---
schema_version: "secwatch.filing_event.v1"
accession: "0000033992-26-000035"
form_type: "8-K"
ticker: "KINS"
cik: "0000033992"
company_name: "KINGSTONE COMPANIES, INC."
filed_at: "2026-08-06T20:19:49+00:00"
generated_at: "2026-08-06T20:22:00.962744+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Kingstone reports record Q2 net income of $15.5M; diluted EPS $1.05, ROE 50.8%

## Summary
- Net premiums earned $60.5M, up 30.8% YoY; direct premiums written $72.5M, up 18.7%.
- GAAP net combined ratio improved to 70.2% from 71.5% a year ago; underlying combined ratio 73.7%.
- Annualized return on equity of 50.8% for Q2; operating diluted EPS $1.04, up 38.7% YoY.
- Company reaffirms full-year 2026 guidance; catastrophe loss ratio negative 0.8% in Q2.
- Most profitable quarter in company history; net income $15.5M vs $11.3M in Q2 2025.

## SEC filing metadata
- accession: 0000033992-26-000035
- form_type: 8-K
- ticker: KINS
- cik: 0000033992
- company_name: KINGSTONE COMPANIES, INC.
- filed_at: 2026-08-06T20:19:49+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/33992/000003399226000035/0000033992-26-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/33992/000003399226000035/kins-20260806.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000033992-26-000035
- JSON: https://secwatch.observer/filing/0000033992-26-000035.json
- Plain text: https://secwatch.observer/filing/0000033992-26-000035.txt

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