76 21.18 +6.4 pt
Net income 9 10 3 (6) 1 (7) (23) (6) 18 41 42 +18.4%
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 17.24 +4.9%
Earnings 1.15 0.96 0.29 (0.55) 0.09 (0.70) (2.12) (0.57) 1.60 2.93 2.92 +11.0%
Cash flow 1.96 2.70 2.09 2.77 (0.95) 2.30 (0.09) (1.05) 5.05 5.45 5.67 +12.0%
Capex (0.07) (0.27) (0.26) (0.37) (0.31) (0.42) (0.43) (0.17) (0.20) 0.06 0.00 n/m
Free cash flow 1.89 2.43 1.83 2.41 (1.26) 1.87 (0.51) (1.22) 4.84 5.50 5.67 +12.6%
Book value 7.33 9.10 8.30 8.19 8.66 7.15 3.40 3.21 5.81 8.81 9.44 +2.1%
Shares, m 8 10 11 11 11 11 11 11 11 14 14 +6.7%
Valuation, ×
Valuation, × P/E 12.08 20.26 58.97 0.00 73.89 0.00 0.00 0.00 9.55 5.78 6.80 18.1
P/S 1.36 2.16 1.66 0.58 0.54 0.33 0.12 0.15 1.12 1.09 1.15 0.9
P/B 1.86 2.11 2.13 0.95 0.77 0.70 0.42 0.63 2.61 1.91 2.10 1.4
EV/Sales 1.21 1.95 1.72 0.56 0.62 0.36 0.22 0.26 1.01 1.05 — 0.9
EV/FCF 6.40 7.17 9.99 3.11 (6.01) 2.95 (5.18) (2.88) 2.82 2.96 — 2.1
Cash, $m
Cash, $m Operating cash flow 15 28 22 30 (10) 24 (1) (11) 58 76 82 +19.6%
Capex (1) (3) (3) (4) (3) (4) (5) (2) (2) 1 (3) n/m
Free cash flow 15 25 20 26 (14) 20 (5) (13) 56 77 82 +20.2%
Balance, $m
Balance, $m Working capital (45) (24) (68) (97) (98) (127) (143) (140) (153) (204) (226) +18.4%
Net debt (12) (19) 6 (3) 10 6 13 16 (17) (8) (17) (4.8%)
Shareholders’ equity 57 95 89 88 93 76 36 35 67 123 137 +9.0%
Returns, %
Returns, % ROA 5.59 4.71 1.19 (2.03) 0.30 (2.27) (6.91) (1.93) 5.30 9.84 9.16 +4.3 pt
ROIC 18.79 11.92 3.18 (4.36) 0.33 (5.84) (32.82) (4.14) 34.04 27.99 27.80 +9.2 pt
ROE 17.46 13.20 3.38 (6.75) 1.07 (8.76) (40.28) (17.46) 36.28 43.04 34.38 +25.6 pt
People
People Employees 80 97 101 97 87 91 95 84 99 113 — +3.9%
Revenue/emp, $m 0.97 0.96 1.13 1.50 1.51 1.77 1.37 1.72 1.57 1.90 — +7.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

Kingstone Companies, Inc vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

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. $926.2M 28.3× 31.6× +29.35% (above 0%: growing) −91.48% (below 0%: shrinking) +414.93% (above 0%: growing) 100.00% 6.47% Compare
DGICA Donegal Group, Inc. $732.0M 9.7× 10.3× −3.36% (below 0%: shrinking) +29.79% (above 0%: growing) −33.25% (below 0%: shrinking) 0.00% 9.42% Compare
ROOT Root, Inc. $716.7M 9.2× 11.5× −1.68% (below 0%: shrinking) n/m −18.06% (below 0%: shrinking) 38.79% 4.80% Compare
AII American Integrity Insurance Group, Inc. $530.6M 6.0× 7.6× +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 $485.4M 5.7× 11.6× −21.78% (below 0%: shrinking) −38.66% (below 0%: shrinking) −54.47% (below 0%: shrinking) 53.61% 40.15% Compare
DGICB Donegal Group, Inc. $446.3M 14.1× 10.3× −3.36% (below 0%: shrinking) +17.02% (above 0%: growing) −33.25% (below 0%: shrinking) 0.00% 9.42% Compare
NODK NI Holdings, Inc. $314.0M 41.1× — (loss-making) −7.66% (below 0%: shrinking) n/m −85.46% (below 0%: shrinking) 31.06% 0.33% Compare
GBLI Global Indemnity PLC $307.5M 10.0× 10.3× −1.10% (below 0%: shrinking) −29.89% (below 0%: shrinking) +112.10% (above 0%: growing) 0.00% 10.28% Compare
KINS Kingstone Companies, Inc $274.5M 7.6× 7.6× +25.93% (above 0%: growing) +32.10% (above 0%: growing) +220.06% (above 0%: growing) 100.00% 29.72%
Median of peers $508.0M 9.8× 10.3× −2.52% −11.24% −25.65% 34.93% 9.42%

All 46 Insurance Property & Casualty stocks →

Pay and ownership Proxy statement filed 25 June 2026

Ownership

Directors and executive officers, together 4.30%
Barry B. GoldsteinPO Box 6.30%
Gregory Fortunoff49 West 5.90%
BlackRock, Inc.50 Hudson YardsNew York, NY 5.40%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Kingstone Companies, Inc (KINS) Latest News

6 Nov

Impact 3 · · MarketBeat

5 Nov

Impact 3 · · GlobeNewswire

23 Oct

Impact 3 · · GlobeNewswire

16 Oct

Impact 3 · · GlobeNewswire

13 Aug

Impact 3 · · The Motley Fool transcript

7 Aug

Impact 4 · transcript
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby

6 Aug

Impact 3 ·
Impact 3 ·
Impact 3 ·

1 Jul

Impact 3 ·

19 May

Impact 3 · · GlobeNewswire

15 May

Impact 3 · · Simply Wall St.

12 May

Impact 3 · · Zacks

9 May

Impact 3 · · GuruFocus.com

8 May

Impact 4 · · MarketBeat

7 May

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

8 Apr

Impact 4 · · GlobeNewswire

1 Apr

Impact 4 · · GlobeNewswire

24 Mar

Impact 3 · · Zacks

6 Mar

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · Moby
Impact 4 · · The Motley Fool transcript

5 Mar

Impact 4 · · GlobeNewswire

12 Feb

Impact 4 · · Simply Wall St.

4 Feb

Impact 4 · · GlobeNewswire

29 Dec

Impact 4 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.
stockrow.com/KINS · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com