Kingstone posts record Q4 and FY 2025: net combined ratio 64.2%, EPS $1.03/$2.88, guides 2026

KINGSTONE COMPANIES, INC.

Q4 GAAP net combined ratio 64.2% (vs 78.5% YoY); annualized ROE 51.3% (vs 34.4% YoY).
Q4 diluted EPS $1.03 (up 157.5% YoY); operating EPS $1.08; FY diluted EPS $2.88 (up 94.6%).
Full year net premiums earned $187.1M (+45.6% YoY); direct premiums written $277.8M (+14.8%).
2026 guidance: direct premiums written growth 16%-20%; underlying combined ratio 74%-76%.

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

KINGSTONE COMPANIES, INC. reported the fourth quarter ended December 31, 2025 results: revenue $49,463, net income $14,760, EPS $1.03. Guidance initiated.

Period: the fourth quarter ended December 31, 2025
Revenue: $49,463
Net income: $14,760
EPS: $1.03
Guidance: initiated
Result: reported results

Exact text from the filing

Net premiums earned $ 49,463 $ 35,967 37.5% $ 187,127 $ 128,498 45.6% Direct premiums written 1 $ 82,753 $ 72,533 14.1% $ 277,801 $ 241,980 14.8% Net combined ratio 64.2% 78.5% (14.3)pts 75.0% 80.0% (5.0)pts Underlying combined ratio 1 62.6% 78.9% (16.3)pts 74.4% 79.5% (5.1)pts Net income $ 14,760 $ 5,439 171.4% $ 40,767 $ 18,358 122.1% Net income per share - diluted $ 1.03 $ 0.40 157.5% $ 2.88 $ 1.48 94.6%

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

KINGSTONE COMPANIES, INC. reported the year ended December 31, 2025 results: revenue $187,127, net income $40,767, EPS $2.88. Guidance initiated.

Period: the year ended December 31, 2025
Revenue: $187,127
Net income: $40,767
EPS: $2.88
Guidance: initiated
Result: reported results

Exact text from the filing

Net premiums earned $ 49,463 $ 35,967 37.5% $ 187,127 $ 128,498 45.6% Direct premiums written 1 $ 82,753 $ 72,533 14.1% $ 277,801 $ 241,980 14.8% Net combined ratio 64.2% 78.5% (14.3)pts 75.0% 80.0% (5.0)pts Underlying combined ratio 1 62.6% 78.9% (16.3)pts 74.4% 79.5% (5.1)pts Net income $ 14,760 $ 5,439 171.4% $ 40,767 $ 18,358 122.1% Net income per share - diluted $ 1.03 $ 0.40 157.5% $ 2.88 $ 1.48 94.6%

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Source: SEC EDGAR

accession 0000033992-26-000005

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