KINS - NASDAQ

Kingstone Companies, Inc.

KINS·NASDAQ

$15.24

+1.7%

Financial ServicesInsurance - Property & Casualty

Kingstone Companies, Inc., through its subsidiary, Kingstone Insurance Company, underwrites property and casualty insurance products to individuals in New York. The company offers personal line of insurance products, including homeowners and dwelling fire multi-peril, cooperative/condominiums, renters, and personal umbrella policies. It also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies, as well as reinsurance products. It sells its products through retail and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is headquartered in Kingston, New York.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$220.75M

EPS2.9300

P/E Ratio5.20

Earnings Date08/06/2026

453.43M

Assets

21%

3Y+42.0%

5Y+43.0%

10Y+168.0%

330.69M

Total Liabilities

3Y+16.0%

5Y+47.0%

10Y+193.0%

122.73M

Total Equity

84%

3Y+239.0%

5Y+32.0%

10Y+117.0%

Kingstone Companies, Inc. Funding & Solvency Profile

KINS · NASDAQ

Current Assets

Cash & Cash Equivalents12.18M

Net Receivables80.01M

Inventory0.00

Other Current Assets0.00

Total Current Assets383 M

Non-Current Assets

Property, Plant & Equipment7.90M

Goodwill & Intangible Assets28.37M

Long-Term Investments20.65M

Other Non-Current Assets8.96M

Total Non-Current Assets38 M

Total Assets

453.43M

Financial Health Analysis

Current Ratio

1.22x

Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.

Debt-to-Equity Ratio

2.69x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

68 M

Positive working capital, but relatively tight. The company should monitor cash flow carefully.

Asset Composition

85% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Kingstone Companies, Inc. Balance Sheet

KINS • NASDAQ

Kingstone Companies, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	12.2M	28.7M	9M	12M	24.3M	19.5M	32.4M	21.1M	48.4M	12M	13.6M	9.9M	19.9M	2.2M	173.1K	326.6K	625.3K	142.9K	1M	1.2M
Short-Term Investments	289M	0.0	148.9M	154.7M	158.1M	157.5M	168.2M	168.4M	134.3M	90.4M	71.7M	59.1M	35.2M	31.5M	26.6M	19.3M	15.2M	0.0	0.0	0.0
Cash & Short-Term Investments	301.2M	28.7M	157.9M	166.7M	182.4M	177M	200.6M	189.5M	182.7M	102.5M	85.3M	69M	55.2M	33.7M	26.8M	19.6M	15.8M	142.9K	1M	1.2M
Net Receivables	80M	91.1M	89.2M	80.3M	52.6M	57.3M	53.5M	40.3M	43.7M	43.8M	41.9M	45.8M	46.1M	47M	31.8M	27.6M	4.5B	201.8K	801.7K	16.2M
Accounts Receivables	80M	91.1M	89.2M	80.3M	52.6M	57.3M	53.5M	40.3M	41.7M	43.8M	41.9M	45.8M	46.1M	46.7M	31.4M	26.9M	25.9M	201.8K	801.7K	14.8M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	135.3K	0.0	0.0	1.4M
Prepaids	2.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	130.5K	290.9K	88.4K
Other Current Assets	0.0	-91.1M	-247.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.1M	2.9M	16.4M	15.3M
Total Current Assets	383.4M	28.7M	0.0	247M	235M	234.3M	254.1M	229.8M	226.4M	146.3M	127.1M	114.9M	101.3M	80.7M	58.6M	47.3M	44.1M	3.3M	14.5M	17.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	7.9M	9.3M	9.4M	10.5M	9.3M	8.1M	7.6M	6.1M	4.8M	3M	3.2M	2.4M	2M	1.9M	1.6M	1.6M	1.7M	90.5K	464.8K	356.1K
Goodwill	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.6M	2.6M
Intangible Assets	28.4M	500K	500K	24.3M	22.7M	20.6M	21.1M	18.6M	15.9M	13.6M	12.6M	11.2M	9.6M	8.8M	3.7M	4.1M	4.6M	0.0	150.9K	348.8K
Goodwill & Intangible Assets	28.4M	500K	500K	24.3M	22.7M	20.6M	21.1M	18.6M	15.9M	13.6M	12.6M	11.2M	9.6M	8.8M	3.7M	4.1M	4.6M	-184M	2.8M	3M
Long-Term Investments	20.7M	21.7M	170.7M	24.4M	55.5M	45.3M	31.1M	6.1M	4.9M	5.1M	5.1M	5.1M	2.4M	606.3K	606.2K	605.4K	0.0	0.0	0.0	0.0
Tax Assets	4.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	9M	314.7M	-180.6M	14.1M	8.8M	9.3M	7.3M	6.2M	2.7M	1.4M	1.1M	1.3M	1.5M	1.6M	5.2M	5.1M	2.3M	190.1M	5.5M	4.7M
Total Non-Current Assets	70.1M	346.2M	0.0	73.3M	96.3M	83.3M	67.1M	36.9M	28.2M	23.1M	22M	20.1M	15.5M	12.8M	11.1M	11.4M	8.5M	6.2M	8.8M	8M
Other Assets	0.0	0.0	317.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	453.4M	374.9M	317.6M	320.3M	331.3M	317.6M	321.2M	266.8M	254.5M	169.4M	149.1M	135M	116.8M	93.5M	69.7M	58.7M	52.6M	9.4M	23.2M	25.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	8.1M	10.5M	12.8M	13.1M	13M	7M	11.7M	1.9M	2.6M	2.1M	2M	2.1M	2.6M	1.8M	2.8M	1.1M	1.9M	966.7K	257.7K	456K
Accounts Payable	5.2M	10.5M	12.8M	13.1M	13M	7M	11.7M	1.9M	2.6M	2.1M	1.7M	2.1M	2.6M	1.8M	2.8M	1.1M	1.9M	0.0	257.7K	456K
Other Payables	2.8M	0.0	0.0	0.0	0.0	0.0	0.0	15K	0.0	0.0	263.6K	0.0	0.0	0.0	0.0	0.0	0.0	966.7K	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	599.3K	0.0	115.9M	98.2M	90M	81.4M	0.0	0.0	0.0	0.0	0.0	508.1K	312.7K	557.2K
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	450K	300K	1.5M	0.0	1.6M	2.1M	11.6M
Capital Lease Obligations (Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	11K	24.5K	22.3K	0.0	0.0
Tax Payables	2.8B	0.0	0.0	0.0	0.0	0.0	0.0	15K	0.0	0.0	263.6K	0.0	0.0	0.0	85.4K	0.0	0.0	0.0	0.0	0.0
Deferred Revenue	158M	11.5B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	148.9M	-11.5B	-12.8M	0.0	0.0	0.0	9.4M	15.6M	-98.4M	-85.1M	-78.4M	-71.4M	76.6M	15.8M	4.5M	8.6M	7.2M	-2.1M	13.5M	3.2M
Total Current Liabilities	315M	10.5M	0.0	13.1M	13M	7M	21.7M	17.5M	20.1M	15.2M	13.6M	12M	79.2M	18M	7.6M	11.1M	9.1M	6.6M	32.4M	31.1M
NON-CURRENT LIABILITIES
Long Term Debt	4.4M	11.2M	25.2M	25.2M	29.8M	29.6M	29.5M	29.3M	29.1M	0.0	0.0	0.0	0.0	747K	747K	11K	1.1M	379.8K	499.1K	3.2M
Deferred Revenue (Non-Current)	8.4M	11.5M	9.5M	10.6M	9.7M	93.5K	7.7M	2.7M	4.3M	6.9M	6.4M	6M	7M	4.9M	4M	3.2M	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	4.2M	0.0	15K	600.3K	166.9K	672.2K	1.1M	693.1K	1.8M	1.8M	2M	1.2M	184K	408K	396K
Other Non-Current Liabilities	2.9M	275M	-34.7M	235.3M	203.1M	183.9M	174.1M	128.6M	105.9M	90.6M	83.2M	75.4M	-5.8M	51.8M	40.3M	29.4M	27.6M	2.8M	105K	0.0
Total Non-Current Liabilities	15.7M	297.7M	0.0	271.1M	242.7M	217.8M	211.3M	160.6M	139.9M	97.6M	90.3M	82.4M	1.9M	59.2M	46.8M	34.6M	33.2M	-2.5M	-15.3M	-11.7M
Other Liabilities	0.0	0.0	283.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	11K	35.6K	0.0	0.0	0.0
Total Liabilities	330.7M	308.2M	283.1M	284.2M	255.6M	224.8M	233M	178.1M	160M	112.8M	103.9M	94.5M	81.1M	77.2M	54.4M	45.7M	42.3M	4.2M	17.1M	19.4M
SHAREHOLDERS' EQUITY
Treasury Stock	-5.6M	-5.6M	-5.6M	-5.6M	-5.6M	-3.9M	-2.7M	-2.7M	-2.2M	-2M	-1.9M	-1.6M	-1.6M	-1.4M	-1.4M	-1.2M	-1.2M	-1.2M	-1.2M	-1.2M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	780M	780K	0.0
Common Stock	159.2K	144.5K	122.5K	121.7K	119.6K	118.7K	118.2K	117.8K	116.2K	89K	82.9K	82.4K	81.9K	47.3K	46.4K	46.4K	38K	37.9K	37.5K	36.7K
Additional Paid-In Capital	99.6M	89.1M	75.3M	74.5M	72.5M	70.8M	69.1M	67.8M	68.4M	38M	33M	32.9M	32.7M	13.9M	13.7M	13.6M	12.1M	12M	11.9M	11.6M
Retained Earnings	34.6M	-4.8M	-23.1M	-16.9M	6.9M	15.9M	16.9M	26.4M	27.2M	20.6M	13.6M	8.2M	4.2M	2.8M	2.6M	281.5K	-701.6K	-5.5M	-4.5M	-4.5M
Accumulated Other Comprehensive Income/Loss	-6.1M	-12.2M	-12.3M	-16M	1.8M	9.9M	4.8M	-2.9M	1.1M	72.9K	484.2K	946.3K	305.2K	1M	370.4K	145.2K	216.1K	-780M	-2M	-1.8M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	780M	0.0	0.0
Total Stockholders' Equity	122.7M	66.7M	34.5M	36.2M	75.7M	92.8M	88.2M	88.7M	94.6M	56.7M	45.3M	40.5M	35.7M	16.3M	15.3M	12.9M	10.4M	5.3M	6.2M	6M
Total Equity	122.7M	66.7M	34.5M	36.2M	75.7M	92.8M	88.2M	88.7M	94.6M	56.7M	45.3M	40.5M	35.7M	16.3M	15.3M	12.9M	10.4M	5.3M	6.2M	6M
SUMMARY
Total Liabilities & Equity	453.4M	374.9M	317.6M	320.3M	331.3M	317.6M	321.2M	266.8M	254.5M	169.4M	149.1M	135M	116.8M	93.5M	69.7M	58.7M	52.6M	9.4M	23.2M	25.4M
Total Investments	309.7M	21.7M	174.6M	179.1M	213.6M	202.9M	199.3M	174.4M	139.1M	95.5M	76.8M	64.3M	37.6M	32.1M	27.2M	19.9M	15.2M	0.0	0.0	0.0
Total Debt	4.4M	11.2M	25.2M	25.2M	29.8M	29.6M	29.5M	29.3M	29.1M	0.0	0.0	0.0	0.0	1.2M	1M	1.5M	1.1M	2M	2.6M	14M
Net Debt	-7.7M	-17.5M	16.3M	13.2M	5.5M	10.2M	-2.9M	8.2M	-19.3M	-12M	-13.6M	-9.9M	-19.9M	-1M	873.9K	1.1M	460.3K	1.9M	1.6M	12.8M
Shares Outstanding	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604	14,140,604

SEC Filings

KINS - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 20, 2026	May 19, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 17, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 17, 2026	April 16, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 02, 2026	April 01, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 05, 2026	March 05, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 04, 2026	February 04, 2026	2026	View Filing

Showing 1 to 10 of 430 filings

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