---
schema_version: "secwatch.filing_event.v1"
accession: "0000033992-26-000018"
form_type: "8-K"
ticker: "KINS"
cik: "0000033992"
company_name: "KINGSTONE COMPANIES, INC."
filed_at: "2026-05-07T23:59:59+00:00"
generated_at: "2026-05-14T22:10:48.873117+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000033992-26-000018
- form_type: 8-K
- ticker: KINS
- cik: 0000033992
- company_name: KINGSTONE COMPANIES, INC.
- filed_at: 2026-05-07T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/33992/000003399226000018/0000033992-26-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/33992/000003399226000018/kins-20260507.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000033992-26-000018
- JSON: https://secwatch.observer/filing/0000033992-26-000018.json
- Plain text: https://secwatch.observer/filing/0000033992-26-000018.txt

## Source-grounded claims
- claim_id: 31bd76039fd852005f0412e872fae0d48ab265f5
  claim: KINGSTONE COMPANIES, INC. reported first quarter ended March 31, 2026 results: revenue $55,869, net income $(5,808), EPS $(0.40). Guidance reaffirmed.
  evidence_excerpt: www.kingstonecompanies.com . Key Financial and Operational Highlights Three Months Ended March 31, ($ 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
  evidence_url: https://www.sec.gov/Archives/edgar/data/33992/000003399226000018/0000033992-26-000018-index.htm

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