
Kingstone Companies, Inc. (KINS) Q4 2025 Earnings Call Transcript
Kingstone Companies, Inc. (KINS) Q4 2025 Earnings Call Transcript
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Kingstone Companies, Inc. (KINS) Q4 2025 Earnings Call Transcript

Strongest Quarterly and Annual Results in Company History Q4 GAAP Net Combined Ratio of 64.2% | Q4 Diluted EPS of $1.03 | Q4 Annualized ROE of 51.3% Q4 Diluted Operating EPS1 of $1.08 | FY Net Income of $40.8M, up 122% | FY Book Value per Share of $8.28 up 75% Net Premiums Earned Growth of 46% for FY 2025 |Direct Premiums Written Growth1 of 15% for FY 2025 Updates 2026 Guidance Management to Host Conference Call Tomorrow at 8:30 a.m. Eastern Time KINGSTON, N.Y.

Kingstone Companies, Inc. has executed a successful turnaround, now operating at an ~76% combined ratio and ~41% ROE, with a focused NY coastal homeowners strategy. KINS capitalizes on major competitor exits, a disciplined underwriting approach, and broker relationships, capturing premium growth and maintaining pricing power. Management guides for 15% premium growth and 41% ROE in 2025, likely achieving over $3 EPS in 2026, with multi-state expansion and reinsurance protection supporting durable margins.

Strongest Quarterly and Annual Results in Company History Q4 GAAP Net Combined Ratio in the range of 64% to 66% | Q4 Operating net income per diluted share1 in the range of $1.03 to $1.08 | Q4 ROE in the range of 49% to 51% Schedules Fourth Quarter Earnings Conference Call on Friday, March 6, at 8:30am ET KINGSTON, N.Y., Feb. 04, 2026 (GLOBE NEWSWIRE) -- Kingstone Companies, Inc. (Nasdaq: KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today reported preliminary financial results for the fourth quarter and full year ended December 31, 2025.

KINGSTON, N.Y., Jan. 30, 2026 (GLOBE NEWSWIRE) -- Kingstone Companies, Inc. (Nasdaq: KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced that its Board of Directors has declared a quarterly cash dividend of $0.05 per share of common stock.

Kingstone (KINS) is executing a turnaround with portfolio refocusing, improved risk selection, and cost reductions, driving strong Q3 results and growth plans. KINS reported a top and bottom line beat in Q3, with 14% gross premium growth and a net combined ratio of 72.7%, aided by low catastrophe losses. Management raised 2025 guidance, but signs of claims inflation and flattening rates warrant close monitoring, especially if attritional losses persist in Q4.

Kingstone Companies, Inc. ( KINS ) Q3 2025 Earnings Call November 7, 2025 8:30 AM EST Company Participants Meryl Golden - President, CEO & Director Randy Patten - Chief Financial Officer Conference Call Participants Robert Farnam - Janney Montgomery Scott LLC, Research Division Gabriel McClure Presentation Operator Greetings. Welcome to Kingstone Companies' Third Quarter 2025 Earnings Conference Call.

Direct Premiums Written Grow 14% and Net Income Increases 56% to $10.9 Million Management to Host Conference Call Tomorrow at 8:30 a.m. Eastern Time KINGSTON, N.Y.

Y Intercept Hong Kong Ltd bought a new position in Kingstone Companies, Inc (NASDAQ: KINS) during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund bought 51,969 shares of the insurance provider's stock, valued at approximately $801,000. Y Intercept Hong Kong Ltd owned 0.37%

KINGSTON, NEW YORK / ACCESS Newswire / October 31, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced that its Board of Directors has declared a quarterly cash dividend of $0.05 per share of common stock. The Company will pay the dividend on November 26, 2025, to stockholders of record at the close of business on November 11, 2025.

I review four growth stocks—Argan, Inc., Power Solutions International, Inc., Powell Industries, Inc., and Sterling Infrastructure, Inc.—benefiting from the Fourth Industrial Revolution. STRL and PSIX receive Strong Buy ratings due to robust earnings growth, expanding backlogs, and strong industry tailwinds, while POWL and AGX are rated Hold as valuations reflect future growth. POWL and AGX have delivered impressive returns but may face near-term pullbacks; both maintain strong backlogs and financial health, supporting multi-year growth potential.

HRTG's strong rebound, disciplined underwriting, and cost-effective reinsurance make it a more compelling pick than KINS for higher returns.

KINGSTON, NEW YORK / ACCESS Newswire / October 16, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) ("Kingstone" or the "Company"), a Northeast regional property and casualty insurance holding company, today announced that it will issue financial results for the third quarter ended September 30, 2025, after the market closes on Thursday, November 6, 2025. Management will host a conference call to discuss the Company's business operations and financial results at 8:30am ET on Friday, November 7, 2025.

Kingstone aims to double in size with $0.5B in premiums, but faces concentration risks despite stronger profitability and expansion plans.

Kingstone Companies is refocusing on homeowners insurance in New York, exiting non-core lines to improve capital efficiency and market understanding. KINS launched a Select homeowners product using advanced underwriting techniques, resulting in ~31% lower claim frequency and a significantly reduced expense ratio since 2021. The company diversified reinsurance by issuing its first catastrophe bond, aiming to reduce loss volatility and strengthen financial resilience.

KINGSTON, NEW YORK / ACCESS Newswire / September 24, 2025 / Kingstone Companies, Inc. (NASDAQ:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced financial guidance for fiscal year 2026 and additional guidance for fiscal year 2025, as follows: Guidance Metrics 2025E 2026E Direct premiums written growth 12% to 17% 15% to 20% Core Business1 direct premiums written growth 15% to 20% NA2 Net premiums earned $187 million $233 million Net combined ratio 79% to 83% 79% to 83% Net income per share - basic $2.10 to $2.50 $2.15 to $2.85 Net income per share - diluted $1.95 to $2.35 $2.10 to $2.80 Return on equity 30% to 38% 26% to 36% 1Kingstone refers to New York business as its "Core" business and business outside of New York as its "Non-Core" business. 2Beginning with the period ending September 30, 2025, the Company will no longer be reporting Core operating results vs.

KINGSTON, NEW YORK / ACCESS Newswire / September 10, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) ("Kingstone" or the "Company"), a Northeast regional property and casualty insurance holding company, today announced that Meryl Golden, President and Chief Executive Officer, will present at the Sidoti Small-Cap Virtual Conference on Wednesday, September 17, 2025, at 10:45 AM ET. Investors can access the live webcast of the presentation by registering here.

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Kingstone has executed a strong turnaround, returning to profitability through disciplined underwriting, cost control, and focused risk selection in New York. Management's bold growth strategy—doubling premiums and expanding into new states—has spooked the market, despite strong Q2 results and reaffirmed guidance. Key leadership hires add expertise in M&A and data-driven underwriting, positioning KINS as a potential M&A target and supporting the ambitious expansion plan.

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.