---
schema_version: "secwatch.filing_event.v1"
accession: "0001021771-24-000182"
form_type: "8-K"
ticker: "KINS"
cik: "0000033992"
company_name: "KINGSTONE COMPANIES, INC."
filed_at: "2024-10-29T23:59:59+00:00"
generated_at: "2026-05-30T09:27:57.406825+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kingstone Q3 preliminary: operating income $0.55/sh, combined ratio 72%, DWP growth 28%

## Summary
- Q3 GAAP combined ratio 72% (38 ppt improvement); net loss ratio 39% (40 ppt improvement).
- Q3 operating income per basic share $0.55 vs $(0.27) loss; per diluted $0.50 vs $(0.27) loss.
- Direct written premium growth 28% (Q3); core DWP growth 39%.
- Nine-month operating income per basic share $1.07 vs $(0.89) loss; combined ratio 81% (30 ppt improvement).
- Catastrophe loss & LAE $582k in Q3 (included in net loss ratio).

## SEC filing metadata
- accession: 0001021771-24-000182
- form_type: 8-K
- ticker: KINS
- cik: 0000033992
- company_name: KINGSTONE COMPANIES, INC.
- filed_at: 2024-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/33992/000102177124000182/0001021771-24-000182-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/33992/000102177124000182/kins8k102924.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001021771-24-000182
- JSON: https://secwatch.observer/filing/0001021771-24-000182.json
- Plain text: https://secwatch.observer/filing/0001021771-24-000182.txt

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