The earnings call reflected a strong and positive quarter for Kingstone, marked by record-breaking profitability, significant growth in core business, and strategic expansion plans. While there were minor concerns such as an increase in the expense ratio and adjusted expectations for the AmGuard transaction, the overall outlook remains optimistic with substantial achievements and forward-looking strategies in place.

Company Guidance

In the recent earnings call for Kingstone Company, several key metrics and guidance updates were provided by CEO Meryl Golden. The company reported its most profitable quarter in history, with a net income of $11.3 million, marking a 150% increase from the previous year. This translated to diluted earnings per share of $0.78 and an annualized return on equity of 50.8%. The combined ratio improved to 71.5%, down 6.7 percentage points from the previous year, while net premiums earned increased by 52%. The company achieved a 14% growth in direct written premiums, with a notable 17% growth in its core business, offset by a 42% reduction in noncore segments. Additionally, Kingstone's non-cat loss ratio improved by 8.4 percentage points to 38.7%. Looking forward, the company updated its guidance, projecting direct written premium growth between 15% and 20% and a GAAP net combined ratio between 79% and 83%. They anticipate basic earnings per share to be between $2.10 and $2.50, with a return on equity ranging from 30% to 38%. The strategic expansion into new states is part of a five-year plan to double the company's size to $0.5 billion in written premium, while maintaining a focus on catastrophe-exposed properties.

Record-Breaking Profitability

Kingstone posted the most profitable quarter in its history with $11.3 million in net income, a 150% increase compared to the prior year quarter. The combined ratio was 71.5% and net premiums earned increased by 52% over last year.

Significant Growth in Core Business

Direct written premium grew 14% for the quarter with 17% growth in core business, partially offset by a 42% reduction in noncore business. Core policies in force were up 11% from the prior year quarter.

Improved Loss Ratios

The non-cat loss ratio improved by 8.4 percentage points to 38.7%, driven by a reduction in property frequency. Homeowners frequency was down 29% for the quarter.

Reinstatement of Dividend

Kingstone reinstated its quarterly dividend, reflecting a strong capital position and confidence in future growth.

Expansion and Strategic Plans

Kingstone announced a 5-year goal to double its size to $0.5 billion in written premium, with plans for geographic expansion into new states starting in 2026.

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
Nov 06, 2025	2025 (Q3)	0.65 / -	0.5	―	―	―
Aug 07, 2025	2025 (Q2)	0.55 / 0.75	0.39	92.31% (+0.36)
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)	―

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
Aug 07, 2025	$16.15	$15.02	-7.00%
May 08, 2025	$18.13	$21.60	+19.14%
Mar 13, 2025	$13.62	$16.57	+21.66%
Nov 12, 2024	$11.91	$11.88	-0.25%

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 Companies Inc (KINS) report earnings?

Kingstone Companies Inc (KINS) is schdueled to report earning on Nov 06, 2025, After Close (Confirmed).

What is Kingstone Companies Inc (KINS) earnings time?

Kingstone Companies Inc (KINS) earnings time is at Nov 06, 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 (Q3) is 0.65.

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