KINS · Kingstone Companies, Inc.
$18.72
+0.22 (+1.19%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$264.19M
Shares
14.48M
Volume · Oct 5
21.99K
Avg daily vol (3M)
102.14K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$18.50
Open$18.20
Day$18.17–18.57
52W close$14.08–20.80
Avg vol 30d93K
Short int335K · 2.3% float · 4.8d
Short vol55%
Last earningsAug 7, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 6, 2026
Est · unconfirmed
· in 5 wks
filed Aug 7, 2026
call held Aug 7, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$237.70M
Trailing 12 months
Net income (TTM)
$35.29M
Trailing 12 months
Revenue growth YoY
+25.9%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
7.5
Trailing earnings · reciprocal yield 13.4%
FCF yield
31.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$13.12M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+2.0%
Year over year · more shares
Price change (1Y)
+25.0%
Trailing year
Short interest
2.3%
Latest settlement · 4.8 days to cover
AI Brief
Q2 FY26 earnings call · Aug 7, 2026
Q2 FY26
TL;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.
Bullish
- + 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
Bearish
- − 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
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
−5%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
66%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−9%
trailing
6-month return
+18%
trailing
YTD return
+10%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $20 › 200d $17 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +15 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.31% of float · ▼ -8.9% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
104 holders — near 3-yr high, broad support
Squeeze score
43
elevated · 0–100
Fundamentals
Revenue growth
+38%
Y/Y
EPS growth
+95%
Y/Y
Free cash flow
$73.1M
Valuation
P/E 7.4
below peers
Balance sheet
$7.7M
net cash
Quant / Vol
risk profile
Volatility
37%
annualized · 1-yr
Max drawdown
−24%
past year
ATR
3.0%
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 Earnings Call filed Aug 7, 2026
full year 2026
Direct premiums written growth
Initiated
16% – 20%
GAAP net combined ratio
GAAP
Initiated
81% – 86%
Catastrophe loss ratio
Initiated
7% – 10%
Return on equity
GAAP
Initiated
24% – 30%
Diluted net income per share
GAAP
Initiated
$2.20 – $2.90
prior FY $2.88
midpoint −11.5% Y/Y
Effective tax rate
Initiated
21%
by year-end 2029
Direct premiums written
$500M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
−5%
Bearish
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
66%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $20 › 200d $17 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +15 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.31% of float · ▼ -8.9% MoM · 4.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
104 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $14
Now $19 · 66%
Range high $21
vs 200-day avg +8%
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 non-GAAP | $72.49M | Three months ended June 30, 2026 filing | — |
|
|
|||
| Net combined ratio | 70.2% | the three months ended June 30, 2026 filing | — |
|
|
|||
| Net combined ratio excluding the effect of catastrophes non-GAAP | 71% | Three months ended June 30, 2026 filing | — |
| Net loss ratio | 39.6% | the three months ended June 30, 2026 filing | — |
| Net loss ratio excluding the effect of catastrophes non-GAAP | 40.4% | Three months ended June 30, 2026 filing | — |
| Net loss ratio excluding the effect of commercial lines business non-GAAP | 39.8% | Three Months Ended June 30, 2026 filing | — |
| Net premiums written non-GAAP | $67.79M | three months ended June 30, 2026 filing | — |
| Net underwriting expense ratio | 30.6% | the three months ended June 30, 2026 filing | — |
|
|
|||
| Net underwriting expense ratio excluding the effect of catastrophes non-GAAP | 30.6% | Three months ended June 30, 2026 filing | — |
| Return on equity on net investment income | 2.8% | the three months ended June 30, 2026 filing | — |
| Return on equity on net investment income - annualized | 11.2% | the three months ended June 30, 2026 filing | — |
| Underlying loss ratio non-GAAP | 43.1% | three months ended June 30, 2026 filing | — |
|
|
|||
| Adjusted EBITDA non-GAAP | $15.79M | Six Months Ended June 30, 2026 | — |
| Catastrophe loss ratio non-GAAP | 12% | Six Months Ended June 30, 2026 | — |
| Diluted Book Value / Share | $8.69 | Q2 2026 | — |
| Operating net income non-GAAP | $10.27M | Six Months Ended June 30, 2026 | — |
| Operating net income per share - diluted non-GAAP | $0.7 | Six Months Ended June 30, 2026 | — |
| Operating return on equity non-GAAP | 8.2% | Six Months Ended June 30, 2026 | — |
| Operating return on equity - annualized non-GAAP | 16.3% | Six Months Ended June 30, 2026 | — |
| Policies in force, at the end of the period | 84,570 | 2Q26 | — |
| Select homeowners policies in force | 62% | Q2 2026 | — |
| Underlying combined ratio non-GAAP | 80.7% | Six Months Ended June 30, 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.
|
$264.19M | +9.9% | +38.5% | 7.4 | 2.3% |
|
CB
Chubb Ltd
|
$128.80B | +6.0% | +6.5% | 11.8 | 0.9% |
|
PGR
Progressive Corp/Oh/
|
$119.47B | -7.6% | +16.3% | 10.3 | 1.1% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$100.71B | +35.0% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$75.72B | +24.2% | +5.2% | 9.8 | 3.0% |
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
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| KINS | +1.4% | -8.5% | +17.5% | +5.2% | +9.9% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +1.6% | -8.1% | +5.4% | +4.3% | -2.9% |
Capital returns
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.