Kingstone reports Q1 net loss of $5.8M, diluted EPS -$0.40; underlying combined ratio improves to 88.3%

KINGSTONE COMPANIES, INC.

2026-Q1 EPS reported -$0.40 revenue$59,775,736

Net premium earned $55.9M (+28% YoY); direct premiums written $69.6M (+20%).
GAAP net combined ratio 112.0% (vs 93.7%) due to 11 winter catastrophe events; catastrophe loss ratio 26.0% (vs 1.7%).
Underlying combined ratio improved 5.1 points to 88.3%, reflecting lower non-cat loss frequency and expense discipline.
Net loss $5.8M ($0.40 diluted loss per share) vs net income $3.9M ($0.27 profit) in prior year.
Reaffirms full year 2026 guidance; plans California entry Q2 and Connecticut launch via Kingstone America in Q3.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

KINGSTONE COMPANIES, INC. reported first quarter ended March 31, 2026 results: revenue $55,869, net income $(5,808), EPS $(0.40). Guidance reaffirmed.

Period: first quarter ended March 31, 2026
Revenue: $55,869
Net income: $(5,808)
EPS: $(0.40)
Guidance: reaffirmed
Result: reported results

Exact text from the filing

www.kingstonecompanies.com . Key Financial and Operational Highlights Three Months Ended March 31, ($ in thousands, except per share data) 2026 2025 Change Net premiums earned $ 55,869 $ 43,523 28.4% Direct premiums written 1 $ 69,603 $ 58,175 19.6% Net combined ratio 112.0% 93.7% 18.3pts Catastrophe loss ratio 1 26.0% 1.7% 24.3pts Underlying combined ratio 1

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Source: SEC EDGAR

accession 0000033992-26-000018

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