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Kingstone Companies
Kingstone Companies (KINS) investor relations material
Kingstone Companies Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary8 May, 2026
Executive summary
Net premiums earned in Q1 2026 rose 28.4% year-over-year to $55.9M, with direct premiums written up 19.6%–20% to $69.6M, driven by personal lines growth and market share gains from competitor withdrawals in New York.
Q1 2026 saw a net loss of $5.8M, or $(0.40) per diluted share, due to eleven winter catastrophe events in the Northeast, resulting in a GAAP combined ratio of 112%.
Underlying combined ratio improved by 5.1 points year-over-year to 88.3%, reflecting structural profitability improvements.
Strategic initiatives include entry into California on an E&S basis, launch of Kingstone America Insurance Company in Connecticut, and a five-year plan to reach $500M in direct written premium by 2029.
Full-year 2026 guidance reaffirmed, projecting 16–20% direct premiums written growth, net income per share of $2.20–$2.90, and ROE of 24–30%.
Financial highlights
Net premiums earned: $55.9M (up 28.4% YoY); direct premiums written: $69.6M (up 19.6% YoY).
Net investment income increased 63% year-over-year to $3.3M, driven by higher fixed income yields and portfolio growth.
Book value per diluted share was $7.70 at March 31, 2026, up 38% from the prior year; $8.25 excluding AOCI.
Shareholders’ equity ended the quarter at $114.5M.
Net loss for Q1 2026 was $(5.8)M, compared to net income of $3.9M in Q1 2025.
Outlook and guidance
FY2026 guidance projects direct premiums written growth of 16–20%, net combined ratio of 81–86%, underlying combined ratio of 74–76%, catastrophe loss ratio of 7–10%, net income per diluted share of $2.20–$2.90, and ROE of 24–30%.
Catastrophe activity in Q1 was within the scenario set embedded in guidance.
Earnings power is expected to be concentrated in Q2–Q4 due to seasonality.
Guidance assumes higher-than-average catastrophe losses for the full year and no prior-year reserve development.
Expansion into California and Connecticut planned for 2026, with two additional states targeted for 2027.
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Latest events from Kingstone Companies
- Record profitability, premium growth, and California expansion drive strong 2026 outlook.KINS
Q4 202524 Mar 2026 - Turnaround success and market exits position the company for profitable growth in New York.KINSSidoti Micro-Cap Virtual Conference2 Feb 2026
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- Record profitability and growth achieved through data-driven products and strategic market focus.KINSFireside chat14 Jan 2026
- Record profitability, 31% core premium growth, and strong 2025 outlook highlighted.KINSQ4 202426 Dec 2025
- Turnaround delivers record profits and growth, with 2025 set for continued strong performance.KINS15th Annual LD Micro Invitational 202524 Dec 2025
- Annual meeting to vote on directors, auditor, executive pay, and governance matters.KINSProxy Filing1 Dec 2025
Next Kingstone Companies earnings date
Q2 20267 Aug, 2026
Kingstone Companies
Next Kingstone Companies earnings date
Q2 20267 Aug, 2026
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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