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KINGSTONE COMPANIES, INC.

KINS

$19.03 ▼ -1.71 (-8.24%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

KINGSTONE COMPANIES, INC. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $265.0M

Dividend Yield 0.53%

Revenue Growth 38.5% ↗

Op. Margin 23.8% ↗

ROIC None

FCF / Share None

Trailing P/E 6.5x

Price / Book 2.2x

FCF Yield —

Debt / Equity 0.04

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$214.87M

↑ +38.5% —

Net Income Profit after all expenses

$40.77M

↑ +122.1% —

Operating Margin Operating profit as % of sales

23.8%

↑ +58.3% 80th

Long-Term Debt Long-term obligations

$4.44M

↓ -60.3% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.10 Latest / share

-11.3% 6-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

$0.18

FY 2020

$0.16

FY 2021

$0.12

FY 2022

$0.00

FY 2023

$0.00

FY 2024

$0.10

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	38.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+542%)	7.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	10.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	-19.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-421%)	22.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	-9.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-263%)	27.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+366%)	22.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	19.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+230%)	20.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	28.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+370%)	36.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+515%)	25.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+329%)	5.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	28.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+371%)	—	—
EPS Growth YoY (%)	83.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	73.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-202.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	-69.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	30.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	43.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	155.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-69.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	124.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	122.1% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	72.6% Excellent Excellent Year-over-year change in net income	-205.3% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	-69.0% Weak ↓ Weak Declining Year-over-year change in net income	12.2% Fair ↓ Fair Declining Year-over-year change in net income	27.9% Excellent ↓ Excellent Declining Year-over-year change in net income	30.6% Excellent ↓ Excellent Declining Year-over-year change in net income	164.8% Excellent ↑ Excellent Improving Year-over-year change in net income	162.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-69.4% Weak Weak Year-over-year change in net income	154.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	18.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-3.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	12.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	23.4% Excellent → Excellent Stable Compound annual revenue growth over 3 years	21.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	22.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	28.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	21.8% Excellent Excellent Compound annual revenue growth over 3 years	19.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	1.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	15.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.8% Excellent → Excellent Stable Compound annual revenue growth over 5 years	25.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	26.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	22.8% Excellent Excellent Compound annual revenue growth over 5 years	24.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	-54.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-32.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	31.1% Excellent → Excellent Stable Compound annual EPS growth over 3 years	68.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.9% Caution Caution Compound annual EPS growth over 3 years	20.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	23.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	-5.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-120%)	-21.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-186%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	19.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	11.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	-4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	-17.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-179%)	-4.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	-4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	2.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	10.8% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	11.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	10.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	10.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	5.5% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	2.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	9.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	4.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	9.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	4.9% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-7.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	33.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+177%)	27.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+129%)	-17.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-249%)	-62.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-619%)	-9.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-181%)	1.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	-6.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-156%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	10.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	15.7% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+31%)	15.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	5.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	16.3% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	7.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.73x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-39%)	0.51x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.32x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.33x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.31x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$15.43	$13.52	$13.41	$12.23	$15.23	$12.25	$13.51	$10.65	$8.93	$10.01	$8.75	$6.87	$9.20	$7.64	$7.22	$6.30	—
Basic EPS, GAAP (USD)	$2.93	$1.60	$-0.57	$-2.12	$-0.70	$0.09	$-0.55	$0.29	$0.96	$1.15	$0.95	$0.73	$0.51	$0.20	$0.65	$0.29	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.10	$0.00	$0.00	$0.12	$0.16	$0.18	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$8.52	$5.16	$3.20	$3.38	$7.22	$8.74	$8.17	$8.25	$8.90	$7.15	$6.18	$5.54	$4.91	$4.24	$4.07	$3.37	—
Tangible Book Value per Share (USD)	$8.52	$5.16	$3.20	$3.38	$7.22	$8.69	$8.12	$8.19	$8.80	$6.98	$5.94	$5.24	$4.54	$3.41	$3.10	$2.29	—
Basic Weighted Avg Shares (shares)	13.93M	11.48M	10.76M	10.65M	10.59M	10.72M	10.77M	10.69M	10.39M	7.74M	7.33M	7.29M	3.98M	3.81M	3.84M	3.43M	—
Dividend Payout Ratio (%)	3.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-5.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-22.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	202.8% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$4.44M	$11.17M	$25.24M	$18.43M	$29.82M	$29.65M	$29.47M	$29.30M	$29.13M	$0.00	—	—	—	—	—	—	—
Total Equity (USD)	$122.73M	$66.71M	$34.50M	$36.17M	$75.67M	$92.80M	$88.22M	$88.67M	$94.58M	$56.68M	$45.28M	$40.50M	$35.71M	$16.28M	$15.31M	$12.94M	$10.38M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$214.87M	$155.14M	$144.19M	$130.16M	$161.23M	$131.37M	$145.56M	$113.77M	$92.77M	$77.44M	$64.18M	$50.05M	$36.57M	$29.08M	$27.69M	$21.60M	—
Depreciation Expense (USD)	$2.56M	$2.45M	$2.97M	$3.30M	$3.29M	$2.86M	$2.38M	$1.45M	$1.06M	$717.11K	$556.29K	$399.19K	$170.77K	$120.63K	—	—	—
Net Income, GAAP (USD)	$40.77M	$18.36M	$-6.17M	$-22.52M	$-7.38M	$972.39K	$-5.97M	$3.09M	$9.99M	$8.90M	$6.96M	$5.33M	$2.01M	$766.71K	$2.50M	$983.14K	—
Operating Cash Flow (USD)	$75.86M	$57.95M	$-11.33M	$-915.52K	$24.35M	$-10.23M	$29.86M	$22.30M	$28.05M	$15.20M	$20.40M	$17.33M	$7.38M	$6.38M	$7.25M	$3.72M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Premiums Earned (USD)	$187.13M	$128.50M	$114.38M	$114.38M	$143.88M	$108.08M	$127.62M	$103.41M	$77.35M	$61.41M	$48.61M	$32.63M	$22.23M	$17.22M	$14.87M	$11.14M	—
Loss Ratio (%) (%)	45.0%	48.7%	72.4%	77.3%	—	—	70.7%	56.4%	44.2%	45.3%	47.7%	52.2%	61.1%	65.3%	57.6%	57.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 66 quarters

KINGSTONE COMPANIES, INC.

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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