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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $214.87M | $155.14M | $144.19M | $130.16M | $161.23M | $131.37M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $163.82M | $131.85M | $151.56M | $158.10M | $170.64M | $132.66M |
| D&A | $2.56M | $2.45M | $2.97M | $3.30M | $3.29M | $2.86M |
| Operating Income | $51.05M | $23.29M | ($27.94M) | ($27.94M) | ($1.29M) | - |
| Interest Expense | - | - | $4.00M | $2.02M | $1.83M | $1.83M |
| Income Tax | $10.28M | $4.93M | ($1.20M) | ($5.42M) | ($2.03M) | ($2.26M) |
| Net Income | $40.77M | $18.36M | ($6.17M) | ($22.52M) | ($7.38M) | $972.4K |
| EPS - Basic | $2.93 | $1.60 | ($0.57) | ($2.12) | ($0.70) | $0.09 |
| EPS - Diluted | $2.88 | $1.48 | ($0.57) | ($2.12) | ($0.70) | $0.09 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $12.18M | $28.67M | $8.98M | $11.96M | $24.29M | $19.46M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $453.43M | $374.92M | $317.63M | $320.33M | $331.31M | $317.58M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $3.14M | $4.32M | $25.16M | $25.16M | $29.82M | $29.65M |
| Total Liabilities | $330.69M | $308.21M | $283.13M | $284.16M | $255.64M | $224.78M |
| Stockholders' Equity | $122.73M | $66.71M | $34.50M | $36.17M | $75.67M | $92.80M |
| Retained Earnings | $34.60M | ($4.76M) | ($23.11M) | ($16.95M) | $6.86M | $15.93M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $75.86M | $57.95M | ($11.33M) | ($915.5K) | $24.35M | ($10.23M) |
| Investing Cash Flow | ($92.86M) | ($35.26M) | $9.46M | ($5.91M) | ($15.95M) | $581.3K |
| Financing Cash Flow | $506.1K | ($2.99M) | ($1.12M) | ($5.51M) | ($3.57M) | ($3.27M) |
| CapEx | $2.81M | $2.34M | $1.83M | $4.55M | $3.33M | - |
| Free Cash Flow | $73.05M | $55.61M | ($13.15M) | ($5.47M) | $21.02M | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 23.8% | 15.0% | -19.4% | -21.5% | -0.8% | - |
| EBITDA margin | 24.9% | 16.6% | -17.3% | -18.9% | 1.2% | - |
| Net margin | 19.0% | 11.8% | -4.3% | -17.3% | -4.6% | 0.7% |
| Free cash flow margin | 34.0% | 35.8% | -9.1% | -4.2% | 13.0% | - |
| FCF / Net income | 1.79 | 3.03 | 2.13 | 0.24 | -2.85 | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.1% | 21.2% | - | - | - | - |
| Return on assets | 9.0% | 4.9% | -1.9% | -7.0% | -2.2% | 0.3% |
| Return on equity | 33.2% | 27.5% | -17.9% | -62.3% | -9.8% | 1.0% |
| Return on invested capital | 32.4% | 25.8% | -37.0% | -36.0% | -1.0% | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.03 | 0.06 | 0.73 | 0.70 | 0.39 | 0.32 |
| Debt / Assets | 0.01 | 0.01 | 0.08 | 0.08 | 0.09 | 0.09 |
| Debt / EBITDA | 0.06 | 0.17 | - | - | 14.89 | - |
| Interest coverage | - | - | -7.0x | -13.8x | -0.7x | - |
| Equity multiplier | 3.69 | 5.62 | 9.21 | 8.86 | 4.38 | 3.42 |
| Liabilities / Assets | 0.73 | 0.82 | 0.89 | 0.89 | 0.77 | 0.71 |
| Efficiency | ||||||
| Asset turnover | 0.47 | 0.41 | 0.45 | 0.41 | 0.49 | 0.41 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 5.8x | 10.3x | - | - | - | 73.9x |
| P / B | 1.9x | 2.8x | 0.7x | 0.4x | 0.7x | 0.8x |
| P / S | 1.1x | 1.2x | 0.2x | 0.1x | 0.3x | 0.5x |
| EV / EBITDA | 4.3x | 6.4x | - | - | 29.2x | - |
| Growth | ||||||
| Revenue growth (YoY) | 38.5% | 7.6% | 10.8% | -19.3% | 22.7% | -9.8% |
| Revenue CAGR (3y) | 18.2% | -1.3% | 3.2% | -3.7% | 12.3% | 12.3% |
| Revenue CAGR (5y) | 10.3% | 1.3% | 4.9% | 7.0% | 15.8% | 15.4% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 119.2% | - | 0.0% | -2069.8% | - | - |
| Net income growth (YoY) | 122.1% | - | 72.6% | -205.3% | - | - |
| EPS growth (YoY) | 94.6% | - | 73.1% | -202.9% | - | - |
| EPS CAGR (3y) | - | - | - | - | - | -54.3% |
| EPS CAGR (5y) | 100.0% | - | - | - | - | -37.5% |
| FCF growth (YoY) | 31.4% | - | -140.6% | - | - | - |
| FCF CAGR (5y) | - | 16.5% | - | - | 7.5% | - |
| Book value growth (YoY) | 84.0% | 93.3% | -4.6% | -52.2% | -18.5% | 5.2% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |