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Kingstone Companies, Inc. logo

Kingstone Companies, Inc.

KINS

NASDAQFinancial ServicesInsurance - Property & Casualty

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Previous close

$19.83

+$0.21 · +1.07%

Aug 21, 4:00 PM ET

KINS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

87

Deep Value

Momentum

66

Gaining

Sentiment

76

Bullish

Risk resilience

72

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Kingstone Companies, Inc., through its operating entity Kingstone Insurance Company, focuses on delivering property and casualty insurance to individual clients across New York. The firm's product range encompasses various personal lines, including coverage for homeowners, multi-peril dwelling fire incidents, cooperative and condominium units, renters, and personal umbrella liability. Beyond personal policies, Kingstone also offers specialized physical damage-only insurance for commercial for-hire vehicles such as livery cars, car services, and taxicabs, alongside canine legal liability policies and reinsurance solutions. Its offerings are distributed through a broad network of retail and wholesale agents and brokers. Founded in 1886 and headquartered in Kingston, New York, the company was formerly known as DCAP Group, Inc., prior to its name change in July 2009.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Meryl S. Golden
Listed since
Oct 26, 1999
Employees
113

Market position

Day range

Current $19.83

52-week range

Current $19.83

Open
$19.805
Previous close
$19.62
Volume
79.59K
0.6× average
Average volume
132.16K
Average daily volume
Market cap
287.23M USD
Beta
0.46
Market reference 1
50-day average
$19.1445
+3.58% above average
200-day average
$16.577
+19.62% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
226.64M USD
P/E (TTM)
8×
P/B (TTM)
0×
P/S (TTM)
1.29×
EV / EBITDA
4.19×
Earnings yield
17.39%
Free cash flow yield
31.17%
Dividend yield
1.06%

Profitability & efficiency

Gross margin
59.34%
Operating margin
19.94%
Net margin
15.90%
Return on equity
33.22%
Return on assets
8.99%
Return on invested capital
29.45%

Financial health

Debt / equity
0.03×
Current ratio
1.22×
Altman Z-score
0.2
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends66%34%2%-29%Gross margin, FY2021: 16.22%Gross margin, FY2022: 5.52%Gross margin, FY2023: 19.40%Gross margin, FY2024: 37.76%Gross margin, FY2025: 57.70%Operating margin, FY2021: -5.84%Operating margin, FY2022: -21.47%Operating margin, FY2023: -5.11%Operating margin, FY2024: 15.01%Operating margin, FY2025: 25.63%Net margin, FY2021: -4.58%Net margin, FY2022: -17.31%Net margin, FY2023: -4.28%Net margin, FY2024: 11.83%Net margin, FY2025: 20.47%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 16.22%. Gross margin FY2022 5.52%. Gross margin FY2023 19.40%. Gross margin FY2024 37.76%. Gross margin FY2025 57.70%. Operating margin FY2021 -5.84%. Operating margin FY2022 -21.47%. Operating margin FY2023 -5.11%. Operating margin FY2024 15.01%. Operating margin FY2025 25.63%. Net margin FY2021 -4.58%. Net margin FY2022 -17.31%. Net margin FY2023 -4.28%. Net margin FY2024 11.83%. Net margin FY2025 20.47%.

Income trends

Revenue

199.19M USD+28.39%

Operating income

51.05M USD+119.19%

Net income

40.77M USD+122.06%
Income trends across reported periods221.91M USD131.05M USD40.2M USD−50.66M USDRevenue, FY2021: 161.23M USDRevenue, FY2022: 130.16M USDRevenue, FY2023: 144.19M USDRevenue, FY2024: 155.14M USDRevenue, FY2025: 199.19M USDOperating income, FY2021: −9.41M USDOperating income, FY2022: −27.94M USDOperating income, FY2023: −7.37M USDOperating income, FY2024: 23.29M USDOperating income, FY2025: 51.05M USDNet income, FY2021: −7.38M USDNet income, FY2022: −22.52M USDNet income, FY2023: −6.17M USDNet income, FY2024: 18.36M USDNet income, FY2025: 40.77M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 161.23M USD. Revenue FY2022 130.16M USD. Revenue FY2023 144.19M USD. Revenue FY2024 155.14M USD. Revenue FY2025 199.19M USD. Operating income FY2021 −9.41M USD. Operating income FY2022 −27.94M USD. Operating income FY2023 −7.37M USD. Operating income FY2024 23.29M USD. Operating income FY2025 51.05M USD. Net income FY2021 −7.38M USD. Net income FY2022 −22.52M USD. Net income FY2023 −6.17M USD. Net income FY2024 18.36M USD. Net income FY2025 40.77M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue199.19M USD155.14M USD144.19M USD130.16M USD161.23M USD
Cost of goods sold84.27M USD96.56M USD116.21M USD122.97M USD135.09M USD
Gross profit114.93M USD58.58M USD27.98M USD7.19M USD26.14M USD
Selling, general, and administrative————4.18M USD
Operating expenses63.88M USD35.29M USD35.34M USD35.13M USD35.55M USD
Interest expense445.21K USD3.51M USD4M USD2.02M USD1.83M USD
Depreciation and amortization2.56M USD2.45M USD2.97M USD3.3M USD3.29M USD
Operating income51.05M USD23.29M USD−7.37M USD−27.94M USD−9.41M USD
Net income40.77M USD18.36M USD−6.17M USD−22.52M USD−7.38M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
60%
6 beats, 1 miss, 3 met estimates
Average EPS surprise
+42.28%
10 comparable reports
Latest EPS result
1.04
Estimate 0.95 · Beat by 9.47%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.190.640.09-0.46Q1 '25MetQ2 '25No estimateQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 13, 2025: actual 0.46, estimate 0.46, surprise 0.00%, Met estimate. Q2 2025, reported May 8, 2025: actual 0.17, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 0.75, estimate 0.55, surprise +36.36%, Beat. Q4 2025, reported Nov 6, 2025: actual 0.73, estimate 0.71, surprise +2.82%, Beat. Q1 2026, reported Mar 5, 2026: actual 1.08, estimate 1.05, surprise +2.86%, Beat. Q2 2026, reported May 7, 2026: actual -0.35, estimate -0.26, surprise -34.62%, Miss. Q3 2026, reported Aug 6, 2026: actual 1.04, estimate 0.95, surprise +9.47%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 0.87, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates93.35M72.82M52.28M31.75MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 13, 2025: actual 42.1M USD, estimate 36M USD, surprise +16.95%, Beat. Q2 2025, reported May 8, 2025: actual 50.5M USD, estimate 41.7M USD, surprise +21.10%, Beat. Q3 2025, reported Aug 7, 2025: actual 52.29M USD, estimate 53.2M USD, surprise -1.70%, Miss. Q4 2025, reported Nov 6, 2025: actual 55.65M USD, estimate 75.3M USD, surprise -26.09%, Miss. Q1 2026, reported Mar 5, 2026: actual 82.75M USD, estimate 83M USD, surprise -0.30%, Miss. Q2 2026, reported May 7, 2026: actual 69.6M USD, estimate 66.9M USD, surprise +4.04%, Beat. Q3 2026, reported Aug 6, 2026: actual 72.49M USD, estimate 71.7M USD, surprise +1.11%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 89.1M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy00%
Buy250%
Hold125%
Sell125%
Strong sell00%

KINS news

seekingalpha.com

Kingstone Companies, Inc. (KINS) Q2 2026 Earnings Call Transcript

Kingstone Companies, Inc. (KINS) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

Kingstone Companies Q2 Earnings Call Highlights

Kingstone Companies NASDAQ: KINS reported its most profitable quarter on record in the second quarter of 2026, supported by premium growth, underwriting profitability, expense leverage and higher investment income. The…

Read source
zacks.com

Kingstone Companies, Inc (KINS) Q2 Earnings Top Estimates

Kingstone Companies, Inc (KINS) came out with quarterly earnings of $1.04 per share, beating the Zacks Consensus Estimate of $0.95 per share. This compares to earnings of $0.75 per share a year ago.

Read source
globenewswire.com

Kingstone Reports Second Quarter 2026 Results

Most Profitable Quarter in Company History Q2 Diluted Net Income Per Share of $1.05 | Q2 Annualized Return on Equity of 50.8% Net Premiums Earned Growth of 31% for Q2 | Direct Premiums Written Growth 1 of 19% for Q2 Q2…

Read source
globenewswire.com

Kingstone Increases Regular Quarterly Cash Dividend by 20% to $0.06 Per Share

KINGSTON, N.Y., July 23, 2026 (GLOBE NEWSWIRE) -- Kingstone Companies, Inc. (Nasdaq: KINS) (“Kingstone” or the “Company”), a regional property and casualty insurance holding company, today announced that its Board of…

Read source
globenewswire.com

Kingstone Schedules Second Quarter 2026 Earnings Release and Conference Call

KINGSTON, N.Y., July 16, 2026 (GLOBE NEWSWIRE) -- Kingstone Companies, Inc. (Nasdaq: KINS) (“Kingstone” or the “Company”), a regional property and casualty insurance holding company, today announced that it will issue…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.16

2021 complete year-47.1% since 2017

2026 partial: $0.16

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 11, 2026

$0.06

Quarterly

Record Aug 11, 2026 · Payment Aug 26, 2026

Dividend

Ex-dividend May 11, 2026

$0.05

Quarterly

Record May 11, 2026 · Payment May 26, 2026

Dividend

Ex-dividend Feb 11, 2026

$0.05

Quarterly

Record Feb 11, 2026 · Payment Feb 26, 2026

Dividend

Ex-dividend Nov 10, 2025

$0.05

Quarterly

Record Nov 11, 2025 · Payment Nov 26, 2025

Dividend

Ex-dividend Aug 11, 2025

$0.05

Quarterly

Record Aug 11, 2025 · Payment Aug 26, 2025

Dividend

Ex-dividend Aug 30, 2022

$0.04

Quarterly

Record Aug 31, 2022 · Payment Sep 15, 2022

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ETFs holding KINS

Funds reporting this stock among their holdings, ordered by reported position size.

Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
7.21M
Weight
0.02%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
7.06M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
6.5M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.74M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.25M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.31M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
First Trust Dow Jones Select MicroCap Index Fund logoFirst Trust Dow Jones Select MicroCap Index FundFDM
Market value
1.27M
Weight
0.30%
AUM
423.22M USD
Expense ratio
0.65%
Price / 1D
$92.96+0.50%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.18M
Weight
0.05%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%

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