Kingstone Companies, Inc. (KINS)

Kingstone Companies Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Premiums Earned	187.13	128.5	114.38	114.38	143.88
Investment Income	9.8	6.82	6.01	4.94	6.62
Net Gains on Investments	1.66	0.41	2.13	-9.39	9.79
Total Other Revenues	16.29	19.41	21.66	20.23	0.94
Revenue	214.87	155.14	144.19	130.16	161.23
Revenue Growth (YoY)	38.50%	7.60%	10.78%	-19.27%	22.73%
Insurance Benefits & Claims	84.27	62.63	82.85	88.39	101.97
Policy Amortization Costs	72.45	59.62	59.27	61.28	59.37
Other Operating Expenses	6.67	6.08	5.43	6.41	7.47
Operating Income	51.49	26.8	-3.36	-25.92	-7.58
Interest Expense	-0.45	-3.51	-4	-2.02	-1.83
Total Non-Operating Income (Expense)	-0.45	-3.51	-4	-2.02	-1.83
Pretax Income	51.05	23.29	-7.37	-27.94	-9.41
Provision for Income Taxes	10.28	4.93	-1.2	5.42	2.03
Net Income	40.77	18.36	-6.17	-22.52	-7.38
Net Income to Common	40.77	18.36	-6.17	-22.52	-7.38
Net Income Growth	122.06%	-	-	-	-
Shares Outstanding (Basic)	14	11	11	11	11
Shares Outstanding (Diluted)	14	12	11	11	11
Shares Change (YoY)	13.84%	15.50%	1.04%	0.54%	-1.33%
EPS (Basic)	2.93	1.60	-0.57	-2.12	-0.70
EPS (Diluted)	2.88	1.48	-0.57	-2.12	-0.70
EPS Growth	94.59%	-	-	-	-
Free Cash Flow	0	55.61	-13.15	-5.47	19.85
Free Cash Flow Per Share	-	4.48	-1.22	-0.51	1.87
Dividends Per Share	0.100	-	-	0.120	0.160
Dividend Growth	-	-	-	-25.00%	-12.33%
Operating Margin	23.96%	17.28%	-2.33%	-19.92%	-4.70%
Profit Margin	18.97%	11.83%	-4.28%	-17.31%	-4.58%
FCF Margin	0.00%	35.84%	-9.12%	-4.20%	12.31%
EBITDA	51.49	29.25	-0.39	-22.62	-4.29
EBITDA Margin	23.96%	18.85%	-0.27%	-17.38%	-2.66%
EBIT	51.49	26.8	-3.36	-25.92	-7.58
EBIT Margin	23.96%	17.28%	-2.33%	-19.92%	-4.70%
Effective Tax Rate	20.14%	21.17%	16.25%	-19.39%	-21.59%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q