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Stocks · Financials · Fire, Marine & Casualty Insurance

KINGSTONE COMPANIES, INC.

KINS Clue Score80
United States Fiscal year ends December CIK 0000033992
$18.77 +1.49% Close, 12 Oct 2026
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Price $18.77 +184.32% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue77.4Net income8.9EPS, diluted1.14Fiscal year 2017Revenue92.8 +19.8%Net income10.0 +12.2%EPS, diluted0.94 −17.5%Fiscal year 2018Revenue113.8 +22.6%Net income3.1 −69.0%EPS, diluted0.29 −69.1%Fiscal year 2019Revenue145.1 +27.6%Net income−6.0 −292.9%EPS, diluted−0.55 −289.7%Fiscal year 2020Revenue131.4 −9.5%Net income1.0EPS, diluted0.09Fiscal year 2021Revenue161.2 +22.7%Net income−7.4 −858.8%EPS, diluted−0.70 −877.8%Fiscal year 2022Revenue130.2 −19.3%Net income−22.5EPS, diluted−2.12Fiscal year 2023Revenue144.2 +10.8%Net income−6.2EPS, diluted−0.57Fiscal year 2024Revenue155.1 +7.6%Net income18.4EPS, diluted1.48Fiscal year 2025Revenue214.9 +38.5%Net income40.8 +122.1%EPS, diluted2.88 +94.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 77.4 92.8 113.8 145.1 131.4 161.2 130.2 144.2 155.1 214.9
Growth +19.8% +22.6% +27.6% −9.5% +22.7% −19.3% +10.8% +7.6% +38.5%
Net income 8.9 10.0 3.1 −6.0 1.0 −7.4 −22.5 −6.2 18.4 40.8
Growth +12.2% −69.0% −292.9% −858.8% +122.1%
EPS, diluted 1.14 0.94 0.29 −0.55 0.09 −0.70 −2.12 −0.57 1.48 2.88
Growth −17.5% −69.1% −289.7% −877.8% +94.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin11.5%Free cash flow margin18.9%Fiscal year 2017Net margin10.8%Free cash flow margin27.2%Fiscal year 2018Net margin2.7%Free cash flow margin17.2%Fiscal year 2019Net margin−4.1%Free cash flow margin17.9%Fiscal year 2020Net margin0.7%Free cash flow margin−10.3%Fiscal year 2021Net margin−4.6%Free cash flow margin12.3%Fiscal year 2022Net margin−17.3%Free cash flow margin−4.2%Fiscal year 2023Net margin−4.3%Free cash flow margin−9.1%Fiscal year 2024Net margin11.8%Free cash flow margin35.8%Fiscal year 2025Net margin19.0%Free cash flow margin34.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 11.5% 10.8% 2.7% −4.1% 0.7% −4.6% −17.3% −4.3% 11.8% 19.0%
Free cash flow margin 18.9% 27.2% 17.2% 17.9% −10.3% 12.3% −4.2% −9.1% 35.8% 34.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow15.2Capital expenditure−0.6Free cash flow14.6Buybacks−0.1Dividends paid−1.9Fiscal year 2017Operating cash flow28.0Capital expenditure−2.8Free cash flow25.2 +72.5%Buybacks−0.2Dividends paid−3.2Fiscal year 2018Operating cash flow22.3Capital expenditure−2.7Free cash flow19.6 −22.4%Buybacks−0.5Dividends paid−4.3Fiscal year 2019Operating cash flow29.9Capital expenditure−3.9Free cash flow25.9 +32.5%Buybacks0.0Dividends paid−3.5Fiscal year 2020Operating cash flow−10.2Capital expenditure−3.3Free cash flow−13.6 −152.3%Buybacks−1.2Dividends paid−2.0Fiscal year 2021Operating cash flow24.3Capital expenditure−4.5Free cash flow19.8Buybacks−1.7Dividends paid−1.7Fiscal year 2022Operating cash flow−0.9Capital expenditure−4.6Free cash flow−5.5 −127.5%Buybacks0.0Dividends paid−1.3Fiscal year 2023Operating cash flow−11.3Capital expenditure−1.8Free cash flow−13.2Dividends paid0.0Fiscal year 2024Operating cash flow57.9Capital expenditure−2.3Free cash flow55.6Dividends paid0.0Fiscal year 2025Operating cash flow75.9Capital expenditure−2.8Free cash flow73.1 +31.4%Dividends paid−1.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 15.2 28.0 22.3 29.9 −10.2 24.3 −0.9 −11.3 57.9 75.9
Capital expenditure −0.6 −2.8 −2.7 −3.9 −3.3 −4.5 −4.6 −1.8 −2.3 −2.8
Free cash flow 14.6 25.2 19.6 25.9 −13.6 19.8 −5.5 −13.2 55.6 73.1
Growth +72.5% −22.4% +32.5% −152.3% −127.5% +31.4%
Buybacks −0.1 −0.2 −0.5 0.0 −1.2 −1.7 0.0 n/a n/a n/a
Dividends paid −1.9 −3.2 −4.3 −3.5 −2.0 −1.7 −1.3 0.0 0.0 −1.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash12.0Total debt0.0Net cash (debt)12.0Shareholders’ equity56.7Debt to equity0.00Fiscal year 2017Cash48.4Total debt29.1Net cash (debt)19.3Shareholders’ equity94.6Debt to equity0.31Fiscal year 2018Cash21.1Total debt29.3Net cash (debt)−8.2Shareholders’ equity88.7Debt to equity0.33Fiscal year 2019Cash32.4Total debt29.5Net cash (debt)2.9Shareholders’ equity88.2Debt to equity0.33Fiscal year 2020Cash19.5Total debt29.6Net cash (debt)−10.2Shareholders’ equity92.8Debt to equity0.32Fiscal year 2021Cash24.3Total debt17.3Net cash (debt)7.0Shareholders’ equity75.7Debt to equity0.23Fiscal year 2022Cash12.0Total debt25.2Net cash (debt)−13.2Shareholders’ equity36.2Debt to equity0.70Fiscal year 2023Cash9.0Total debt25.2Net cash (debt)−16.3Shareholders’ equity34.5Debt to equity0.73Fiscal year 2024Cash28.7Total debt11.2Net cash (debt)17.5Shareholders’ equity66.7Debt to equity0.17Fiscal year 2025Cash12.2Total debt4.4Net cash (debt)7.7Shareholders’ equity122.7Debt to equity0.04
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 12.0 48.4 21.1 32.4 19.5 24.3 12.0 9.0 28.7 12.2
Total debt 0.0 29.1 29.3 29.5 29.6 17.3 25.2 25.2 11.2 4.4
Net cash (debt) 12.0 19.3 −8.2 2.9 −10.2 7.0 −13.2 −16.3 17.5 7.7
Shareholders’ equity 56.7 94.6 88.7 88.2 92.8 75.7 36.2 34.5 66.7 122.7
Debt to equity 0.00 0.31 0.33 0.33 0.32 0.23 0.70 0.73 0.17 0.04

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
17.3% 15.4% 2.6% −5.4% −1.0% −5.8% −21.5% −5.1% 15.0% 23.8%
11.5% 10.8% 2.7% −4.1% 0.7% −4.6% −17.3% −4.3% 11.8% 19.0%
18.9% 27.2% 17.2% 17.9% −10.3% 12.3% −4.2% −9.1% 35.8% 34.0%
Spending
0.7% 3.0% 2.4% 2.7% 2.5% 2.8% 3.5% 1.3% 1.5% 1.3%
33.7% 30.2% −2.9% n/a n/a n/a n/a n/a 21.2% 20.1%
Returns
15.7% 10.6% 3.5% −6.8% 1.0% −9.8% −62.3% −17.9% 27.5% 33.2%
5.3% 3.9% 1.2% −1.9% 0.3% −2.2% −7.0% −1.9% 4.9% 9.0%
Balance and payout
0.00 0.31 0.33 0.33 0.32 0.23 0.70 0.73 0.17 0.04
66.5% 62.8% 66.8% 72.5% 70.8% 77.2% 88.7% 89.1% 82.2% 72.9%
21.8% 32.2% 138.3% n/a 201.3% n/a n/a n/a 0.0% 3.5%
14.0% 13.4% 24.6% 13.5% n/a 17.0% n/a n/a 0.0% 1.9%