Pricing Log in Create free account
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%
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% (at or above 15%: strong)
This Y EPS Growth (3.23%) (below 0%: weak)
Next Y EPS Growth 7.41%
Next Y revenue growth 17.75% (at or above 10%: strong)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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. $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.

Source: company filings (standardised) and stockrow calculations.

Kingstone Companies, Inc (KINS) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/KINS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com