What is Kingstone Companies, Inc.'s earnings per share (EPS)?

Kingstone Companies, Inc. (KINS) reported diluted earnings per share of $2.88 for fiscal year 2025. This represents a 94.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Kingstone Companies, Inc. (KINS) Financials

KINS

Trailing 12 months to June 30, 2026

Revenue $237.7M +28.0% YoY

Net Income $35.3M +28.1% YoY

EPS (Diluted) $2.45 +20.7% YoY

Free Cash Flow $83.1M +20.2% YoY

Market Cap $283.2M as of Oct 21, 2026

Price / Sales 1.2x on $237.7M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.0x on $35.3M net income, trailing 12 months to June 30, 2026

Price / Book 2.2x on $129.2M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KINS SEC filings page.

Kingstone Companies, Inc. (KINS) reported $237.7M in revenue over the twelve months to Jun 30, 2026, up 28.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI KINS FY2025 2026-10-04

Kingstone has shifted from losses to profitable, cash-generating growth while relying less on debt to support its expanding balance sheet.

From FY2024 to FY2025, net margin expanded from 11.8% to 19.0%. Operating cash flow also rose from $57.9M to $75.9M, indicating that the earnings improvement was accompanied by cash generation rather than merely accounting profit.

Equity increased from $66.7M in FY2024 to $122.7M in FY2025, strengthening the cushion behind the business. Debt-to-equity was just 0.0x in FY2025, indicating that this larger balance sheet is not being built primarily through reported debt.

Free cash flow moved from -$13.2M in FY2023 to $73.1M in FY2025, making the recent profit recovery more tangible. Capital expenditures were only $2.8M, while investing cash flow was -$92.9M; therefore, most investing activity was not routine property and equipment reinvestment, although its composition is not provided.

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 58/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Kingstone Companies, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Kingstone Companies, Inc. scores 75/100 on it among other insurers.

Premium Growth

n/a

Not available for Kingstone Companies, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Capital

Kingstone Companies, Inc. funded 27.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $122.7M of equity against $453.4M of assets. Capital ranks insurers on that cushion, and Kingstone Companies, Inc. scores 61/100 among other insurers.

Investment Yield

n/a

Not available for Kingstone Companies, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Kingstone Companies, Inc. scores 88/100 on it among other insurers.

Stability

Kingstone Companies, Inc. reported net income of $40.8M in fiscal year 2025, against $18.4M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Kingstone Companies, Inc. scores 7/100 among other insurers.

Piotroski F-Score Partial

6/7

Kingstone Companies, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$65.9M

YoY+25.9%

QoQ+10.2%

5Y CAGR+10.7%

10Y CAGR+13.3%

Kingstone Companies, Inc. generated $65.9M in revenue in Q2 2026. This represents an increase of 25.9% from the same quarter a year earlier. Against the prior quarter it is up 10.2%.

Net Income

$15.5M

YoY+37.5%

QoQn/m

5Y CAGR+63.5%

10Y CAGR+18.5%

Kingstone Companies, Inc. reported $15.5M in net income in Q2 2026. This represents an increase of 37.5% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EPS (Diluted)

$1.05

YoY+34.6%

QoQn/m

5Y CAGR+54.3%

10Y CAGR+11.3%

Kingstone Companies, Inc. earned $1.05 per diluted share (EPS) in Q2 2026. This represents an increase of 34.6% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$27.8M

YoY+220.1%

QoQ+253.3%

5Y CAGR+18.7%

Kingstone Companies, Inc. generated $27.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 220.1% from the same quarter a year earlier. Against the prior quarter it is up 253.3%.

Cash & Debt

$16.9M

YoY-49.8%

QoQ+49.0%

5Y CAGR-17.0%

10Y CAGR+1.5%

Kingstone Companies, Inc. held $16.9M in cash against $2.5M in long-term debt as of Q2 2026.

Dividends Per Share

$0.05

YoYn/m

QoQ0.0%

Kingstone Companies, Inc. paid $0.05 per share in dividends in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. It is unchanged from the prior quarter.

Shares Outstanding

14M

YoY+2.4%

QoQ-0.1%

5Y CAGR+6.5%

10Y CAGR+6.2%

Kingstone Companies, Inc. had 14M shares outstanding in Q2 2026. This represents an increase of 2.4% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

23.5%

YoY+2.0pp

QoQ+33.2pp

5Y change+20.2pp

10Y change+8.5pp

Kingstone Companies, Inc.'s net profit margin was 23.5% in Q2 2026, showing the share of revenue converted to profit. This is up 2.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 33.2 percentage points.

Return on Equity

12.0%

YoY+0.1pp

QoQ+17.1pp

5Y change+10.5pp

10Y change+6.7pp

Kingstone Companies, Inc.'s quarterly ROE was 12.0% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 17.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$908K

YoY+57.4%

QoQ+8.7%

5Y CAGR-4.8%

Kingstone Companies, Inc. invested $908K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 57.4% from the same quarter a year earlier. Against the prior quarter it is up 8.7%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

KINS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KINS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$237.7M	$214.9M+38.5%	$155.1M+7.6%	$144.2M+10.8%	$130.2M-19.3%	$161.2M+22.7%	$131.4M-9.5%	$145.1M+27.6%	$113.8M+22.6%	$92.8M+19.8%	$77.4M+20.7%	$64.2M+28.2%	$50.1M+36.9%	$36.6M+25.8%	$29.1M+5.0%	$27.7M
Interest Expense	$269K	$445K-87.3%	$3.5M-12.2%	$4.0M+98.2%	$2.0M+10.6%	$1.8M0.0%	$1.8M0.0%	$1.8M+0.3%	$1.8M+2919.1%	$60Kn/m	$0	N/A	$0-100.0%	$7K-90.1%	$71K-41.3%	$121K
Income Tax	$9.0M	$10.3M+108.5%	$4.9Mn/m	-$1.2Mn/m	-$5.4Mn/m	-$2.0Mn/m	-$2.3Mn/m	-$1.8Mn/m	-$86K-102.0%	$4.3M-4.3%	$4.5M+34.9%	$3.3M+31.5%	$2.5M+233.3%	$764K+152.3%	$303K-72.2%	$1.1M
Net Income	$35.3M	$40.8M+122.1%	$18.4Mn/m	-$6.2Mn/m	-$22.5Mn/m	-$7.4M-858.8%	$972Kn/m	-$6.0M-292.9%	$3.1M-69.0%	$10.0M+12.2%	$8.9M+27.9%	$7.0M+30.6%	$5.3M+164.8%	$2.0M+162.5%	$767K-69.4%	$2.5M
EPS (Basic)	N/A	$2.93+83.1%	$1.60n/m	-$0.57n/m	-$2.12n/m	-$0.70-877.8%	$0.09n/m	-$0.55-289.7%	$0.29-69.8%	$0.96-16.5%	$1.15+21.1%	$0.95+30.1%	$0.73	$0.51	$0.20-69.2%	$0.65
EPS (Diluted)	$2.45	$2.88+94.6%	$1.48n/m	-$0.57n/m	-$2.12n/m	-$0.70-877.8%	$0.09n/m	-$0.55-289.7%	$0.29-69.1%	$0.94-17.5%	$1.14+21.3%	$0.94+30.6%	$0.72	$0.50	$0.20-68.8%	$0.64
Diluted Shares (Avg)	N/A	14M+13.8%	12M+15.5%	11M+1.0%	11M+0.5%	11M-1.3%	11M-0.4%	11M+0.5%	11M+1.3%	11M+35.5%	8M+5.8%	7M+0.3%	7M	4M	4M-1.3%	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$65.9M+25.9%	$59.8M+18.4%	$56.4M+34.0%	$55.7M+36.5%	$52.3M+43.3%	$50.5M+41.2%	$42.1M+15.0%	$40.8M+19.1%
Interest Expense	$59K-23.7%	$70K-69.3%	$68K-89.2%	$73K-91.9%	$77K-92.2%	$227K-77.1%	$629K-36.9%	$901K-8.9%
Income Tax	$4.0M+38.7%	-$1.6M-290.6%	$3.7M+197.8%	$2.8M+34.6%	$2.9M+141.8%	$836K+121.1%	$1.2M+30.3%	$2.1Mn/m
Net Income	$15.5M+37.5%	-$5.8M-249.6%	$14.8M+171.4%	$10.9M+55.8%	$11.3M+149.2%	$3.9M+172.1%	$5.4M+84.6%	$7.0Mn/m
EPS (Basic)	$1.07+32.1%	-$0.40-237.9%	$1.05+138.6%	$0.77+26.2%	$0.81+97.6%	$0.29+123.1%	$0.44+57.1%	$0.61n/m
EPS (Diluted)	$1.05+34.6%	-$0.40-248.1%	$1.06+146.5%	$0.74+34.5%	$0.78+110.8%	$0.27+125.0%	$0.43+53.6%	$0.55n/m
Diluted Shares (Avg)	15M+2.0%	14M+1.3%	N/A	15M+16.1%	14M+18.8%	14M+21.0%	N/A	13M+17.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

KINS Balance Sheet

KINS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$453.4M+20.9%	$374.9M+18.0%	$317.6M-0.8%	$320.3M-3.3%	$331.3M+4.3%	$317.6M-1.1%	$321.2M+20.4%	$266.8M+4.8%	$254.5M+50.2%	$169.4M+13.6%	$149.1M+10.5%	$135.0M+15.6%	$116.8M+24.9%	$93.5M+34.1%	$69.7M
Cash & Equivalents	$12.2M-57.5%	$28.7M+219.4%	$9.0M-24.9%	$12.0M-50.8%	$24.3M+24.8%	$19.5M-39.9%	$32.4M+53.2%	$21.1M-56.3%	$48.4M+301.7%	$12.0M-11.1%	$13.6M+36.8%	$9.9M-50.3%	$19.9M+789.4%	$2.2M+1193.9%	$173K
Total Liabilities	$330.7M+7.3%	$308.2M+8.9%	$283.1M-0.4%	$284.2M+11.2%	$255.6M+13.7%	$224.8M-3.5%	$233.0M+30.8%	$178.1M+11.3%	$160.0M+41.9%	$112.8M+8.6%	$103.9M+9.9%	$94.5M+16.6%	$81.1M+5.0%	$77.2M+42.0%	$54.4M
Long-Term Debt	$3.1M-27.3%	$4.3M-23.7%	$5.7M-77.5%	$25.2M+45.8%	$17.3M-41.8%	$29.6M+0.6%	$29.5M+0.6%	$29.3M+0.6%	$29.1Mn/m	$0	N/A	N/A	N/A	$1.2M+14.3%	$1.0M
Total Equity	$122.7M+84.0%	$66.7M+93.3%	$34.5M-4.6%	$36.2M-52.2%	$75.7M-18.5%	$92.8M+5.2%	$88.2M-0.5%	$88.7M-6.3%	$94.6M+66.9%	$56.7M+25.2%	$45.3M+11.8%	$40.5M+13.4%	$35.7M+119.3%	$16.3M+6.3%	$15.3M
Retained Earnings	$34.6Mn/m	-$4.8Mn/m	-$23.1Mn/m	-$16.9M-347.2%	$6.9M-57.0%	$15.9M-5.8%	$16.9M-35.9%	$26.4M-2.8%	$27.2M+32.0%	$20.6M+51.1%	$13.6M+65.9%	$8.2M+95.9%	$4.2M+50.2%	$2.8M+9.1%	$2.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$477.9M+21.5%	$465.3M+20.7%	$453.4M+20.9%	$428.6M+23.5%	$393.4M+23.0%	$385.4M+21.1%	$374.9M+18.0%	$347.0M+9.5%
Cash & Equivalents	$16.9M-49.8%	$11.4M-69.7%	$12.2M-57.5%	$26.8M-20.7%	$33.7M+177.0%	$37.5M+1071.8%	$28.7M+219.4%	$33.8M+123.1%
Total Liabilities	$348.8M+16.8%	$350.8M+15.7%	$330.7M+7.3%	$320.9M+11.7%	$298.5M+7.0%	$303.2M+7.3%	$308.2M+8.9%	$287.3M-1.1%
Long-Term Debt	$2.5M-35.1%	$2.8M-31.9%	$3.1M-27.3%	$3.5M-78.9%	$3.8M-85.0%	$4.1M-83.7%	$4.3M-23.7%	$16.4M-34.8%
Total Equity	$129.2M+36.1%	$114.5M+39.3%	$122.7M+84.0%	$107.7M+80.4%	$94.9M+132.5%	$82.2M+130.0%	$66.7M+93.3%	$59.7M+124.9%
Retained Earnings	$42.8M+312.5%	$28.1Mn/m	$34.6Mn/m	$20.5Mn/m	$10.4Mn/m	-$873Kn/m	-$4.8Mn/m	-$10.2Mn/m

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.

KINS Cash Flow Statement

KINS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$86.2M	$75.9M+30.9%	$57.9Mn/m	-$11.3Mn/m	-$916K-103.8%	$24.3Mn/m	-$10.2M-134.3%	$29.9M+33.9%	$22.3M-20.5%	$28.0M+84.5%	$15.2M-25.5%	$20.4M+17.7%	$17.3M+134.8%	$7.4M+15.8%	$6.4M-12.1%	$7.3M
Depreciation & Amortization	N/A	$2.6M+4.5%	$2.4M-17.6%	$3.0M-9.9%	$3.3M+0.3%	$3.3M+14.9%	$2.9M+12.5%	$2.5M+42.5%	$1.8M+27.4%	$1.4M+24.7%	$1.1M+9.0%	$1.0M+18.0%	$875K+35.3%	$646K+8.4%	$596K-1.1%	$603K
Stock-Based Compensation	N/A	$1.5M+7.2%	$1.4M+66.1%	$833K-40.2%	$1.4M-26.9%	$1.9M+7.6%	$1.8M+17.9%	$1.5M+113.7%	$703K+160.0%	$270K+152.8%	$107K-20.3%	$134K-21.9%	$172K+186.7%	$60K+24.2%	$48K-54.4%	$106K
Capital Expenditures	$3.1M	$2.8M+20.1%	$2.3M+27.9%	$1.8M-59.8%	$4.6M+1.2%	$4.5M+35.2%	$3.3M-15.5%	$3.9M+44.2%	$2.7M-3.3%	$2.8M+390.1%	$576K-54.3%	$1.3M+55.9%	$808K	N/A	N/A	N/A
Free Cash Flow	$83.1M	$73.1M+31.4%	$55.6Mn/m	-$13.2Mn/m	-$5.5M-127.5%	$19.8Mn/m	-$13.6M-152.3%	$25.9M+32.5%	$19.6M-22.4%	$25.2M+72.5%	$14.6M-23.6%	$19.1M+15.8%	$16.5M	N/A	N/A	N/A
Investing Cash Flow	-$98.3M	-$92.9Mn/m	-$35.3M-472.7%	$9.5Mn/m	-$5.9Mn/m	-$15.9M-2843.5%	$581Kn/m	-$15.0Mn/m	-$43.4Mn/m	-$47.6Mn/m	-$19.5Mn/m	-$14.9Mn/m	-$26.0Mn/m	-$6.6Mn/m	-$4.0Mn/m	-$6.5M
Financing Cash Flow	-$4.7M	$506Kn/m	-$3.0Mn/m	-$1.1Mn/m	-$5.5Mn/m	-$3.6Mn/m	-$3.3Mn/m	-$3.6Mn/m	-$6.1M-111.0%	$55.9M+1891.4%	$2.8Mn/m	-$1.9Mn/m	-$1.3M-108.0%	$16.9Mn/m	-$347Kn/m	-$881K
Dividends Paid	$2.9M	$1.4Mn/m	$0n/m	$0-100.0%	$1.3M-24.6%	$1.7M-13.4%	$2.0M-44.1%	$3.5M-18.2%	$4.3M+33.1%	$3.2M+65.6%	$1.9M+24.6%	$1.6M+18.6%	$1.3M+114.3%	$612K+14.7%	$534K+131.8%	$230K
Share Buybacks	N/A	N/A	N/A	N/A	$0-100.0%	$1.7M+41.3%	$1.2Mn/m	$0-100.0%	$540K+205.5%	$177K+56.1%	$113K-59.3%	$278K+495.0%	$47K	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$28.7M+209.9%	$8.7M-51.2%	$22.8M-0.8%	$25.9M+19.2%	$9.3M+30.3%	$17.9M+192.8%	$23.0M+419.2%	$21.7M+1631.7%
Depreciation & Amortization	$761K+24.1%	$716K+14.7%	$678K+10.5%	$645K+4.1%	$613K-1.1%	$624K+4.6%	$613K-5.0%	$619K-16.5%
Stock-Based Compensation	N/A	$654K+92.9%	N/A	N/A	N/A	$339K+27.5%	N/A	N/A
Capital Expenditures	$908K+57.4%	$836K-3.2%	$715K+19.5%	$652K-6.9%	$577K+16.0%	$863K+59.6%	$598K+33.8%	$700K+45.4%
Free Cash Flow	$27.8M+220.1%	$7.9M-53.6%	$22.1M-1.4%	$25.3M+20.1%	$8.7M+31.4%	$17.0M+205.8%	$22.4M+462.5%	$21.0M+2619.2%
Investing Cash Flow	-$21.8Mn/m	-$8.2Mn/m	-$36.5Mn/m	-$31.9M-8187.1%	-$12.7M-741.4%	-$11.8Mn/m	-$26.0Mn/m	$394K-78.9%
Financing Cash Flow	-$1.4Mn/m	-$1.3M-147.5%	-$898Kn/m	-$1.0Mn/m	-$382Kn/m	$2.8Mn/m	-$2.0Mn/m	-$549Kn/m
Dividends Paid	$724Kn/m	$722Kn/m	$707Kn/m	$707K	$0	$0	$0n/m	N/A

Not reported in any period shown, so not listed: Share Buybacks.

KINS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KINS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	19.0%+7.1pp	11.8%+16.1pp	-4.3%+13.0pp	-17.3%-12.7pp	-4.6%-5.3pp	0.7%+4.9pp	-4.1%-6.8pp	2.7%-8.0pp	10.8%-0.7pp	11.5%+0.7pp	10.8%+0.2pp	10.7%+5.1pp	5.5%+2.9pp	2.6%-6.4pp	9.0%
Return on Equity	33.2%+5.7pp	27.5%+45.4pp	-17.9%+44.4pp	-62.3%-52.5pp	-9.8%-10.8pp	1.1%+7.8pp	-6.8%-10.3pp	3.5%-7.1pp	10.6%-5.1pp	15.7%+0.3pp	15.4%+2.2pp	13.2%+7.5pp	5.6%+0.9pp	4.7%-11.6pp	16.4%
Return on Assets	9.0%+4.1pp	4.9%+6.8pp	-1.9%+5.1pp	-7.0%-4.8pp	-2.2%-2.5pp	0.3%+2.2pp	-1.9%-3.0pp	1.2%-2.8pp	3.9%-1.3pp	5.3%+0.6pp	4.7%+0.7pp	4.0%+2.2pp	1.7%+0.9pp	0.8%-2.8pp	3.6%
Debt-to-Equity	0.030.0x	0.06-0.1x	0.16-0.5x	0.70+0.5x	0.23-0.1x	0.320.0x	0.330.0x	0.330.0x	0.31+0.3x	0.00	N/A	N/A	N/A	0.070.0x	0.07
Liabilities-to-Equity	2.69-1.9x	4.62-3.6x	8.21+0.3x	7.86+4.5x	3.38+1.0x	2.42-0.2x	2.64+0.6x	2.01+0.3x	1.69-0.3x	1.99-0.3x	2.290.0x	2.33+0.1x	2.27-2.5x	4.74+1.2x	3.55
Asset Turnover	0.47+0.1x	0.410.0x	0.450.0x	0.41-0.1x	0.49+0.1x	0.410.0x	0.450.0x	0.43+0.1x	0.36-0.1x	0.460.0x	0.43+0.1x	0.37+0.1x	0.310.0x	0.31-0.1x	0.40
FCF Margin	34.0%-1.8pp	35.8%+45.0pp	-9.1%-4.9pp	-4.2%-16.5pp	12.3%+22.6pp	-10.3%-28.2pp	17.9%+0.7pp	17.2%-10.0pp	27.2%+8.3pp	18.9%-10.9pp	29.8%-3.2pp	33.0%	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	23.5%+2.0pp	-9.7%-17.4pp	26.2%+13.2pp	19.5%+2.4pp	21.5%+9.2pp	7.7%+3.7pp	12.9%+4.9pp	17.1%+27.4pp
Return on Equity	12.0%+0.1pp	-5.1%-9.8pp	12.0%+3.9pp	10.1%-1.6pp	11.9%+0.8pp	4.7%+0.7pp	8.2%-0.4pp	11.7%+25.0pp
Return on Assets	3.2%+0.4pp	-1.3%-2.3pp	3.3%+1.8pp	2.5%+0.5pp	2.9%+1.5pp	1.0%+0.6pp	1.5%+0.5pp	2.0%+3.1pp
Debt-to-Equity	0.020.0x	0.020.0x	0.030.0x	0.03-0.2x	0.04-0.6x	0.05-0.7x	0.06-0.1x	0.28-0.7x
Liabilities-to-Equity	2.70-0.4x	3.06-0.6x	2.69-1.9x	2.98-1.8x	3.15-3.7x	3.69-4.2x	4.62-3.6x	4.82-6.1x
Asset Turnover	0.140.0x	0.130.0x	0.120.0x	0.130.0x	0.130.0x	0.130.0x	0.110.0x	0.120.0x
FCF Margin	42.3%+25.6pp	13.2%-20.5pp	39.1%-14.0pp	45.4%-6.2pp	16.6%-1.5pp	33.7%+18.1pp	53.2%+42.3pp	51.6%+49.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Kingstone Companies, Inc. KINS	FY2025	$214.9M	$40.8M	19.0%	$283.2M	58/100
NI Holdings, Inc. NODK	FY2025	$285.1M	-$10.4M	-3.6%	$298.3M	47/100
Global Indemnity Group, LLC GBLI	FY2025	$450.1M	$25.3M	5.6%	$351.4M	58/100
American Coastal Insurance Corporation ACIC	FY2025	$335.4M	$106.8M	31.9%	$523.3M	68/100
United Fire Group Inc. UFCS	FY2025	$1.4B	$118.2M	8.5%	$1.5B	50/100
HERITAGE INSURANCE HOLDINGS INC HRTG	FY2025	$847.3M	$195.6M	23.1%	$1.1B	51/100

Where Kingstone Companies, Inc. Ranks

Frequently Asked Questions

What is Kingstone Companies, Inc.'s annual revenue?

Kingstone Companies, Inc. (KINS) reported $214.9M in total revenue for fiscal year 2025. This represents a 38.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Kingstone Companies, Inc.'s revenue growing?

Kingstone Companies, Inc. (KINS) revenue grew by 38.5% year-over-year, from $155.1M to $214.9M in fiscal year 2025.

Is Kingstone Companies, Inc. profitable?

Yes, Kingstone Companies, Inc. (KINS) reported a net income of $35.3M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $40.8M, with a net profit margin of 19.0%.

How much debt does Kingstone Companies, Inc. have?

As of fiscal year 2025, Kingstone Companies, Inc. (KINS) had $12.2M in cash and equivalents against $3.1M in long-term debt.

What is Kingstone Companies, Inc.'s net profit margin?

Kingstone Companies, Inc. (KINS) had a net profit margin of 19.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Kingstone Companies, Inc. pay dividends?

Yes, Kingstone Companies, Inc. (KINS) paid $0.10 per share in dividends during fiscal year 2025.

What is Kingstone Companies, Inc.'s return on equity (ROE)?

Kingstone Companies, Inc. (KINS) has a return on equity of 33.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Kingstone Companies, Inc.'s free cash flow?

Kingstone Companies, Inc. (KINS) generated $73.1M in free cash flow during fiscal year 2025. This represents a 31.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Kingstone Companies, Inc.'s operating cash flow?

Kingstone Companies, Inc. (KINS) generated $75.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Kingstone Companies, Inc.'s total assets?

Kingstone Companies, Inc. (KINS) had $453.4M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Kingstone Companies, Inc.'s capital expenditures?

Kingstone Companies, Inc. (KINS) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Kingstone Companies, Inc. have outstanding?

Kingstone Companies, Inc. (KINS) had 14M shares outstanding as of fiscal year 2025.

What is Kingstone Companies, Inc.'s debt-to-equity ratio?

Kingstone Companies, Inc. (KINS) had a debt-to-equity ratio of 0.03 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Kingstone Companies, Inc.'s liabilities-to-equity ratio?

Kingstone Companies, Inc. (KINS) had a liabilities-to-equity ratio of 2.69 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Kingstone Companies, Inc.'s return on assets (ROA)?

Kingstone Companies, Inc. (KINS) had a return on assets of 9.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Kingstone Companies, Inc.'s P/E ratio?

Kingstone Companies, Inc. (KINS) trades at 8.0x earnings, its market capitalization divided by $35.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $283.2M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Kingstone Companies, Inc.'s price-to-sales ratio?

Kingstone Companies, Inc. (KINS) trades at 1.2x sales, its market capitalization divided by $237.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $283.2M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Kingstone Companies, Inc.'s Piotroski F-Score?

Kingstone Companies, Inc. (KINS) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Kingstone Companies, Inc.?

Kingstone Companies, Inc. (KINS) scores 58 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is the average of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Kingstone Companies, Inc. it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.