---
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"
generated_at: "2026-05-24T21:42:58.060690+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Kingstone reports record Q4 & full year 2024; core DPW up 31%, combined ratio 80%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000033992-25-000004
- JSON: https://secwatch.observer/filing/0000033992-25-000004.json
- Plain text: https://secwatch.observer/filing/0000033992-25-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.