The earnings call reflects a strong performance with continued profitability, strategic growth, and improved financial health. However, there are concerns about increased fire losses and challenges in rate matching with new transactions. The overall sentiment is slightly positive due to the significant growth and strategic advancements despite some challenges.

Company Guidance -

Q2 2025

During the Kingstone Companies First Quarter 2025 Earnings Conference Call, CEO Meryl Golden provided guidance on several key metrics. The company reported an 18% growth in direct written premiums, with a 23% increase in their core business. Net income for the quarter was $3.9 million, equating to $0.27 per diluted share. The Select homeowners' program showed a frequency decrease, now at 1.6% compared to the legacy product's 2.3%. The company expects to benefit from a renewal rights agreement with AmGUARD, estimating $25 million to $35 million in premiums over a 12-month period. Despite a 3.3 percentage point increase in attritional losses, catastrophe losses decreased by 3.5 points. The company's combined ratio stood at 93.7%, with operating income up by $1.6 million to $2.4 million. Additionally, Kingstone announced the sale of its headquarters, resulting in a one-time after-tax gain of $1.5 million, and paid off its holding company debt, saving $800,000 in annual interest. They also reported a 36% increase in net investment income, reaching $2 million for the quarter. The company reaffirmed its calendar year 2025 guidance, expressing optimism about continued growth and profitability.

Sixth Consecutive Quarter of Profitability

Kingstone reported its sixth consecutive quarter of profitability, with an 18% growth in direct written premiums and net income of $3.9 million, or $0.27 per diluted share.

Growth in Core Business

The core business saw a 23% growth in direct written premiums, led by a 68% increase in new business count and a 19% higher renewal average premium.

Successful Renewal Rights Transaction

Kingstone executed a renewal rights agreement with AmGUARD, providing competitive advantages and expected to contribute $25 million to $35 million in premiums over a 12-month period.

Improved Select Homeowners Program

The Select homeowners program's cumulative frequency decreased for 13 straight quarters, with frequency at 1.6% compared to 2.3% for the legacy product.

Strong Investment Income

Net investment income increased by 36% to $2 million, supported by strong cash generation and strategic investment in fixed-income securities.

Healthy Financial Position

Kingstone finalized the sale of its headquarters, resulting in a $1.5 million after-tax gain, and fully paid off holding company debt, saving over $800,000 in annual interest.

Kingstone Companies (KINS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

KINS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 07, 2025	2025 (Q2)	0.55 / -	0.39	―	―	―
May 08, 2025	2025 (Q1)	0.00 / 0.17	0.07	142.86% (+0.10)
Mar 13, 2025	2024 (Q4)	0.46 / 0.46	0.15	206.67% (+0.31)
Nov 12, 2024	2024 (Q3)	0.50 / 0.50	-0.27	285.19% (+0.77)
Aug 12, 2024	2024 (Q2)	0.39 / 0.39	-0.06	750.00% (+0.45)
May 13, 2024	2024 (Q1)	- / 0.07	-0.56	112.50% (+0.63)
Mar 27, 2024	2023 (Q4)	-0.08 / 0.15	-0.36	141.67% (+0.51)	―
Nov 09, 2023	2023 (Q3)	-0.05 / -0.27	-0.35	22.86% (+0.08)	―
Aug 10, 2023	2023 (Q2)	-0.01 / -0.06	-0.17	64.71% (+0.11)	―
May 11, 2023	2023 (Q1)	-0.19 / -0.56	-0.54	-3.70% (-0.02)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

KINS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 08, 2025	$18.19	$21.67	+19.13%
Mar 13, 2025	$13.67	$16.63	+21.65%
Nov 12, 2024	$11.95	$11.92	-0.25%
Aug 12, 2024	$7.50	$8.38	+11.73%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Kingstone (KINS) report earnings?

Kingstone (KINS) is schdueled to report earning on Aug 07, 2025, After Close (Confirmed).

What is Kingstone (KINS) earnings time?

Kingstone (KINS) earnings time is at Aug 07, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is KINS EPS forecast?

KINS EPS forecast for the fiscal quarter 2025 (Q2) is 0.55.

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