---
schema_version: "secwatch.filing_event.v1"
accession: "0001021771-26-000016"
form_type: "8-K"
ticker: "KINS"
cik: "0000033992"
company_name: "KINGSTONE COMPANIES, INC."
filed_at: "2026-02-04T23:59:59+00:00"
generated_at: "2026-05-16T05:06:48.573496+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kingstone reports record preliminary Q4 and FY2025 results; ROE 49-51%

## Summary
- Q4 GAAP net combined ratio 64%-66% vs 79% YoY; net income per diluted share $0.98-$1.03.
- Full year direct premiums written $278M (+15% YoY); net combined ratio 75%-77% vs 80%.
- Q4 operating net income per diluted share $1.03-$1.08; full year $2.71-$2.79.
- Q4 return on equity 49%-51% (up from 34% YoY); full year ROE 41%-43%.
- Conference call on March 6, 2026 at 8:30am ET for analysts and investors.

## SEC filing metadata
- accession: 0001021771-26-000016
- form_type: 8-K
- ticker: KINS
- cik: 0000033992
- company_name: KINGSTONE COMPANIES, INC.
- filed_at: 2026-02-04T23:59:59+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/33992/000102177126000016/0001021771-26-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/33992/000102177126000016/kins-20260204.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001021771-26-000016
- JSON: https://secwatch.observer/filing/0001021771-26-000016.json
- Plain text: https://secwatch.observer/filing/0001021771-26-000016.txt

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