{"schema_version":"secwatch.filing_event.v1","accession":"0000033992-25-000004","form_type":"8-K","ticker":"KINS","cik":"0000033992","company_name":"KINGSTONE COMPANIES, INC.","filed_at":"2025-03-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.970734+00:00","generated_at":"2026-05-24T21:42:58.060690+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Kingstone reports record Q4 & full year 2024; core DPW up 31%, combined ratio 80%","bullets":["Net income $5.4M ($0.40 diluted EPS) in Q4 vs $2.9M ($0.26) YoY; full year net income $18.4M ($1.48) vs loss of $6.2M.","Core business direct premiums written grew 49% in Q4 to $70.2M and 31% for full year to $232.2M.","Net combined ratio improved to 78.5% in Q4 (89.5% YoY) and 80.0% for full year (105.3% YoY), driven by lower frequency, no catastrophe losses.","Company raised 2025 guidance citing favorable market conditions and disciplined underwriting.","Return on equity annualized 34.4% in Q4 and 36.3% for full year."],"urls":{"canonical":"https://secwatch.observer/filing/0000033992-25-000004","json":"https://secwatch.observer/filing/0000033992-25-000004.json","markdown":"https://secwatch.observer/filing/0000033992-25-000004.md","text":"https://secwatch.observer/filing/0000033992-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33992/000003399225000004/0000033992-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33992/000003399225000004/kins-20250313.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T21:42:58.060690+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}