Kingstone Companies, Inc. (KINS)

Kingstone Companies Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	173.63	128.5	114.38	114.38	143.88	108.08
Total Interest & Dividend Income	8.75	6.82	6.01	4.94	6.62	6.51
Gain (Loss) on Sale of Investments	-0.31	0.41	2.13	-9.39	9.79	1.59
Other Revenue	16.51	19.41	21.66	20.23	0.94	15.19
Total Revenue	198.58	155.14	144.19	130.16	161.23	131.37
Revenue Growth (YoY)	32.70%	7.60%	10.78%	-19.27%	22.73%	-9.47%
Policy Benefits	83.84	62.63	82.85	88.39	101.97	66.43
Policy Acquisition & Underwriting Costs	69.57	59.58	59.11	61.11	59.12	57.01
Depreciation & Amortization	2.5	2.45	2.97	3.3	3.29	2.86
Selling, General & Administrative	0.03	0.04	0.17	0.17	0.25	0.25
Other Operating Expenses	2.74	2.25	1.62	1.72	2.28	2.51
Total Operating Expenses	160.39	128.34	147.55	156.08	168.81	130.83
Operating Income	38.19	26.8	-3.36	-25.92	-7.58	0.54
Interest Expense	-1.01	-3.51	-4	-2.02	-1.83	-1.83
EBT Excluding Unusual Items	37.18	23.29	-7.37	-27.94	-9.41	-1.29
Other Unusual Items	0.12	-	-	-	-	-
Pretax Income	39.27	23.29	-7.37	-27.94	-9.41	-1.29
Income Tax Expense	7.82	4.93	-1.2	-5.42	-2.03	-2.26
Net Income	31.45	18.36	-6.17	-22.52	-7.38	0.97
Net Income to Common	31.45	18.36	-6.17	-22.52	-7.38	0.97
Net Income Growth	98.20%	-	-	-	-	-
Shares Outstanding (Basic)	14	11	11	11	11	11
Shares Outstanding (Diluted)	14	12	11	11	11	11
Shares Change (YoY)	17.57%	15.50%	1.04%	0.54%	-1.33%	-0.40%
EPS (Basic)	2.33	1.60	-0.57	-2.12	-0.70	0.09
EPS (Diluted)	2.26	1.48	-0.57	-2.12	-0.70	0.09
EPS Growth	69.11%	-	-	-	-	-
Free Cash Flow	73.36	55.61	-13.15	-5.47	19.85	-13.56
Free Cash Flow Per Share	5.25	4.48	-1.22	-0.51	1.88	-1.26
Dividend Per Share	0.050	-	-	0.120	0.160	0.182
Dividend Growth	-	-	-	-25.00%	-12.33%	-43.85%
Operating Margin	19.23%	17.28%	-2.33%	-19.92%	-4.70%	0.41%
Profit Margin	15.83%	11.83%	-4.28%	-17.31%	-4.58%	0.74%
Free Cash Flow Margin	36.94%	35.84%	-9.12%	-4.20%	12.31%	-10.32%
EBITDA	40.68	29.25	-0.39	-22.62	-4.29	3.4
EBITDA Margin	20.49%	18.85%	-0.27%	-17.38%	-2.66%	2.59%
D&A For EBITDA	2.5	2.45	2.97	3.3	3.29	2.86
EBIT	38.19	26.8	-3.36	-25.92	-7.58	0.54
EBIT Margin	19.23%	17.28%	-2.33%	-19.92%	-4.70%	0.41%
Effective Tax Rate	19.92%	21.17%	-	-	-	-
Revenue as Reported	200.55	155.14	144.19	130.16	161.23	131.37

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q