---
schema_version: "secwatch.filing_event.v1"
accession: "0000033992-26-000005"
form_type: "8-K"
ticker: "KINS"
cik: "0000033992"
company_name: "KINGSTONE COMPANIES, INC."
filed_at: "2026-03-05T23:59:59+00:00"
generated_at: "2026-05-15T20:10:53.684512+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0000033992-26-000005
- form_type: 8-K
- ticker: KINS
- cik: 0000033992
- company_name: KINGSTONE COMPANIES, INC.
- filed_at: 2026-03-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/33992/000003399226000005/0000033992-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/33992/000003399226000005/kins-20260305.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000033992-26-000005
- JSON: https://secwatch.observer/filing/0000033992-26-000005.json
- Plain text: https://secwatch.observer/filing/0000033992-26-000005.txt

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