KINS

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Kingstone Companies, Inc

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Key Metrics

Previous Close: $19.81
52-Week Range: $13.08 – $20.90
Market Cap: $284.02M
P/E (TTM): 8.04
EPS (TTM): 2.44
Dividend Yield: 1.21%

Advanced Metrics

Price/Book: 2.20
PEG Ratio: 3.28
Return on Equity: 31.51%
Return on Assets: 6.39%
Gross Margin: 22.27%
Operating Margin: 29.72%
Profit Margin: 14.85%
Current Ratio: 0.51
Debt/Equity: 0.03
Total Debt: $3.90M
Free Cash Flow: $49.26M
Revenue Growth: 25.90%
Earnings Growth: 34.60%
Enterprise Value: $271.00M

KINS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$130.16M	$144.19M	$155.14M	$214.87M
Pretax Income	-$27.94M	-$7.37M	$23.29M	$51.05M
Income Tax	-$5.42M	-$1.20M	$4.93M	$10.28M
Net Income	-$22.52M	-$6.17M	$18.36M	$40.77M
Diluted EPS	-2.12	-0.57	1.48	2.88
Diluted Shares	10.65M	10.76M	12.42M	14.14M

KINS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$11.96M	$8.98M	$28.67M	$12.18M
Receivables	$80.35M	$89.20M	$91.09M	$80.01M
Total Assets	$320.33M	$317.63M	$374.92M	$453.43M
Long-Term Debt	$25.16M	$25.24M	$11.17M	$4.44M
Total Debt	$25.16M	$25.24M	$11.17M	$4.44M
Total Liabilities	$284.16M	$283.13M	$308.21M	$330.69M
Retained Earnings	-$16.95M	-$23.11M	-$4.76M	$34.60M
Shareholders' Equity	$36.17M	$34.50M	$66.71M	$122.73M
Net Debt	$13.20M	$16.27M	—	—

KINS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$915.52K	-$11.33M	$57.95M	$75.86M
Capital Expenditure	-$4.55M	-$1.83M	-$2.34M	-$2.81M
Free Cash Flow	-$5.47M	-$13.15M	$55.61M	$73.05M
Depreciation & Amortisation	$3.30M	$2.97M	$2.45M	$2.56M
Stock-Based Compensation	$1.39M	$832.60K	$1.38M	$1.48M
Investing Cash Flow	-$5.91M	$9.46M	-$35.26M	-$92.86M
Financing Cash Flow	-$5.51M	-$1.12M	-$2.99M	$506.07K
Dividends Paid	-$1.28M	$0.00	$0.00	-$1.41M
Share Repurchases	$0.00	—	—	—
Net Change in Cash	-$12.33M	-$2.98M	$19.69M	-$16.49M

KINS Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$50.50M	$52.29M	$55.65M	$56.42M	$59.78M
Pretax Income	$4.72M	$14.17M	$13.71M	$18.45M	-$7.40M
Income Tax	$835.68K	$2.91M	$2.83M	$3.69M	-$1.59M
Net Income	$3.88M	$11.25M	$10.87M	$14.76M	-$5.81M
Diluted EPS	0.27	0.78	0.74	1.03	-0.40
Diluted Shares	14.27M	14.39M	14.60M	14.38M	14.45M

KINS Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$37.49M	$33.71M	$26.77M	$12.18M	$11.36M
Receivables	$77.83M	$72.72M	$78.27M	$80.01M	$77.02M
Total Assets	$385.44M	$393.42M	$428.59M	$453.43M	$465.34M
Long-Term Debt	$5.36M	$5.06M	$4.75M	$4.44M	$4.12M
Total Debt	$5.36M	$5.06M	$4.75M	$4.44M	$4.12M
Total Liabilities	$303.23M	$298.54M	$320.94M	$330.69M	$350.83M
Retained Earnings	-$873.21K	$10.38M	$20.54M	$34.60M	$28.07M
Shareholders' Equity	$82.21M	$94.88M	$107.65M	$122.73M	$114.50M

KINS Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$17.86M	$9.27M	$25.93M	$22.80M	$8.71M
Capital Expenditure	-$863.47K	-$576.99K	-$652.47K	-$714.62K	-$835.81K
Free Cash Flow	$16.99M	$8.70M	$25.28M	$22.08M	$7.88M
Depreciation & Amortisation	$623.86K	$613.36K	$644.65K	$677.96K	$715.51K
Stock-Based Compensation	$339.01K	$471.86K	$430.17K	$241.32K	$653.98K
Investing Cash Flow	-$11.84M	-$12.67M	-$31.85M	-$36.49M	-$8.20M
Financing Cash Flow	$2.81M	-$381.55K	-$1.02M	-$898.33K	-$1.33M
Dividends Paid	$0.00	—	—	-$707.30K	-$722.28K
Net Change in Cash	$8.82M	-$3.78M	-$6.94M	-$14.59M	-$823.34K

Market Snapshot

About

Kingstone Companies, Inc. is a property and casualty insurance holding company. The company provides personal lines insurance products through its subsidiary, Kingstone Insurance Company, primarily in New York. Kingstone offers homeowners, dwelling fire, cooperative/condominium, and personal umbrella policies to individuals and families.