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Kingstone Companies (KINS) Financials

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$20.21 -0.06 (-0.30%)
Closing price 07/10/2026 04:00 PM Eastern
Extended Trading
$20.22 +0.01 (+0.05%)
As of 07/10/2026 06:52 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Kingstone Companies

Annual Income Statements for Kingstone Companies

This table shows Kingstone Companies' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.96 8.90 9.99 3.09 -5.97 0.97 -7.38 -23 -6.17 18 41
Consolidated Net Income / (Loss)		 6.96 8.90 9.99 3.09 -5.97 6.08 -7.38 -23 -6.17 18 41
Net Income / (Loss) Continuing Operations		 6.96 8.90 9.99 3.09 -5.97 6.08 -7.38 -23 -6.17 18 41
Total Pre-Tax Income 		10 13 14 3.01 -7.78 -1.29 -9.41 -28 -7.37 23 51
Total Revenue		 64 77 93 112 143 131 159 128 140 152 214
Net Interest Income / (Expense)		 0.00 0.00 -0.06 -1.82 -1.83 -1.83 -1.83 -2.02 -4.00 -3.51 -0.45
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.06 1.82 1.83 1.83 1.83 2.02 4.00 3.51 0.45
Long-Term Debt Interest Expense		 - 0.00 0.06 1.82 1.83 1.83 1.83 2.02 4.00 3.51 0.45
Total Non-Interest Income		 64 77 93 114 145 136 161 130 144 155 215
Other Service Charges		 13 12 1.27 1.33 1.39 15 0.94 20 22 19 16
Net Realized & Unrealized Capital Gains on Investments		 2.51 3.65 4.22 3.69 11 13 16 -4.46 8.14 7.24 11
Premiums Earned		 49 61 77 103 128 108 144 114 114 128 187
Total Non-Interest Expense		 54 64 78 109 151 131 169 156 148 128 163
Salaries and Employee Benefits		 15 18 21 25 30 32 33 35 33 34 41
Insurance Policy Acquisition Costs		 13 15 18 21 24 25 26 27 26 26 32
Current and Future Benefits		 - - - - 90 66 102 88 83 63 84
Other Operating Expenses		 1.50 1.91 3.51 2.58 3.83 4.28 4.18 3.11 2.46 3.63 4.11
Depreciation Expense		 1.03 1.12 1.40 1.79 2.55 2.86 3.29 3.30 2.97 2.45 2.56
Income Tax Expense		 3.35 4.52 4.32 -0.09 -1.82 -2.26 -2.03 -5.42 -1.20 4.93 10
Basic Earnings per Share		 $0.95 $1.15 $0.96 $0.29 ($0.55) $0.09 ($0.70) ($2.12) ($0.57) $1.60 $2.93
Weighted Average Basic Shares Outstanding		 7.33M 7.74M 10.39M 10.69M 10.77M 10.72M 10.59M 10.65M 10.76M 11.48M 13.93M
Diluted Earnings per Share		 $0.94 $1.14 $0.94 $0.29 ($0.55) $0.09 ($0.70) ($2.12) ($0.57) $1.48 $2.88
Weighted Average Diluted Shares Outstanding		 7.38M 7.81M 10.58M 10.72M 10.77M 10.73M 10.59M 10.65M 10.76M 12.42M 14.14M
Weighted Average Basic & Diluted Shares Outstanding		 7.32M 0.00 10.68M 10.76M 10.80M 10.70M 10.64M 10.76M 11.01M 13.73M 14.48M
Cash Dividends to Common per Share		 - - - - $0.33 $0.18 $0.16 $0.12 $0.00 $0.00 $0.10

Quarterly Income Statements for Kingstone Companies

This table shows Kingstone Companies' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -3.54 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.81
Consolidated Net Income / (Loss)		 -3.54 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.81
Net Income / (Loss) Continuing Operations		 -3.54 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.81
Total Pre-Tax Income 		-4.40 3.90 1.80 5.72 9.08 6.68 4.72 14 14 18 -7.40
Total Revenue		 33 36 35 36 40 41 50 52 56 56 60
Net Interest Income / (Expense)		 -0.99 -1.00 -0.99 -0.99 -0.90 -0.63 -0.23 -0.08 -0.07 -0.30 -0.07
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 0.99 1.00 0.99 0.99 0.90 0.63 0.23 0.08 0.07 0.30 0.07
Long-Term Debt Interest Expense		 0.99 1.00 0.99 0.99 0.90 0.63 0.23 0.08 0.07 - 0.07
Total Non-Interest Income		 34 37 36 37 41 42 50 52 56 56 60
Other Service Charges		 5.68 4.82 4.72 4.67 4.89 5.13 3.10 3.23 5.05 7.87 1.58
Net Realized & Unrealized Capital Gains on Investments		 0.62 3.11 2.23 1.53 2.48 1.00 3.88 2.85 2.68 2.05 2.32
Premiums Earned		 28 29 29 30 33 36 44 46 48 49 56
Total Non-Interest Expense		 38 32 33 30 31 35 46 38 42 38 67
Salaries and Employee Benefits		 8.21 8.14 7.85 8.23 9.00 8.84 9.31 11 10 10 10
Insurance Policy Acquisition Costs		 6.32 6.04 5.88 5.90 6.89 7.02 7.41 7.73 8.36 8.23 8.36
Current and Future Benefits		 22 16 18 14 13 18 27 18 21 - 46
Other Operating Expenses		 0.44 0.59 0.78 0.80 1.24 0.81 1.04 1.15 1.33 -27 2.26
Depreciation Expense		 0.74 0.65 0.60 0.62 0.62 0.61 0.62 0.61 0.64 0.68 0.72
Income Tax Expense		 -0.86 0.95 0.38 1.21 2.11 1.24 0.84 2.91 2.83 3.69 -1.59
Basic Earnings per Share		 ($0.33) $0.28 $0.13 $0.41 $0.61 $0.45 $0.29 $0.81 $0.77 $1.06 ($0.40)
Weighted Average Basic Shares Outstanding		 10.76M 10.76M 11.00M 11.02M 11.40M 11.48M 13.47M 13.93M 14.14M 13.93M 14.45M
Diluted Earnings per Share		 ($0.33) $0.28 $0.12 $0.37 $0.55 $0.44 $0.27 $0.78 $0.74 $1.09 ($0.40)
Weighted Average Diluted Shares Outstanding		 10.76M 10.76M 11.79M 12.11M 12.58M 12.42M 14.27M 14.39M 14.60M 14.14M 14.45M
Weighted Average Basic & Diluted Shares Outstanding		 10.76M 11.01M 11.01M 11.06M 12.35M 13.73M 14.01M 14.14M 14.15M 14.48M 14.48M
Cash Dividends to Common per Share		 $0.00 - - - - - $0.00 - $0.05 - $0.05

Annual Cash Flow Statements for Kingstone Companies

This table details how cash moves in and out of Kingstone Companies' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 3.64 -1.51 36 -27 11 -1.82 4.83 -12 -2.98 20 -16
Net Cash From Operating Activities		 20 15 28 22 30 -10 24 -0.92 -11 58 76
Net Cash From Continuing Operating Activities		 15 24 32 25 73 1.38 38 -0.92 -11 58 76
Net Income / (Loss) Continuing Operations		 6.96 8.90 9.99 3.09 -5.97 0.97 -7.38 -23 -6.17 18 41
Consolidated Net Income / (Loss)		 6.96 8.90 9.99 3.09 -5.97 0.97 -7.38 -23 -6.17 18 41
Provision For Loan Losses		 - - - -0.25 - - 0.16 0.13 0.08 0.12 0.60
Depreciation Expense		 1.03 1.12 1.40 1.79 2.55 2.86 3.29 3.30 2.97 2.45 2.56
Amortization Expense		 0.32 0.45 0.55 0.54 0.59 0.79 0.44 4.23 1.15 0.47 0.05
Non-Cash Adjustments to Reconcile Net Income		 -0.07 -0.49 0.24 3.82 -3.88 3.00 9.52 5.51 -2.50 6.19 -0.20
Changes in Operating Assets and Liabilities, net		 12 5.22 16 13 37 -6.25 32 8.44 -6.86 30 32
Net Cash From Investing Activities		 -15 -20 -48 -43 -15 0.58 -16 -5.91 9.46 -35 -93
Net Cash From Continuing Investing Activities		 -15 -20 -48 -43 -15 0.08 -16 -5.91 9.46 -35 -93
Purchase of Property, Leasehold Improvements and Equipment		 -1.26 -0.58 -2.82 -2.73 - -3.33 -4.50 -4.55 -1.83 -2.34 -2.81
Purchase of Investment Securities		 -23 -44 -60 -72 -37 -44 -116 -50 -51 -165 -154
Sale and/or Maturity of Investments		 9.28 25 15 31 22 47 104 49 63 132 64
Net Cash From Financing Activities		 -1.86 2.81 56 -6.14 -3.63 -3.27 -3.57 -5.51 -1.12 -2.99 0.51
Net Cash From Continuing Financing Activities		 -1.86 2.81 56 -6.14 -3.63 -3.27 -3.16 -5.51 -1.12 -2.99 0.51
Issuance of Common Equity		 0.00 4.81 30 - - - 0.00 0.06 0.00 14 9.47
Repayment of Debt		 - - - - - - 0.00 -12 0.00 -14 -5.95
Payment of Dividends		 -1.56 -1.94 -3.21 -4.28 -3.50 -1.96 -1.69 -1.28 - 0.00 -1.41
Other Financing Activities, Net		 -0.02 0.05 0.05 -1.32 -0.13 -0.13 0.21 7.51 -1.12 -2.40 -1.60
Cash Interest Paid		 - - 0.00 1.70 1.65 1.65 1.65 1.60 2.93 2.52 1.59
Cash Income Taxes Paid		 3.60 6.03 5.77 2.20 0.39 0.38 0.00 0.00 0.00 0.00 8.03

Quarterly Cash Flow Statements for Kingstone Companies

This table details how cash moves in and out of Kingstone Companies' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 2.85 -6.16 -5.78 8.97 22 -5.09 8.82 -3.78 -6.94 -15 -0.82
Net Cash From Operating Activities		 1.26 4.43 6.10 7.12 22 23 18 9.27 26 23 8.71
Net Cash From Continuing Operating Activities		 -9.86 4.43 6.10 7.12 22 23 18 9.27 26 23 8.71
Net Income / (Loss) Continuing Operations		 -15 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.81
Consolidated Net Income / (Loss)		 -15 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.81
Provision For Loan Losses		 - - 0.01 0.04 0.03 - 0.04 0.03 0.03 0.50 0.03
Depreciation Expense		 0.74 0.65 0.60 0.62 0.62 0.61 0.62 0.61 0.64 0.68 0.72
Amortization Expense		 0.47 0.14 0.24 -0.00 0.03 0.21 0.07 -0.03 0.00 0.01 0.00
Non-Cash Adjustments to Reconcile Net Income		 0.00 -3.90 -0.08 1.72 1.94 1.02 -1.44 -0.32 0.64 0.92 0.08
Changes in Operating Assets and Liabilities, net		 3.62 4.52 3.91 0.22 12 16 15 -2.26 14 5.92 14
Net Cash From Investing Activities		 1.86 -10 -12 1.98 0.39 -26 -12 -13 -32 -36 -8.20
Net Cash From Continuing Investing Activities		 2.36 -10 -12 1.98 0.39 -26 -12 -13 -32 -36 -8.20
Purchase of Property, Leasehold Improvements and Equipment		 -0.48 -0.45 -0.54 -0.50 -0.70 -0.60 -0.86 -0.58 -0.65 -0.71 -0.84
Purchase of Investment Securities		 - -38 -46 -35 -46 -39 -21 -26 -41 -66 -13
Sale and/or Maturity of Investments		 2.85 28 35 37 47 14 10 14 10 30 6.11
Net Cash From Financing Activities		 -0.27 -0.29 -0.29 -0.12 -0.55 -2.04 2.81 -0.38 -1.02 -0.90 -1.33
Net Cash From Continuing Financing Activities		 -0.27 -0.29 -0.29 -0.12 -0.55 -2.04 2.81 -0.38 -1.02 -0.90 -1.33
Issuance of Common Equity		 - - 0.00 0.17 8.90 4.54 9.55 -0.06 -0.01 - 0.00
Repayment of Debt		 0.54 0.01 0.00 - -8.20 -6.00 -5.95 0.30 -0.91 0.91 0.00
Payment of Dividends		 - - - - - - 0.00 - - -0.71 -0.72
Other Financing Activities, Net		 -0.81 -0.30 -0.29 -0.29 -1.24 -0.58 -0.79 -0.62 0.61 -1.10 -0.61
Cash Interest Paid		 -0.10 1.30 0.10 1.29 0.31 0.83 1.37 - 0.15 0.07 0.06
Cash Income Taxes Paid		 - - 0.00 - - - 0.00 1.35 4.47 2.21 0.00

Annual Balance Sheets for Kingstone Companies

This table presents Kingstone Companies' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 149 169 255 267 321 318 331 320 318 375 453
Cash and Due from Banks		 14 12 48 21 32 19 24 12 8.98 29 12
Trading Account Securities		 77 96 139 173 197 199 206 176 171 204 305
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 3.15 3.01 4.77 6.06 7.62 8.08 9.29 11 9.40 9.28 7.90
Unearned Premiums Asset		 11 12 13 14 13 12 12 14 14 22 23
Deferred Acquisition Cost		 11 12 15 18 21 20 22 24 20 25 28
Intangible Assets		 1.76 1.35 1.01 0.67 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Other Assets		 32 34 33 34 51 58 57 83 95 86 77
Total Liabilities & Shareholders' Equity		 149 169 255 267 321 318 331 320 318 375 453
Total Liabilities		 104 113 160 178 233 225 256 284 283 308 331
Other Short-Term Payables		 4.83 5.45 7.49 6.82 - 8.43 - 6.65 4.35 11 11
Long-Term Debt		 - 0.00 29 29 29 - 30 25 25 11 4.44
Claims and Claim Expense		 - - - - - - - - 122 126 141
Unearned Premiums Liability		 50 56 67 81 94 93 100 110 109 138 158
Other Long-Term Liabilities		 9.06 9.16 7.43 4.64 29 11 30 24 22 22 16
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 45 57 95 89 88 93 76 36 35 67 123
Total Preferred & Common Equity		 45 57 95 89 88 93 76 36 35 67 123
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 45 57 95 89 88 93 76 36 35 67 123
Common Stock		 33 38 68 68 69 71 0.12 0.12 0.12 0.14 0.16
Retained Earnings		 14 21 27 26 17 16 6.86 -17 -23 -4.76 35
Treasury Stock		 -1.88 -2.00 -2.17 -2.71 -2.71 -3.90 -5.57 -5.57 -5.57 -5.57 -5.57
Accumulated Other Comprehensive Income / (Loss)		 0.48 0.07 1.10 -2.88 4.77 9.88 1.80 -16 -12 -12 -6.08
Other Equity Adjustments		 - - - - - - 72 75 75 89 100

Quarterly Balance Sheets for Kingstone Companies

This table presents Kingstone Companies' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 317 318 320 347 385 393 429 465
Cash and Due from Banks		 15 3.20 12 34 37 34 27 11
Trading Account Securities		 154 182 179 184 221 235 269 310
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 9.59 9.34 9.22 9.30 7.89 7.85 7.86 8.02
Unearned Premiums Asset		 13 14 15 18 17 21 20 24
Deferred Acquisition Cost		 21 19 20 22 24 24 25 28
Intangible Assets		 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Other Assets		 104 90 84 80 77 72 79 84
Total Liabilities & Shareholders' Equity		 317 318 320 347 385 393 429 465
Total Liabilities		 290 283 279 287 303 299 321 351
Other Short-Term Payables		 4.45 5.17 4.98 7.75 12 7.98 12 4.98
Long-Term Debt		 25 25 25 17 5.36 5.06 4.75 4.12
Claims and Claim Expense		 - - - 117 135 134 141 172
Unearned Premiums Liability		 109 110 112 125 136 136 148 160
Other Long-Term Liabilities		 30 20 20 20 14 16 15 10
Commitments & Contingencies		 - 0.00 - 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 27 36 41 60 82 95 108 115
Total Preferred & Common Equity		 27 36 41 60 82 95 108 115
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 27 36 41 60 82 95 108 115
Common Stock		 0.12 0.12 0.13 0.14 0.15 0.16 0.16 0.16
Retained Earnings		 -26 -22 -17 -10 -0.87 10 21 28
Treasury Stock		 -5.57 -5.57 -5.57 -5.57 -5.57 -5.57 -5.57 -5.57
Accumulated Other Comprehensive Income / (Loss)		 -17 -13 -13 -9.04 -9.95 -8.93 -6.74 -8.14
Other Equity Adjustments		 75 76 76 84 98 99 99 100

Annual Metrics And Ratios for Kingstone Companies

This table displays calculated financial ratios and metrics derived from Kingstone Companies' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,335,110.00 7,913,366.00 10,626.00 10,702,928.00 10,785,069.00 10,701,407.00 10,483,132.00 10,684,499.00 10,759,330.00 - 14,147,428.00
DEI Adjusted Shares Outstanding		 7,335,110.00 7,913,366.00 10,626.00 10,702,928.00 10,785,069.00 10,701,407.00 10,483,132.00 10,684,499.00 10,759,330.00 - 14,147,428.00
DEI Earnings Per Adjusted Shares Outstanding		 0.95 1.12 939.82 0.29 -0.55 0.57 -0.70 -2.11 -0.57 - 2.88
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 28.22% 20.66% 19.72% 20.75% 28.00% -8.32% 21.34% -19.61% 9.40% 8.16% 41.41%
EBITDA Growth		 29.45% 28.53% 8.50% -67.20% -187.03% 190.31% -235.51% -259.28% 84.12% 908.52% 104.74%
EBIT Growth		 30.90% 30.16% 6.64% -78.99% -358.81% 106.92% -1,847.76% -196.96% 73.64% 416.18% 119.19%
NOPAT Growth		 30.61% 27.88% 12.21% -69.03% -276.12% 83.45% -630.65% -196.96% 73.64% 456.07% 122.06%
Net Income Growth		 30.61% 27.88% 12.21% -69.03% -292.88% 201.96% -221.28% -205.28% 72.62% 397.62% 122.06%
EPS Growth		 30.56% 21.28% -17.54% -69.15% -289.66% 116.36% -877.78% -202.86% 73.11% 359.65% 94.59%
Operating Cash Flow Growth		 17.71% -25.49% 84.50% -20.50% 33.92% -134.28% 337.88% -103.76% -1,137.20% 611.60% 30.91%
Free Cash Flow Firm Growth		 306.62% -214.67% -2,178.26% 115.49% -158.62% -9.20% 283.25% 137.41% -114.53% 106.33% -3,867.95%
Invested Capital Growth		 11.79% 25.19% 118.25% -4.64% -0.23% 4.04% -13.84% -41.87% -2.58% 30.35% 63.29%
Revenue Q/Q Growth		 3.89% 3.88% 6.27% 3.19% 4.84% 1.63% 2.81% -4.67% -0.27% 4.02% 7.33%
EBITDA Q/Q Growth		 1.09% 3.74% -4.52% -39.08% 40.04% 401.76% -49.39% -35.55% 65.22% 12.04% 27.71%
EBIT Q/Q Growth		 0.65% 3.55% -5.73% -54.07% 27.14% 119.70% -25.20% -43.02% 55.78% 13.56% 29.99%
NOPAT Q/Q Growth		 1.30% 2.34% -1.23% -47.61% 27.14% 28.72% 8.36% -39.76% 54.53% 15.71% 29.64%
Net Income Q/Q Growth		 1.30% 2.34% -1.23% -47.61% 28.12% 1,098.54% -405.87% -37.79% 52.78% 15.71% 29.64%
EPS Q/Q Growth		 1.08% 2.70% -9.62% -46.30% 27.63% 280.00% -9.38% -37.66% 52.89% 12.12% 29.15%
Operating Cash Flow Q/Q Growth		 3.33% -28.13% 24.01% -12.06% 26.33% -1,295.52% -14.00% 92.77% -29.47% 47.12% -0.25%
Free Cash Flow Firm Q/Q Growth		 18.07% 36.60% -110.95% 142.29% -71.35% -40.75% 151.66% -0.73% -162.36% 102.42% -113.52%
Invested Capital Q/Q Growth		 2.85% 0.02% 31.86% -2.20% 1.32% 2.97% -1.97% -10.89% 15.45% 1.19% 13.14%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 18.18% 19.36% 17.55% 4.77% -3.24% 3.19% -3.56% -15.93% -2.31% 17.28% 25.02%
EBIT Margin		 16.06% 17.33% 15.44% 2.69% -5.43% 0.41% -5.90% -21.81% -5.25% 15.36% 23.81%
Profit (Net Income) Margin		 10.84% 11.49% 10.77% 2.76% -4.16% 4.63% -4.63% -17.58% -4.40% 12.11% 19.01%
Tax Burden Percent		 67.51% 66.32% 69.79% 102.87% 76.66% -472.40% 78.41% 80.61% 83.75% 78.83% 79.86%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% -239.21% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 32.49% 33.68% 30.21% -2.87% 0.00% 0.00% 0.00% 0.00% 0.00% 21.17% 20.14%
Return on Invested Capital (ROIC)		 16.23% 17.46% 11.07% 2.56% -4.62% -0.75% -5.78% -23.45% -8.52% 26.68% 39.76%
ROIC Less NNEP Spread (ROIC-NNEP)		 16.23% 0.00% 11.07% 2.56% -6.39% 22.88% -8.44% -34.24% -12.53% 26.68% 39.76%
Return on Net Nonoperating Assets (RNNOA)		 -0.59% 0.00% 2.13% 0.82% -2.12% 7.47% -2.98% -16.83% -8.94% 9.60% 3.28%
Return on Equity (ROE)		 15.64% 0.00% 13.20% 3.38% -6.75% 6.72% -8.76% -40.28% -17.46% 36.28% 43.04%
Cash Return on Invested Capital (CROIC)		 5.09% -4.91% -63.24% 7.31% -4.40% -4.71% 9.09% 29.50% -5.91% 0.33% -8.31%
Operating Return on Assets (OROA)		 7.26% 8.42% 6.75% 1.15% -2.65% 0.17% -2.90% -8.58% -2.31% 6.73% 12.32%
Return on Assets (ROA)		 4.90% 5.59% 4.71% 1.19% -2.03% 1.90% -2.27% -6.91% -1.93% 5.30% 9.84%
Return on Common Equity (ROCE)		 15.64% 0.00% 13.20% 3.38% -6.75% 6.72% -8.76% -40.28% -17.46% 36.28% 43.04%
Return on Equity Simple (ROE_SIMPLE)		 15.37% 15.70% 10.56% 3.49% -6.76% 6.56% -9.75% -62.28% -17.88% 27.52% 33.22%
Net Operating Profit after Tax (NOPAT)		 6.96 8.90 9.99 3.09 -5.45 -0.90 -6.59 -20 -5.16 18 41
NOPAT Margin		 10.84% 11.49% 10.77% 2.76% -3.80% -0.69% -4.13% -15.26% -3.68% 12.11% 19.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 1.76% -23.63% 2.66% 10.79% 4.02% 0.00% 0.00%
SG&A Expenses to Revenue		 23.87% 23.67% 22.85% 22.64% 21.00% 24.23% 20.77% 26.99% 23.80% 22.38% 18.99%
Operating Expenses to Revenue		 83.94% 82.67% 84.56% 97.31% 105.43% 99.59% 105.90% 121.81% 105.25% 84.64% 76.19%
Earnings before Interest and Taxes (EBIT)		 10 13 14 3.01 -7.78 0.54 -9.41 -28 -7.37 23 51
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 12 15 16 5.34 -4.64 4.19 -5.68 -20 -3.24 26 54
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.22 1.64 0.00 1.91 0.87 0.73 0.67 0.40 0.66 2.81 1.93
Price to Tangible Book Value (P/TBV)		 1.27 1.68 0.00 1.92 0.88 0.73 0.68 0.40 0.67 2.83 1.94
Price to Revenue (P/Rev)		 0.86 1.20 0.00 1.51 0.54 0.51 0.32 0.11 0.16 1.24 1.11
Price to Earnings (P/E)		 7.91 10.47 0.02 54.64 0.00 69.39 0.00 0.00 0.00 10.22 5.82
Dividend Yield		 2.83% 2.12% 1.84% 2.53% 4.55% 2.89% 3.29% 11.85% 0.00% 0.00% 0.60%
Earnings Yield		 12.64% 9.55% 5,725.53% 1.83% 0.00% 1.44% 0.00% 0.00% 0.00% 9.79% 17.17%
Enterprise Value to Invested Capital (EV/IC)		 0.92 1.43 0.00 1.50 0.63 0.63 0.54 0.45 0.66 2.18 1.81
Enterprise Value to Revenue (EV/Rev)		 0.65 1.05 0.00 1.58 0.52 0.59 0.35 0.22 0.28 1.12 1.07
Enterprise Value to EBITDA (EV/EBITDA)		 3.56 5.41 0.00 33.20 0.00 18.52 0.00 0.00 0.00 6.49 4.28
Enterprise Value to EBIT (EV/EBIT)		 4.03 6.05 0.00 58.91 0.00 144.24 0.00 0.00 0.00 7.30 4.50
Enterprise Value to NOPAT (EV/NOPAT)		 5.96 9.12 0.00 57.27 0.00 0.00 0.00 0.00 0.00 9.26 5.63
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.03 5.34 0.00 7.95 2.48 0.00 2.32 0.00 0.00 2.94 3.03
Enterprise Value to Free Cash Flow (EV/FCFF)		 19.01 0.00 0.00 20.05 0.00 0.00 5.46 1.12 0.00 751.81 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.31 0.33 0.33 0.32 0.39 0.70 0.73 0.17 0.04
Long-Term Debt to Equity		 0.00 0.00 0.31 0.33 0.33 0.00 0.39 0.70 0.73 0.17 0.04
Financial Leverage		 -0.04 0.00 0.19 0.32 0.33 0.33 0.35 0.49 0.71 0.36 0.08
Leverage Ratio		 3.19 3.12 2.80 2.84 3.32 3.53 3.85 5.83 9.03 6.84 4.37
Compound Leverage Factor		 3.19 3.12 2.80 2.84 3.32 -8.44 3.85 5.83 9.03 6.84 4.37
Debt to Total Capital		 0.00% 0.00% 23.55% 24.83% 25.04% 24.21% 28.27% 41.02% 42.25% 14.34% 3.49%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 24.21% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 23.55% 24.83% 25.04% 0.00% 28.27% 41.02% 42.25% 14.34% 3.49%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 76.45% 75.17% 74.96% 75.79% 71.73% 58.98% 57.75% 85.66% 96.51%
Debt to EBITDA		 0.00 0.00 1.79 5.49 -6.35 7.07 -5.25 -1.23 -7.79 0.43 0.08
Net Debt to EBITDA		 0.00 0.00 -1.18 1.53 0.63 2.43 -0.97 -0.65 -5.02 -0.67 -0.14
Long-Term Debt to EBITDA		 0.00 0.00 1.79 5.49 -6.35 0.00 -5.25 -1.23 -7.79 0.43 0.08
Debt to NOPAT		 0.00 0.00 2.92 9.47 -5.41 -32.89 -4.53 -1.29 -4.90 0.61 0.11
Net Debt to NOPAT		 0.00 0.00 -1.93 2.64 0.54 -11.30 -0.84 -0.67 -3.16 -0.95 -0.19
Long-Term Debt to NOPAT		 0.00 0.00 2.92 9.47 -5.41 0.00 -4.53 -1.29 -4.90 0.61 0.11
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2.18 -2.50 -57 8.84 -5.18 -5.66 10 25 -3.58 0.23 -8.52
Operating Cash Flow to CapEx		 1,618.53% 2,638.10% 993.09% 816.23% 0.00% -307.62% 541.16% -20.12% -619.90% 2,479.36% 2,701.98%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -945.35 4.85 -2.84 -3.10 5.68 12.19 -0.89 0.06 -19.15
Operating Cash Flow to Interest Expense		 0.00 0.00 464.84 12.24 16.35 -5.60 13.33 -0.45 -2.83 16.49 170.39
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 418.03 10.74 16.35 -7.43 10.87 -2.71 -3.29 15.83 164.08
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.45 0.49 0.44 0.43 0.49 0.41 0.49 0.39 0.44 0.44 0.52
Fixed Asset Turnover		 22.92 25.13 23.82 20.68 20.95 16.73 18.35 12.92 14.06 16.23 24.96
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 45 57 124 118 118 122 105 61 60 78 127
Invested Capital Turnover		 1.50 1.52 1.03 0.93 1.22 1.09 1.40 1.54 2.32 2.20 2.09
Increase / (Decrease) in Invested Capital		 4.78 11 67 -5.74 -0.27 4.76 -17 -44 -1.58 18 49
Enterprise Value (EV)		 42 81 -19 177 74 78 57 28 39 170 230
Market Capitalization		 55 93 0.17 169 77 67 51 14 23 188 237
Book Value per Share		 $6.17 $7.16 $8,900.60 $8.28 $8.18 $8.69 $7.22 $3.39 $3.21 $5.81 $8.68
Tangible Book Value per Share		 $5.93 $6.99 $8,805.55 $8.22 $8.13 $8.65 $7.17 $3.34 $3.16 $5.77 $8.64
Total Capital		 45 57 124 118 118 122 105 61 60 78 127
Total Debt		 0.00 0.00 29 29 29 30 30 25 25 11 4.44
Total Long-Term Debt		 0.00 0.00 29 29 29 0.00 30 25 25 11 4.44
Net Debt		 -14 -12 -19 8.16 -2.92 10 5.53 13 16 -17 -7.74
Capital Expenditures (CapEx)		 1.26 0.58 2.82 2.73 0.00 3.33 4.50 4.55 1.83 2.34 2.81
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.52 -6.99 0.79 2.97 1.01 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 29 29 29 30 30 25 25 11 4.44
Total Depreciation and Amortization (D&A)		 1.36 1.57 1.96 2.33 3.14 3.66 3.73 7.53 4.12 2.92 2.61
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.95 $1.15 $0.96 $0.29 ($0.55) $0.09 ($0.70) ($2.12) ($0.57) $1.60 $2.93
Adjusted Weighted Average Basic Shares Outstanding		 7.33M 7.74M 10.39M 10.69M 10.77M 10.72M 10.59M 10.65M 10.76M 11.48M 13.93M
Adjusted Diluted Earnings per Share		 $0.94 $1.14 $0.94 $0.29 ($0.55) $0.09 ($0.70) ($2.12) ($0.57) $1.48 $2.88
Adjusted Weighted Average Diluted Shares Outstanding		 7.38M 7.81M 10.58M 10.72M 10.77M 10.73M 10.59M 10.65M 10.76M 12.42M 14.14M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 ($0.55) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.32M 0.00 10.68M 10.76M 10.80M 10.70M 10.64M 10.76M 11.01M 13.73M 14.48M
Normalized Net Operating Profit after Tax (NOPAT)		 6.96 8.90 9.99 2.10 -5.45 -0.90 -6.59 -20 -5.16 18 41
Normalized NOPAT Margin		 10.84% 11.49% 10.77% 1.88% -3.80% -0.69% -4.13% -15.26% -3.68% 12.11% 19.01%
Pre Tax Income Margin		 16.06% 17.33% 15.44% 2.69% -5.43% -0.98% -5.90% -21.81% -5.25% 15.36% 23.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 237.17 1.65 -4.26 0.29 -5.15 -13.84 -1.84 6.63 114.65
NOPAT to Interest Expense		 0.00 0.00 165.52 1.70 -2.98 -0.49 -3.61 -9.69 -1.29 5.22 91.57
EBIT Less CapEx to Interest Expense		 0.00 0.00 190.36 0.15 -4.26 -1.53 -7.62 -16.09 -2.30 5.96 108.35
NOPAT Less CapEx to Interest Expense		 0.00 0.00 118.71 0.20 -2.98 -2.32 -6.07 -11.94 -1.74 4.56 85.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.38% 21.81% 32.19% 138.35% -58.69% 32.17% -22.96% -5.67% 0.00% 0.00% 3.47%
Augmented Payout Ratio		 26.37% 23.09% 33.96% 155.82% -58.69% 51.62% -45.62% -5.67% 0.00% 0.00% 3.47%

Quarterly Metrics And Ratios for Kingstone Companies

This table displays calculated financial ratios and metrics derived from Kingstone Companies' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 10,756,156.00 10,759,330.00 11,007,824.00 11,008,036.00 11,064,723.00 - 13,730,802.00 14,005,797.00 14,140,604.00 14,147,428.00 14,476,825.00
DEI Adjusted Shares Outstanding		 10,756,156.00 10,759,330.00 11,007,824.00 11,008,036.00 11,064,723.00 - 13,730,802.00 14,005,797.00 14,140,604.00 14,147,428.00 14,476,825.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.33 0.27 0.13 0.41 0.63 - 0.28 0.80 0.77 1.04 -0.40
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.44% -1.05% -2.38% -0.56% 19.92% 16.47% 44.58% 47.04% 39.40% 35.33% 18.77%
EBITDA Growth		 -24.55% 436.68% 150.36% 1,171.71% 405.15% 60.09% 105.18% 132.72% 47.50% 155.20% -223.55%
EBIT Growth		 -7.16% 172.30% 128.63% 1,115.25% 306.62% 71.34% 161.45% 147.66% 50.88% 176.30% -256.86%
NOPAT Growth		 3.57% 185.28% 132.33% 1,244.77% 326.74% 84.62% 172.15% 149.22% 55.81% 171.38% -233.44%
Net Income Growth		 11.51% 174.58% 128.22% 964.90% 297.26% 84.62% 172.15% 149.22% 55.81% 171.38% -249.59%
EPS Growth		 13.16% 177.78% 125.53% 840.00% 266.67% 57.14% 125.00% 110.81% 34.55% 147.73% -248.15%
Operating Cash Flow Growth		 -78.33% -36.80% 281.13% 152.16% 1,631.75% 419.21% 192.83% 30.32% 19.25% -0.83% -51.20%
Free Cash Flow Firm Growth		 -60.68% -88.88% -104.41% -122.10% -230.30% -380.44% -1,919.22% -429.66% -34.71% -172.04% -59.74%
Invested Capital Growth		 -24.81% -2.58% 4.36% 15.33% 48.72% 30.35% 43.55% 51.26% 46.04% 63.29% 35.46%
Revenue Q/Q Growth		 -6.91% 7.10% -2.35% 2.13% 12.27% 4.02% 21.21% 3.40% 6.44% 0.98% 6.38%
EBITDA Q/Q Growth		 -740.00% 246.95% -43.73% 140.29% 53.57% -22.91% -27.88% 172.54% -2.67% 33.39% -134.92%
EBIT Q/Q Growth		 -680.33% 188.66% -53.70% 216.96% 58.81% -26.47% -29.36% 200.25% -3.25% 34.64% -140.11%
NOPAT Q/Q Growth		 -680.33% 195.72% -51.57% 216.46% 54.56% -22.06% -28.61% 189.81% -3.38% 35.75% -135.10%
Net Income Q/Q Growth		 -577.67% 183.28% -51.57% 216.46% 54.56% -22.06% -28.61% 189.81% -3.38% 35.75% -139.35%
EPS Q/Q Growth		 -560.00% 184.85% -57.14% 208.33% 48.65% -20.00% -38.64% 188.89% -5.13% 47.30% -136.70%
Operating Cash Flow Q/Q Growth		 109.20% 252.61% 37.74% 16.70% 205.55% 5.72% -22.32% -48.06% 179.58% -12.08% -61.78%
Free Cash Flow Firm Q/Q Growth		 -27.56% -67.66% -124.82% -280.07% -327.10% 30.39% -78.70% 0.30% -8.63% -40.57% -4.93%
Invested Capital Q/Q Growth		 -9.66% 15.45% 2.11% 8.30% 16.49% 1.19% 12.45% 14.12% 12.47% 13.14% -6.72%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -9.59% 13.16% 7.58% 17.84% 24.41% 18.09% 10.76% 28.24% 25.82% 34.11% -11.20%
EBIT Margin		 -13.22% 10.95% 5.19% 16.11% 22.78% 16.10% 9.39% 27.13% 24.66% 32.88% -12.40%
Profit (Net Income) Margin		 -10.64% 8.27% 4.10% 12.71% 17.50% 13.11% 7.72% 21.55% 19.56% 26.30% -9.73%
Tax Burden Percent		 80.46% 75.57% 79.05% 78.93% 76.82% 81.43% 82.29% 79.43% 79.33% 79.98% 78.48%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 24.43% 20.95% 21.07% 23.18% 18.57% 17.71% 20.57% 20.67% 20.02% 0.00%
Return on Invested Capital (ROIC)		 -21.58% 19.16% 9.57% 28.68% 39.64% 28.90% 17.37% 47.78% 41.27% 55.00% -18.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 213.14% 19.16% 9.57% 28.68% 39.64% 28.90% 17.37% 47.78% 41.27% 55.00% -32.07%
Return on Net Nonoperating Assets (RNNOA)		 -0.69% 13.66% 6.99% 19.86% 19.55% 10.40% 4.51% 10.68% 5.44% 4.53% -1.55%
Return on Equity (ROE)		 -22.27% 32.82% 16.56% 48.54% 59.19% 39.29% 21.89% 58.47% 46.71% 59.53% -20.39%
Cash Return on Invested Capital (CROIC)		 9.51% -5.91% -3.75% -5.57% -14.52% 0.33% -7.74% -7.61% -4.22% -8.31% 0.02%
Operating Return on Assets (OROA)		 -5.88% 4.81% 2.23% 7.10% 10.00% 7.05% 4.46% 14.00% 12.70% 17.02% -6.52%
Return on Assets (ROA)		 -4.73% 3.64% 1.76% 5.61% 7.68% 5.74% 3.67% 11.12% 10.08% 13.61% -5.12%
Return on Common Equity (ROCE)		 -22.27% 32.82% 16.56% 48.54% 59.19% 39.29% 21.89% 58.47% 46.71% 59.53% -20.39%
Return on Equity Simple (ROE_SIMPLE)		 -49.25% 0.00% 0.88% 13.11% 26.59% 0.00% 25.32% 29.04% 29.21% 0.00% 27.14%
Net Operating Profit after Tax (NOPAT)		 -3.08 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.18
NOPAT Margin		 -9.26% 8.27% 4.10% 12.71% 17.50% 13.11% 7.72% 21.55% 19.56% 26.30% -8.68%
Net Nonoperating Expense Percent (NNEP)		 -234.72% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 13.23%
SG&A Expenses to Revenue		 24.69% 22.87% 22.58% 23.18% 22.58% 21.32% 18.53% 20.36% 18.55% 18.67% 17.08%
Operating Expenses to Revenue		 113.22% 89.05% 94.81% 83.89% 77.22% 83.90% 90.61% 72.87% 75.34% 67.12% 112.40%
Earnings before Interest and Taxes (EBIT)		 -4.40 3.90 1.80 5.72 9.08 6.68 4.72 14 14 18 -7.40
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -3.19 4.69 2.64 6.34 9.73 7.50 5.41 15 14 19 -6.68
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.73 0.66 1.34 1.34 1.69 2.81 2.75 2.27 1.92 1.93 1.84
Price to Tangible Book Value (P/TBV)		 0.74 0.67 1.36 1.36 1.70 2.83 2.77 2.28 1.93 1.94 1.85
Price to Revenue (P/Rev)		 0.14 0.16 0.34 0.39 0.69 1.24 1.35 1.17 1.04 1.11 0.94
Price to Earnings (P/E)		 0.00 0.00 152.95 10.25 6.34 10.22 10.88 7.81 6.59 5.82 6.79
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.34% 0.60% 1.03%
Earnings Yield		 0.00% 0.00% 0.65% 9.75% 15.78% 9.79% 9.19% 12.81% 15.18% 17.17% 14.73%
Enterprise Value to Invested Capital (EV/IC)		 0.57 0.66 1.15 1.03 1.09 2.18 2.22 1.87 1.65 1.81 1.72
Enterprise Value to Revenue (EV/Rev)		 0.21 0.28 0.50 0.49 0.58 1.12 1.16 1.01 0.93 1.07 0.91
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 15.10 6.49 3.60 6.49 6.70 4.99 4.41 4.28 4.90
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 94.15 9.67 4.10 7.30 7.41 5.38 4.71 4.50 5.23
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 223.41 12.70 5.30 9.26 9.33 6.77 5.89 5.63 6.55
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 3.60 2.14 2.94 2.79 2.59 2.43 3.03 3.05
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.12 0.00 0.00 0.00 0.00 751.81 0.00 0.00 0.00 0.00 8,869.80
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.95 0.73 0.71 0.62 0.29 0.17 0.07 0.05 0.04 0.04 0.04
Long-Term Debt to Equity		 0.95 0.73 0.71 0.62 0.29 0.17 0.07 0.05 0.04 0.04 0.04
Financial Leverage		 0.00 0.71 0.73 0.69 0.49 0.36 0.26 0.22 0.13 0.08 0.05
Leverage Ratio		 5.23 9.03 9.40 8.66 7.70 6.84 5.97 5.26 4.64 4.37 4.32
Compound Leverage Factor		 5.23 9.03 9.40 8.66 7.70 6.84 5.97 5.26 4.64 4.37 4.32
Debt to Total Capital		 48.74% 42.25% 41.40% 38.24% 22.47% 14.34% 6.13% 5.06% 4.23% 3.49% 3.48%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 48.74% 42.25% 41.40% 38.24% 22.47% 14.34% 6.13% 5.06% 4.23% 3.49% 3.48%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 51.26% 57.75% 58.60% 61.76% 77.53% 85.66% 93.87% 94.94% 95.77% 96.51% 96.52%
Debt to EBITDA		 -2.71 -7.79 5.45 2.41 0.74 0.43 0.19 0.14 0.11 0.08 0.10
Net Debt to EBITDA		 -1.08 -5.02 4.76 1.25 -0.70 -0.67 -1.11 -0.77 -0.52 -0.14 -0.17
Long-Term Debt to EBITDA		 -2.71 -7.79 5.45 2.41 0.74 0.43 0.19 0.14 0.11 0.08 0.10
Debt to NOPAT		 -2.22 -4.90 80.69 4.72 1.09 0.61 0.26 0.18 0.15 0.11 0.13
Net Debt to NOPAT		 -0.89 -3.16 70.47 2.45 -1.04 -0.95 -1.54 -1.04 -0.70 -0.19 -0.23
Long-Term Debt to NOPAT		 -2.22 -4.90 80.69 4.72 1.09 0.61 0.26 0.18 0.15 0.11 0.13
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 14 4.53 -1.12 -4.27 -18 -13 -23 -23 -25 -35 -36
Operating Cash Flow to CapEx		 260.66% 990.61% 1,127.26% 1,430.47% 3,104.21% 3,842.66% 2,068.09% 1,607.38% 3,974.11% 3,190.21% 1,042.64%
Free Cash Flow to Firm to Interest Expense		 14.15 4.54 -1.13 -4.31 -20.25 -20.17 -99.73 -293.41 -338.33 -116.85 -518.70
Operating Cash Flow to Interest Expense		 1.27 4.44 6.14 7.19 24.15 36.52 78.51 120.33 357.12 77.14 124.75
Operating Cash Flow Less CapEx to Interest Expense		 0.78 3.99 5.59 6.69 23.37 35.57 74.71 112.85 348.13 74.72 112.79
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.44 0.44 0.43 0.44 0.44 0.44 0.48 0.52 0.52 0.52 0.53
Fixed Asset Turnover		 14.23 14.06 14.26 14.59 15.43 16.23 19.40 21.56 23.28 24.96 28.14
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 52 60 61 66 77 78 88 100 112 127 119
Invested Capital Turnover		 2.33 2.32 2.33 2.26 2.26 2.20 2.25 2.22 2.11 2.09 2.17
Increase / (Decrease) in Invested Capital		 -17 -1.58 2.55 8.78 25 18 27 34 35 49 31
Enterprise Value (EV)		 29 39 70 68 84 170 194 186 185 230 204
Market Capitalization		 19 23 48 55 101 188 226 215 207 237 211
Book Value per Share		 $2.47 $3.21 $3.32 $3.71 $5.39 $5.81 $5.99 $6.77 $7.61 $8.68 $7.91
Tangible Book Value per Share		 $2.42 $3.16 $3.28 $3.66 $5.35 $5.77 $5.95 $6.74 $7.58 $8.64 $7.88
Total Capital		 52 60 61 66 77 78 88 100 112 127 119
Total Debt		 25 25 25 25 17 11 5.36 5.06 4.75 4.44 4.12
Total Long-Term Debt		 25 25 25 25 17 11 5.36 5.06 4.75 4.44 4.12
Net Debt		 10 16 22 13 -16 -17 -32 -29 -22 -7.74 -7.23
Capital Expenditures (CapEx)		 0.48 0.45 0.54 0.50 0.70 0.60 0.86 0.58 0.65 0.71 0.84
Net Nonoperating Expense (NNE)		 0.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.63
Net Nonoperating Obligations (NNO)		 25 25 25 25 17 11 5.36 5.06 4.75 4.44 4.12
Total Depreciation and Amortization (D&A)		 1.21 0.79 0.83 0.62 0.65 0.82 0.69 0.58 0.65 0.69 0.72
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.33) $0.28 $0.13 $0.41 $0.61 $0.45 $0.29 $0.81 $0.77 $1.06 ($0.40)
Adjusted Weighted Average Basic Shares Outstanding		 10.76M 10.76M 11.00M 11.02M 11.40M 11.48M 13.47M 13.93M 14.14M 13.93M 14.45M
Adjusted Diluted Earnings per Share		 ($0.33) $0.28 $0.12 $0.37 $0.55 $0.44 $0.27 $0.78 $0.74 $1.09 ($0.40)
Adjusted Weighted Average Diluted Shares Outstanding		 10.76M 10.76M 11.79M 12.11M 12.58M 12.42M 14.27M 14.39M 14.60M 14.14M 14.45M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.76M 11.01M 11.01M 11.06M 12.35M 13.73M 14.01M 14.14M 14.15M 14.48M 14.48M
Normalized Net Operating Profit after Tax (NOPAT)		 -3.08 2.95 1.43 4.51 6.98 5.44 3.88 11 11 15 -5.18
Normalized NOPAT Margin		 -9.26% 8.27% 4.10% 12.71% 17.50% 13.11% 7.72% 21.55% 19.56% 26.30% -8.68%
Pre Tax Income Margin		 -13.22% 10.95% 5.19% 16.11% 22.78% 16.10% 9.39% 27.13% 24.66% 32.88% -12.40%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -4.45 3.91 1.82 5.78 10.09 10.61 20.74 183.81 188.77 62.45 -105.95
NOPAT to Interest Expense		 -3.11 2.95 1.44 4.56 7.75 8.64 17.07 145.99 149.74 49.94 -74.17
EBIT Less CapEx to Interest Expense		 -4.93 3.46 1.27 5.28 9.31 9.66 16.95 176.32 179.78 60.03 -117.92
NOPAT Less CapEx to Interest Expense		 -3.60 2.50 0.89 4.06 6.97 7.69 13.27 138.51 140.75 47.52 -86.13
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.47% 6.88%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.47% 6.88%

Financials Breakdown Chart

Key Financial Trends

Kingstone Companies (NASDAQ: KINS) showed a sharp turnaround in 2025, but the latest quarter suggests the improvement has been uneven. For Q1 2026, the company reported a net loss of $5.8 million after posting strong profits in the prior year periods. Operating cash flow remained positive, however, and the balance sheet still shows a sizable equity base supported by a large investment portfolio.

What stands out most: KINS generated $8.7 million in operating cash flow in Q1 2026 even though it posted a net loss. That’s a sign the core business can still produce cash, but earnings were pressured by higher claims, expenses, and weaker investment-related results compared with late 2025.

  • Q1 2026 operating cash flow was strong at $8.7 million, showing the business still generated cash despite a net loss.
  • The company ended Q1 2026 with $11.4 million in cash and $465.3 million in total assets.
  • Total common equity was $114.5 million, up from $94.9 million in Q2 2025 and $82.2 million in Q1 2025.
  • Premiums earned increased year over year, reaching $55.9 million in Q1 2026 versus $43.5 million in Q1 2025.
  • Quarterly revenue also improved versus the prior-year first quarter, reaching $59.7 million from $50.3 million.
  • The company continued to produce meaningful cash from operations in 2025, including $22.8 million in Q4 2025 and $25.9 million in Q3 2025.
  • KINS maintains a very large investment portfolio, with $309.7 million in trading securities at Q1 2026, which remains a key driver of earnings and balance sheet size.
  • The company’s loan book appears minimal, so results are more tied to insurance underwriting and investment performance than traditional lending.
  • Dividends continue to be paid, but at a modest level, with $0.05 per share in Q1 2026.
  • Q1 2026 net income swung to a $5.8 million loss from a $14.8 million profit in Q4 2025 and a $3.9 million profit in Q1 2025.
  • Net cash from investing activities was a large outflow of $8.2 million in Q1 2026, driven by continued investment purchases.
  • Quarter-end cash fell to $11.4 million from $26.8 million in Q3 2025 and $37.5 million in Q1 2025.
  • Claims and claim expenses remained heavy at $171.7 million, a major drag on profitability.
  • Current quarter EPS was negative, with basic and diluted EPS of -$0.40.
  • Investing and financing cash flows were both negative in Q1 2026, resulting in a $823 thousand decline in cash for the quarter.

Bottom line: Kingstone’s longer-term trend improved markedly through 2025, with stronger revenue, earnings, and cash generation. But Q1 2026 was a setback, and investors should watch whether underwriting profitability, claims severity, and investment income can stabilize in upcoming quarters.

07/12/26 08:56 AM ETAI Generated. May Contain Errors.

Kingstone Companies Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Kingstone Companies' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Kingstone Companies' net income appears to be on an upward trend, with a most recent value of $40.77 million in 2025, rising from $6.96 million in 2015. The previous period was $18.36 million in 2024. See where experts think Kingstone Companies is headed by visiting Kingstone Companies' forecast page.

Over the last 10 years, Kingstone Companies' total revenue changed from $64.18 million in 2015 to $214.42 million in 2025, a change of 234.1%.

Kingstone Companies' total liabilities were at $330.69 million at the end of 2025, a 7.3% increase from 2024, and a 218.4% increase since 2015.

In the past 10 years, Kingstone Companies' cash and equivalents has ranged from $8.98 million in 2023 to $48.38 million in 2017, and is currently $12.18 million as of their latest financial filing in 2025.

Over the last 10 years, Kingstone Companies' book value per share changed from 6.17 in 2015 to 8.68 in 2025, a change of 40.5%.


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Financial statements for NASDAQ:KINS last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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