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KINS

KINGSTONE COMPANIES, INC.
7 filings tracked
financialsinsuranceSMALL ($300M-2B)

Company Intelligence Hub

Filing history, signal momentum, and bull/bear evolution

Chronological Filing Evolution (Click to filter / toggle)

Thesis (Bull Case Evolution)

Kingstone Companies is aggressively capitalizing on a structural shift in the New York insurance market. Following the exit of two major competitors, the company has seen a surge in policies in force and a 19.6% increase in direct premiums written.…

Bullish Outlook

Antithesis (Bear Case / Structural Risks)

Despite top-line growth, Kingstone's financial results reveal a precarious reliance on investment income to offset fundamental underwriting failures.…

Risk Factors

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Synthesis (Verdict & Resolution)

The Q1 2026 filing presents a stark dichotomy between top-line momentum and bottom-line volatility. While Kingstone is successfully executing a growth strategy that has increased net premiums earned by 28.4%, the resulting net loss of $5.8 million underscores the fragility of its current model. The company is effectively trading short-term profitability for long-term market share, betting that its scale and improved underlying loss ratios will eventually outweigh the inherent risks of its catastrophe-exposed portfolio. Investors are left to weigh the potential of a $500 million premium target against a backdrop of deteriorating cash flows and governance concerns. The shift in reinsurance strategy to retain more risk increases the upside potential for a stable environment but significantly raises the stakes during a catastrophe cycle. Ultimately, the success of the thesis depends on whether Kingstone can maintain its underwriting discipline while expanding into new, unfamiliar geographies without compromising its already strained internal controls.

Selected Quarter

Core Takeaway

Kingstone is successfully capturing market share but remains highly vulnerable to catastrophe-driven losses that erase underwriting gains.

Investor Lens

The trade-off between aggressive geographic expansion and the need for rigorous internal financial controls.

Watch Next

Q2 2026 results and the successful launch of underwriting operations in California and Connecticut.

View Full SEC Report

Signal Momentum Chart

Quarterly net bull/bear signal ratio. Click nodes to select a quarter.

BULLISH (+1.0)NEUTRAL (0.0)BEARISH (-1.0)-0.23Q2 '26 (10-Q)

Signal Timeline

Active Filters:Quarter: Q2 '26 (10-Q)
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%
bearishMay 8

Net loss of $5.8 million compared to a profit in the prior year period.

earnings miss
70%
bearishMay 8

Net combined ratio expanded from 93.7% to 112.0%.

margin compression
80%
bullishMay 8

Executing a 5-year plan to reach $500 million in direct written premiums.

guidance raise
60%
neutralMay 8

New employment agreements for CEO and CFO established for future terms.

management change
30%

Filing History

10-QMay 8, 2026
Expand Sequence

The Q1 2026 filing presents a stark dichotomy between top-line momentum and bottom-line volatility. While Kingstone is successfully executing a growth strategy that has increased net premiums earned by 28.4%, the resulting net loss of $5.8 million underscores the fragility of its current model. The company is effectively trading short-term profitability for long-term market share, betting that its scale and improved underlying loss ratios will eventually outweigh the inherent risks of its catastrophe-exposed portfolio. Investors are left to weigh the potential of a $500 million premium target against a backdrop of deteriorating cash flows and governance concerns. The shift in reinsurance strategy to retain more risk increases the upside potential for a stable environment but significantly raises the stakes during a catastrophe cycle. Ultimately, the success of the thesis depends on whether Kingstone can maintain its underwriting discipline while expanding into new, unfamiliar geographies without compromising its already strained internal controls.

Disclaimer: The synthesis provided is generated by AI models and should not be construed as investment advice. Analysis is based solely on regulatory data present at the time of publication. Consult a financial advisor for specific investment strategies.