KINS · Kingstone Companies, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59.78M | - | $55.65M | $52.29M | $50.50M | - | $40.77M | $36.50M | $35.77M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | $67.18M | - | $41.95M | $38.13M | $45.78M | - | $31.69M | $30.78M | $33.96M | - |
| D&A | $715.5K | - | $644.7K | $613.4K | $623.9K | - | $619.1K | $619.9K | $596.5K | - |
| Operating Income | ($7.40M) | - | $13.71M | $14.17M | $4.72M | - | $9.08M | $5.72M | $1.80M | - |
| Interest Expense | - | - | - | - | - | - | - | $989.7K | $993.9K | - |
| Income Tax | ($1.59M) | - | $2.83M | $2.91M | $835.7K | - | $2.11M | $1.21M | $378.0K | - |
| Net Income | ($5.81M) | - | $10.87M | $11.25M | $3.88M | - | $6.98M | $4.51M | $1.43M | - |
| EPS - Basic | ($0.40) | - | $0.77 | $0.81 | $0.29 | - | $0.61 | $0.41 | $0.13 | - |
| EPS - Diluted | ($0.40) | - | $0.74 | $0.78 | $0.27 | - | $0.55 | $0.37 | $0.12 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $11.36M | $12.18M | $26.77M | $33.71M | $37.49M | $28.67M | $33.76M | $12.17M | $3.20M | $8.98M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $465.34M | $453.43M | $428.59M | $393.42M | $385.44M | $374.92M | $346.99M | $319.78M | $318.29M | $317.63M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $2.81M | $3.14M | $3.47M | $3.80M | $4.12M | $4.32M | $16.44M | $25.27M | $25.26M | $25.24M |
| Total Liabilities | $350.83M | $330.69M | $320.94M | $298.54M | $303.23M | $308.21M | $287.32M | $278.97M | $282.54M | $283.13M |
| Stockholders' Equity | $114.50M | $122.73M | $107.65M | $94.88M | $82.21M | $66.71M | $59.67M | $40.80M | $35.75M | $34.50M |
| Retained Earnings | $28.07M | $34.60M | $20.54M | $10.38M | ($873.2K) | ($4.76M) | ($10.19M) | ($17.17M) | ($21.69M) | ($23.11M) |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.71M | - | - | - | $17.86M | - | - | - | $6.10M | - |
| Investing Cash Flow | ($8.20M) | - | - | - | ($11.84M) | - | - | - | ($11.59M) | - |
| Financing Cash Flow | ($1.33M) | - | - | - | $2.81M | - | - | - | ($288.6K) | - |
| CapEx | $835.8K | - | - | - | $863.5K | - | - | - | $541.0K | - |
| Free Cash Flow | $7.88M | - | - | - | $16.99M | - | - | - | $5.56M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | -12.4% | - | 24.6% | 27.1% | 9.3% | - | 22.3% | 15.7% | 5.0% | - |
| EBITDA margin | -11.2% | - | 25.8% | 28.3% | 10.6% | - | 23.8% | 17.4% | 6.7% | - |
| Net margin | -9.7% | - | 19.5% | 21.5% | 7.7% | - | 17.1% | 12.4% | 4.0% | - |
| Free cash flow margin | 13.2% | - | - | - | 33.7% | - | - | - | 15.5% | - |
| FCF / Net income | -1.36 | - | - | - | 4.38 | - | - | - | 3.90 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | - | 20.7% | 20.6% | 17.7% | - | 23.2% | 21.1% | 20.9% | - |
| Return on assets | -1.2% | - | 2.5% | 2.9% | 1.0% | - | 2.0% | 1.4% | 0.4% | - |
| Return on equity | -5.1% | - | 10.1% | 11.9% | 4.7% | - | 11.7% | 11.1% | 4.0% | - |
| Return on invested capital | -5.0% | - | 9.8% | 11.4% | 4.5% | - | 9.2% | 6.8% | 2.3% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.02 | 0.03 | 0.03 | 0.04 | 0.05 | 0.06 | 0.28 | 0.62 | 0.71 | 0.73 |
| Debt / Assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.05 | 0.08 | 0.08 | 0.08 |
| Debt / EBITDA | - | - | 0.24 | 0.26 | 0.77 | - | 1.69 | 3.99 | 10.52 | - |
| Interest coverage | - | - | - | - | - | - | - | 5.8x | 1.8x | - |
| Equity multiplier | 4.06 | 3.69 | 3.98 | 4.15 | 4.69 | 5.62 | 5.82 | 7.84 | 8.90 | 9.21 |
| Liabilities / Assets | 0.75 | 0.73 | 0.75 | 0.76 | 0.79 | 0.82 | 0.83 | 0.87 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | 0.13 | - | 0.13 | 0.13 | 0.13 | - | 0.12 | 0.11 | 0.11 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | 19.9x | 19.8x | 61.7x | - | 16.6x | 13.5x | 37.1x | - |
| P / B | 1.8x | - | 2.0x | 2.3x | 2.9x | - | 1.9x | 1.5x | 1.5x | - |
| P / S | 3.5x | - | 3.9x | 4.2x | 4.7x | - | 2.8x | 1.7x | 1.5x | - |
| EV / EBITDA | - | - | 13.3x | 13.0x | 38.2x | - | 10.1x | 11.6x | 31.0x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 18.4% | - | 36.5% | 43.3% | 41.2% | - | 19.1% | -0.6% | -2.4% | - |
| Revenue CAGR (3y) | 17.7% | - | 16.1% | 21.7% | 20.9% | - | 1.5% | -2.7% | -3.3% | - |
| Revenue CAGR (5y) | 8.6% | - | 9.8% | 8.3% | 13.7% | - | 1.1% | 1.1% | 0.5% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | 50.9% | 147.7% | 161.4% | - | - | - | - | - |
| Net income growth (YoY) | - | - | 55.8% | 149.2% | 172.1% | - | - | - | - | - |
| EPS growth (YoY) | - | - | 34.5% | 110.8% | 125.0% | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | -32.3% | - | - | 45.5% | - | - |
| EPS CAGR (5y) | - | - | - | 12.6% | - | - | - | 19.8% | - | - |
| FCF growth (YoY) | -53.6% | - | - | - | 205.8% | - | - | - | - | - |
| FCF CAGR (5y) | 52.3% | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 39.3% | 84.0% | 80.4% | 132.5% | 130.0% | 93.3% | 124.9% | 27.2% | 7.4% | -4.6% |
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing KINGSTONE COMPANIES against the 5 most active filers in the same SIC group.
Dividends
$0.20/share trailing 12 months
| Ex-date | Per share |
|---|---|
| May 11, 2026 | $0.0500 |
| Feb 11, 2026 | $0.0500 |
| Nov 10, 2025 | $0.0500 |
| Aug 11, 2025 | $0.0500 |
| Aug 30, 2022 | $0.0400 |
| May 27, 2022 | $0.0400 |
| Feb 25, 2022 | $0.0400 |
| Nov 29, 2021 | $0.0400 |
| Aug 30, 2021 | $0.0400 |
| May 27, 2021 | $0.0400 |
| Feb 25, 2021 | $0.0400 |
| Nov 27, 2020 | $0.0400 |
| Aug 28, 2020 | $0.0400 |
| May 28, 2020 | $0.0400 |
| Feb 27, 2020 | $0.0630 |
| Nov 27, 2019 | $0.0630 |
| Aug 29, 2019 | $0.0630 |
| May 30, 2019 | $0.1000 |
| Feb 27, 2019 | $0.1000 |
| Nov 29, 2018 | $0.1000 |
| Aug 30, 2018 | $0.1000 |
| May 30, 2018 | $0.1000 |
| Feb 27, 2018 | $0.1000 |
| Nov 29, 2017 | $0.0800 |