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KINSKingstone Companies, Inc.
$20.13$292M
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KINS logoKingstone Companies, Inc.(KINS)Earnings, Financials & Key Ratios

KINS•NASDAQ•Insurance & Managed Care
$20.13
7.0× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutKingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company offers personal line of insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies, as well as reinsurance products. It sells its products through retail and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is headquartered in Kingston, New York.Show more
  • Revenue$199M+28.4%
  • Combined Ratio74.37%-12.5%
  • Net Income$41M+122.1%
  • Return on Equity43.04%+18.6%
  • Medical Cost Ratio42.3%-32.0%
  • Operating Margin25.63%+70.7%
  • Net Margin20.47%+73.0%
  • ROA9.84%+85.7%
  • Equity / Assets27.07%+52.1%

KINS Price & Volume

Kingstone Companies, Inc. (KINS) stock price & volume — 10-year historical chart

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Volatile Underwriting Performance Masks Capital Base Expansion

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:New York geographic concentration

Key Thesis Takeaways

  • Kingstone Companies exhibits aggressive top-line growth with a 28.39% year-over-year revenue increase, yet this expansion is heavily tempered by significant underwriting volatility and a combined ratio that reached 112.4% in 2026Q1.
  • While the company has successfully grown its equity base to $114.5 million, the reliance on reserve releases to bolster earnings and the geographic concentration in New York create substantial operational risk.
  • Investors should monitor the sustainability of premium growth against the backdrop of thin liquidity and the potential for future catastrophe-related claims to erode capital.

Verdict Logic

while the stock trades at a low 6.32 P/E TTM, the extreme volatility in underwriting results and the 112.4% combined ratio in 2026Q1 warrant caution regarding the company's core profitability.

KINS Growth Metrics

Kingstone Companies, Inc. (KINS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.99%
5 Years8.68%
3 Years15.24%
TTM22.72%

Profit CAGR

10 Years19.34%
5 Years111.1%
3 Years-
TTM49.3%

EPS CAGR

10 Years11.85%
5 Years99.73%
3 Years-
TTM35.22%

Return on Capital

10 Years2.99%
5 Years3.06%
3 Years9.07%
Last Year20.3%

KINS Recent Earnings

Kingstone Companies, Inc. (KINS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$0.35-34.6%
$0.26
Rev
$70M+4.0%
$67M
Q2 2026
Mar 5, 2026
Metric
Actual
Est
EPS
$1.08+2.9%
$1.05
Rev
$83M-0.3%
$83M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$0.73+2.8%
$0.71
Rev
$56M-26.1%
$75M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.75+36.4%
$0.55
Rev
$52M-1.7%
$53M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$0.35vs $0.26-34.6%
$70Mvs $67M+4.0%
Q2 2026Mar 5, 2026
$1.08vs $1.05+2.9%
$83Mvs $83M-0.3%
Q4 2025Nov 6, 2025
$0.73vs $0.71+2.8%
$56Mvs $75M-26.1%
Q3 2025Aug 7, 2025
$0.75vs $0.55+36.4%
$52Mvs $53M-1.7%
Based on last 12 quarters of dataView full earnings history →

Latest KINS News

Recent stock market news and headlines for Kingstone Companies, Inc. (KINS)

Zacks Investment Research·19h ago
Kingstone Companies (KINS) Upgraded to Buy: Here's What You Should Know

Kingstone Companies (KINS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

GlobeNewsWire·6 days ago
Kingstone Announces its 2026/2027 Catastrophe Reinsurance Placement

KINGSTON, N.Y., July 01, 2026 (GLOBE NEWSWIRE) -- Kingstone Companies, Inc. (Nasdaq: KINS) (“Kingstone” or the “Company”), a regional property and casualty insurance holding company, today announced that its catastrophe reinsurance program for the period July 1, 2026 through June 30, 2027 has been finalized.

Zacks Investment Research·Jun 29, 2026
Kingstone Companies (KINS) Soars 6.7%: Is Further Upside Left in the Stock?

Kingstone Companies (KINS) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.

Zacks Investment Research·Jun 26, 2026
Should Value Investors Buy Kingstone Companies (KINS) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

GlobeNewsWire·Jun 22, 2026
Kingstone Appoints Sylvie Widjaja to Lead California Business

KINGSTON, N.Y., June 22, 2026 (GLOBE NEWSWIRE) -- Kingstone Companies, Inc. (Nasdaq: KINS) (“Kingstone” or the “Company”), a regional property and casualty insurance holding company, today announced that its wholly-owned subsidiary, KINS Insurance Agency, an Excess and Surplus Lines Broker, has appointed Sylvie Widjaja as Vice President, California Business Leader. Ms. Widjaja, a California insurance executive with more than two decades of experience spanning distribution, underwriting, product, and claims, will lead Kingstone's California operations as the Company enters the state's homeowners market on an excess and surplus lines basis. She will report to Meryl Golden, President and Chief Executive Officer.

Peers Comparison

Key metrics vs top competitors for Kingstone Companies, Inc. (KINS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
KINS logoKINSKingstone Companies, Inc.Current
$20.13$291.58M6.9928.39%20.47%43.04%0.5%
HRTG logoHRTGHeritage Insurance Holdings, Inc.
$27.43$832.5M4.343.71%25.99%43.68%—
HIHO logoHIHOHighway Holdings Limited
$0.85$3.91M35.2717.26%-8.71%-8.53%—
ACIC logoACICAmerican Coastal Insurance Corporation
$11.35$550.07M5.2813.07%31.34%33.02%—
HCI logoHCIHCI Group, Inc.
$181.72$2.36B7.3120.21%32.64%30.81%—
PLMR logoPLMRPalomar Holdings, Inc.
$142.13$3.77B19.8258.16%20.15%21.74%—

Compare KINS vs Peers

Kingstone Companies, Inc. (KINS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HRTG

Most directly comparable listed peer for KINS.

Scale Benchmark

vs PGR

Larger-name benchmark to compare KINS against a more recognizable public peer.

Peer Set

Compare Top 5

vs HRTG, HIHO, ACIC, HCI

KINS SEC Filings & Documents

Kingstone Companies, Inc. (KINS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Apr 20, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 18, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 12, 2025·SEC

FY 2025

Aug 14, 2025·SEC

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KINS Frequently Asked Questions

Kingstone Companies, Inc. (KINS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Kingstone Companies, Inc. growing?

Kingstone Companies, Inc. (KINS) grew revenue by 28.4% over the past year. This is strong growth.

Is KINS profitable?

Yes, Kingstone Companies, Inc. (KINS) is profitable, generating $31.1M in net income for fiscal year 2025 (20.5% net margin).

Dividend & Returns
Does KINS pay dividends?

Yes, Kingstone Companies, Inc. (KINS) pays a dividend with a yield of 0.50%. This makes it attractive for income-focused investors.

What is KINS's return on equity?

Kingstone Companies, Inc. (KINS) has a return on equity (ROE) of 43.0%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Kingstone Companies, Inc.'s combined ratio?

Kingstone Companies, Inc. (KINS) has a combined ratio of 74.4%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in KINS back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →