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Kingstone Companies

KINS

Kingstone Companies, Inc. is a regional property and casualty insurance provider that primarily serves the New York market.

Market cap
$275.63M+32.0%
Revenue$237.7M+28.0%
Net income$35.3M+28.1%
Free cash flow$83.1M+20.2%
EPS (diluted)$2.45+20.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Nov 5, 2026 (In 3 weeks)
Revenue estimate$89.1M
EPS estimate$0.87

Financials

Q2 2026

Income statement

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Revenue$65.9M+25.9%
Net income$15.5M+37.5%
EPS (diluted)$1.05+34.6%

Balance sheet

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Cash & equivalents$16.9M-49.8%
Total debt$3.9M-25.4%
Total equity$129.2M+36.1%
Total assets$477.9M+21.5%

Cash flow

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Operating cash flow$28.7M+210%
CapEx$908.2K+57.4%
Free cash flow$27.8M+220%

Valuation & ratios

Valuation

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Market cap$275.63M+32.0%
Enterprise value$262.61M+42.4%
P/E7.8×+1.2×
P/S1.2×+0.1×

Profitability

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Net margin14.8%0.0pp
FCF margin34.9%-2.3pp

Returns & leverage

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Return on equity31.5%-9.1pp
Debt / equity0×0.0×

Competitors

Profile

Kingstone Companies, Inc. is a regional property and casualty insurance provider that primarily serves the New York market. The company offers a range of personal and specialty insurance products through its principal subsidiary, Kingstone Insurance Company (KICO), utilizing a network of independent retail and wholesale agents. Its core value proposition centers on local market expertise, sophisticated risk-based pricing, and a commitment to serving catastrophe-exposed coastal properties.

Competitive position

A leading writer of homeowners insurance in New York with a specialized focus on catastrophe-exposed coastal properties.

GeographiesNew York, New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, Maine, California
Customer segmentsRetail Consumers, Small Business Owners
Business modelB2B2C, Underwriting, Commission-based
SuppliersReinsurance providers, Actuarial consultants, Catastrophe modeling agencies, Investment managers
CustomersIndependent retail agents, Wholesale brokers, Individual policyholders
Listed1994
Employees84.0
CEOMeryl S. Golden
FilingsSEC EDGAR

FAQ

What is Kingstone Companies's market cap?
Kingstone Companies (KINS) has a market capitalization of $275.6M and trades on NASDAQ.
What is Kingstone Companies's revenue and profitability?
Kingstone Companies generated $237.7M in trailing twelve-month revenue with net income of $35.3M, representing a net margin of 14.8%, with free cash flow of $83.1M. The latest reported period is Q2 2026.
Who are Kingstone Companies's competitors?
Kingstone Companies's key competitors include The Travelers Companies, Inc., The Allstate Corporation, Kinsale Capital Group, Inc., and others. These companies compete in similar markets and product categories.
Who does Kingstone Companies partner with?
Kingstone Companies's notable partners include Demotech, ISO.
What subsidiaries does Kingstone Companies have?
Kingstone Companies's subsidiaries include Kingstone Insurance Company, Cosi Agency, Inc..
Where is Kingstone Companies headquartered?
Kingstone Companies is headquartered in United States of America and employs approximately 84 people. It has been publicly traded since 1994.