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NASDAQ · FIRE, MARINE & CASUALTY INSURANCE · MID CAP

Kingstone Companies, Inc. KINS

16 fiscal years on record · USD · FY2025 reported · SEC filings only
$214.9M
▲ 38.5% YoY
$40.8M
▲ 122.1% YoY
$73.1M
▲ 31.4% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The company offers property and casualty insurance products through its wholly-owned subsidiary, Kingstone Insurance Company (KICO). KICO is a New York domiciled carrier that writes business through retail and wholesale agents and brokers and is actively writing personal lines and commercial auto insurance in New York. KICO is also licensed in the states of New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine. For the years ended December 31, 2025 and 2024, respectively, 98.0% and 96.0% of KICO's direct written premiums came from the New York policies. As of December 31, 2025, it had 113 employees. Through its subsidiary, Cosi Agency, Inc. (Cosi), a multi-state licensed general agency, the company accesses alternative distribution channels. The company was incorporated in 1961 and assumed the name DCAP Group, Inc. in 1999, before changing its name to Kingstone Companies, Inc. on July 1, 2009.

Written from the business description in KINGSTONE COMPANIES, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 16 March 2026. Every sentence was checked against that document before publication.

Growth

USD 214.9M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 214.9 · Net income 40.8
100M200M
201020132016201920222025
Compound annual growth
+18.2%
+10.3%
+12.8%
+16.6%
+111.1%
+19.3%
+28.2%
+100.0%
+11.8%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +10.3% a year over the five years to FY2025 — but profit grew faster: net income at +111.1%, earnings per share at +100.0%.

The share count rose from 0.01B to 0.01B over the period.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

19 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 23.8% · Net 19.0%
10%20%-10%-20%
201020172025
ROE
FY2025 · ROE 43.0%
20%40%-20%-40%
201020172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 43 cents of profit this year.

Cash & shareholders

USD 1.4M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 73.1
30M60M-5M-10M
201020172025
Net buybacks $M Dividends $M
FY2025 · Dividends 1.4 · Net buybacks ·
2M4M-15M-30MDividendsNet buybacks
20112013201520172019202120232025

USD 1.4M in dividends — 3% of the year's profit went back to shareholders.

Total assetsUSD 453.4M
EquityUSD 122.7M
CashUSD 12.2M
Gross debtUSD 4.4M
Net debtUSD -7.7M
DepositsUSD 765,172.00

The company holds more cash than debt.

The 16-year record

16 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
KINS, 16-year financial record
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.20.20.10.10.20.10.10.10.10.10.10.10.00.00.00.0
Operating income $B0.10.0−0.0−0.0◌◌◌◌◌◌◌◌◌◌◌◌
EBITDA $B0.10.0−0.0−0.0◌◌◌◌◌◌◌◌◌◌◌◌
Income tax $B0.00.0−0.0−0.0−0.0−0.0−0.0−0.00.00.00.00.00.00.00.00.0
Net income $B0.00.0−0.0−0.0−0.00.0−0.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.10.1−0.0−0.00.0−0.00.00.00.00.00.00.0◌◌◌◌
EPS, diluted $2.881.48−0.57−2.12−0.700.09−0.550.290.941.140.940.720.500.200.640.29
Dividend / sh $0.100.000.000.120.160.180.33◌◌◌◌◌◌◌◌◌
Payout %30−0−6−23201−591383222222530709—
ROE %43.036.3−17.5−40.3−8.81.1−6.73.413.217.516.214.07.74.917.77.6
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.010.000.000.00

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Three checks were skipped: EPS is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFire, Marine & Casualty Insurance
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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