KINS · Kingstone Companies, Inc.
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Aug 7, 2026TL;DR. Kingstone posted its most profitable quarter in company history, with record Q2 net income of $15.5 million, diluted EPS up 35% to $1.05, and a 70.2% net combined ratio, while reaffirming full-year 2026 guidance. Management also flagged a softening market with new entrants and an irrationally priced competitor already pressuring new business, and moderated New York growth expectations for the second half.
- + Q2 net income hit a record $15.5 million with diluted EPS up 35% to $1.05 and annualized ROE of 50.8%
- + Direct premiums written grew 18.7% and net premiums earned grew 30.8% in Q2, with year-to-date DPW growth of 19.2% tracking the high end of guidance
- + Reinsurance placement increased total catastrophe coverage to $500 million at over 15% lower risk-adjusted cost, with low first-event retentions maintained
- − Management flagged a softening market with new entrants and one irrationally priced competitor already causing a tick down in July new business
- − New York growth is expected to moderate in the second half as competition returns, with management expecting more pressure on new business than on renewals
- − Admitted carriers in California have begun reopening for business, adding to competition that was not previously anticipated
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
KINS
this stock
Kingstone Companies, Inc.
|
$278.23M | +14.2% | +38.5% | 7.8 | 2.5% |
|
CB
Chubb Ltd
|
$131.19B | +8.4% | +6.5% | 12.0 | 0.8% |
|
PGR
Progressive Corp/Oh/
|
$126.52B | -4.4% | +16.3% | 10.9 | 1.0% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$99.34B | +41.4% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$78.26B | +29.4% | +5.2% | 10.1 | 2.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| KINS | -5.0% | -1.3% | +32.3% | -2.2% | +14.2% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | -3.8% | +0.5% | +14.4% | -1.8% | +2.1% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.