8-K
filed May 7, 2026, 7:59 PM ET
ticker KINS
CIK 0000033992
earnings
confidence high
sentiment negative
materiality 0.65
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 ($0.27 profit) in prior year.
- Reaffirms full year 2026 guidance; plans California entry Q2 and Connecticut launch via Kingstone America in Q3.
Machine-readable event card
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- KINGSTONE COMPANIES, INC.
- filed_at
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- 0.65
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- https://www.sec.gov/Archives/edgar/data/33992/000003399226000018/kins-20260507.htm
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www.kingstonecompanies.com . Key Financial and Operational Highlights Three Months Ended March 31, ($ 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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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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