KINS · Kingstone Companies, Inc.
$19.89
+0.11 (+0.56%)
At close · Aug 19
Market Cap
$288.08M
Shares
14.48M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$19.78
Open$19.94
Day$19.39–20.08
52W close$13.21–20.80
Avg vol 30d112K
Short int330K · 2.3% float · 3.1d
Short vol59%
Last earningsJul 16, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 4, 2026
Est · unconfirmed
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.8 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+20%
above
Price vs 50-day avg
+5%
above
RSI (14)
53
neutral
MACD trend
Negative
52-week position
87%
near high
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+19%
trailing
YTD return
+18%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +17 funds added
Insider flow
Accumulating
Net +$213.0K over 90 days · 0% sells
Short interest
Rising
2.28% of float · ▲ +0.3% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
106 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
+38%
Y/Y
EPS growth
+95%
Y/Y
Free cash flow
$73.1M
Valuation
P/E 8
below peers
Balance sheet
$1.4M
net cash
Quant / Vol
risk profile
Volatility
38%
annualized · 1-yr
Max drawdown
−24%
past year
ATR
3.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Aug 6, 2026
2026 Estimate
Direct premiums written growth
16% – 20%
Net combined ratio
81% – 86%
Underlying combined ratio (excluding catastrophe losses and prio
74% – 76%
FY2026
Direct premiums written growth
Initiated
16% – 20%
Underlying Combined Ratio (ex-CAT, ex-PYD)
Initiated
74% – 76%
Net income per share — diluted
Initiated
$2.20 – $2.90
prior FY $2.88
midpoint −11.5% Y/Y
Prior guidance
period ended
· from the 8-K filed Nov 6, 2025
Net premiums earned
· fiscal year 2025
$187M
Direct premiums written1 growth
· 2025E
12% – 17%
Net combined ratio
· 2025E
78% – 82%
Return on equity
· 2025E
35% – 39%
Net Combined Ratio
· fiscal year 2025
78% – 82%
Net Income Per Share - Diluted
· fiscal year 2025
$2.20 – $2.60
Guided vs delivered
· last 2 settled
Net Income Per Share - Diluted
fiscal year 2025
guided $2.20 – $2.60
$2.88
Beat +20.0%
Earnings per share
full year 2024
guided $0.75 – $1.10
$1.48
Beat +60.0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+20%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
53
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow
Accumulating
+4% holders QoQ · +17 funds added
Insider flow
Accumulating
Net +$213.0K over 90 days · 0% sells
Short interest
Rising
2.28% of float · ▲ +0.3% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
106 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $13
Now $20 · 87%
Range high $21
vs 200-day avg +20%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Direct premiums written - livery physical damage non-GAAP | $3,518,000 | Three months ended June 30, 2026 filing | — |
| Direct premiums written - personal lines non-GAAP | $68,965,000 | Three months ended June 30, 2026 filing | — |
| Net combined ratio | 70.2% | Three months ended June 30, 2026 filing | — |
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| Net loss ratio | 39.6% | Three months ended June 30, 2026 filing | — |
| Net underwriting expense ratio | 30.6% | Three months ended June 30, 2026 filing | — |
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| Underlying loss ratio non-GAAP | 43.1% | the three months ended June 30, 2026 filing | — |
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| Adjusted EBITDA non-GAAP | $20.74M | Q2 FY2026 | — |
| Annualized ROE | 50.8% | Q2 2026 | — |
| Catastrophe loss ratio non-GAAP | -0.8% | Q2 FY2026 | — |
| Diluted book value / share non-GAAP | $8.69 | Q2 2026 | — |
| Direct premiums written non-GAAP | $72.49M | Q2 FY2026 | — |
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| Operating net income per share - diluted non-GAAP | $1.04 | Q2 FY2026 | — |
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| Operating return on equity non-GAAP | 8.2% | 1H 2026 | — |
| Operating return on equity - annualized non-GAAP | 50.2% | Q2 FY2026 | — |
| Policies in force, at the end of the period | 84,570 | Q2 FY2026 | — |
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| Return on equity - annualized | 50.8% | Q2 FY2026 | — |
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| Select homeowners policies in force | 62% | Q2 2026 | — |
| Underlying combined ratio non-GAAP | 80.7% | 1H 2026 | — |
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| Underlying combined ratio (ex-CAT, ex-PYD) non-GAAP | 80.7% | 1H 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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.
|
$288.08M | +17.5% | +38.5% | 8.0 | 2.3% |
|
CB
Chubb Ltd
|
$133.92B | +10.6% | +6.5% | 12.2 | 1.1% |
|
PGR
Progressive Corp/Oh/
|
$120.36B | -9.0% | +16.3% | 10.4 | 1.4% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$87.29B | +24.0% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$76.74B | +26.8% | +5.2% | 9.9 | 3.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| KINS | +3.7% | -0.7% | +18.8% | -1.0% | +17.5% |
| SPY | -0.4% | +2.6% | +10.7% | +2.7% | +12.5% |
| vs SPY | +4.1% | -3.2% | +8.1% | -3.7% | +5.0% |
Capital returns
Latest dividend
$0.06
/ share · ex Aug 11, 2026
Paid (TTM)
$0.21
/ share · 4 payouts
Dividend yield (TTM, derived)
1.06%
Buyback program
· as of May 19, 2026
Authorized
shares 1.00M
Spent (derived)
—
Remaining
—
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.
Key facts
CIK
33992
CUSIP
496719105
13F (30d)
101 filings
101 filers
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