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Kingstone Companies Inc

Kingstone Companies Inc

KINS
$20.09USD↑+1.72%+0.34 today

MARKET CAP

291.0M

P/E (TTM)

9.1x

FWD P/E

6.8x

DAY RANGE

$20 – $20

52W RANGE

$13
$21

AI Summary

Stalk
Buy NowMedium

KINS remains in a Stage 2 advancing uptrend with a strong parabolic acceleration, yet it has pulled back and held within the rising 9/21 EMA zone, demonstrating support acceptance and asymmetric entry potential for trend continuation despite extreme overbought conditions.

  • ↑Q2 net income +150% YoY to $11.3M; EPS $0.78; ROE 50.8%.
  • ↑Management targets 15–20% direct premium growth; combined ratio 74–76%.
  • ↓Q1 net loss $5.8M driven by 11 winter catastrophes; combined ratio 112%.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Kingstone Companies, Inc. (NASDAQ: KINS) is a property and casualty insurance provider focusing on personal lines, primarily in the northeastern United States. The company is positioned uniquely in the insurance market as it expands into California and seeks to enhance its footprint through strategic entry and operational efficiencies. Kingstone aims to capitalize on the tightening homeowners insurance market while navigating challenges posed by competition and catastrophe exposures.

Bull says

  • ↑Q2 net income +150% YoY to $11.3M; EPS $0.78; ROE 50.8%.
  • ↑Management targets 15–20% direct premium growth; combined ratio 74–76%.
  • ↑Entry into California market expected to drive significant new premium.
  • ↑Debt-free balance sheet and strong liquidity support growth initiatives.
  • ↑Winter‐storm reinsurance in place to cap catastrophe losses.
  • ↑High earnings yield with positive growth and profitability factors.

Bear says

  • ↓Q1 net loss $5.8M driven by 11 winter catastrophes; combined ratio 112%.
  • ↓Rising competition in New York and California may compress margins.
  • ↓Negative dividend yield and Russell 3000 removal hurt investor sentiment.
  • ↓Negative analyst revisions signal lowered future earnings expectations.
  • ↓Regulatory and execution risks could slow California expansion.
  • ↓High catastrophe exposure and competition may pressure profitability.

Investment themes with KINS

P&C Insurance↑ +0.45%

GWRE · MBI · HCI
Lumida 2026 Picks↑ +3.20%

PAGS · CMCSA · PGR

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-08-2026neutral

Transcript signals

Bull points

  • Our underlying combined ratio improved by 5.1 points year-over-year to 88.3. The underlying loss ratio improved by over 4 points to 57.9. The expense ratio improved by about a point to 30.4. Direct premiums written grew by almost 20%. Net premiums earned grew by 28%. Investment income increased by 63%.
  • The 20% growth in direct premium written was driven by continued momentum in our New York personal lines business with new business policies growing 19% year over year, average renewal premium up 10%, and retention increasing by about a point.
  • we believe California can become a significant contributor to our growth and profit long term.

Bear points

  • Our gap net combined ratio for the first quarter was a 112, and we had a net loss of 5.8 million, or 40 cents per diluted share.
  • net loss of $5.8 million, a diluted loss per share of $0.40, 112% combined ratio, and an annualized return on equity of minus 19.6%
  • our reported net combined ratio of 112% compared to 93.7% in the prior year quarter reflects an exceptionally severe winter season
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