What is the 13F Pro Quality Score for KINS?

13F Pro ranks KINGSTONE COMPANIES, INC. (KINS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View KINS's current score at https://13fpro.ai/research/KINS (free sign-up required for the full ranking).

Which hedge funds own the most KINS stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of KINS include BlackRock,, ROYCE & ASSOCIATES, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/KINS as soon as new 13F filings post.

Where does 13F Pro source KINS data?

All KINGSTONE COMPANIES, INC. fundamentals and ownership data come directly from SEC EDGAR. KINGSTONE COMPANIES, INC. files with the SEC under CIK 33992. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is KINS in?

KINGSTONE COMPANIES, INC. (KINS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives KINS's revenue?

Per KINGSTONE COMPANIES, INC.'s latest 10-Q filed with the SEC on 2026-05-08, the biggest revenue drivers are: Net premiums earned ($55.9M, +28.4% YoY); Net investment income ($3.3M, +62.9% YoY); Ceding commission revenue ($1.4M, -52.6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/KINS.

What are KINS's largest expenses?

KINGSTONE COMPANIES, INC.'s latest 10-Q reports these as the largest expense items: Loss and loss adjustment expenses ($45.6M, +67.7% YoY); Commission expense ($10.2M, +9.5% YoY); Other underwriting expenses ($8.4M, +12.9% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is KINS research updated on 13F Pro?

KINS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

KINGSTONE COMPANIES, INC.(KINS)Stock Analysis

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13F Pro Quality Score

67.5/100

Rank #462 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

83.5/100

Profitability

72.1/100

Balance Sheet

67.3/100

Earnings Quality

94.8/100

Free Cash Flow

83.9/100

Institutional Flow

36.3/100

Revenue Scale

25.4/100

Dilution Risk

67.4/100

KINS Stock Analysis & AI Quality Score

AI stock analysis and institutional research for KINGSTONE COMPANIES, INC. (KINS), a Financials sector company. 13F Pro's AI-powered ranking engine scores KINS at 67.5/100 on a 32-signal composite quality model, placing it at rank #462 of 2,879 stocks — the top 25% of the AI-ranked universe. KINS scores in the top quartile across earnings quality (94.8), free cash flow (83.9), revenue growth (83.5). Areas of concern include revenue scale (25.4) and institutional flow (36.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), KINGSTONE COMPANIES, INC. reports quarterly revenue of $59.8M, net income of $-5.8M, free cash flow of $7.9M. Top institutional holders of KINS by reported 13-F value include BlackRock,, ROYCE & ASSOCIATES, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. KINS trades on the Nasdaq exchange and files with the SEC under CIK 33992. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate KINS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for KINGSTONE COMPANIES, INC. directly from SEC EDGAR. KINGSTONE COMPANIES, INC.'s 13F Pro composite quality score has ranged between 26 and 73 since 2024, currently 67.5 — an improving long-term trajectory across 15 quarterly and live scoring snapshots.

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Fun facts about KINGSTONE COMPANIES, INC.

Quirks, history, and lore behind KINS — the kind of stuff that makes a stock memorable.

1
The Basics
A small-cap U.S. insurance holding company listed on Nasdaq · focused on property and casualty coverage.
2
The Numbers
Annual revenues in the range of tens of millions of dollars — this is a micro-cap insurer, not a Berkshire Hathaway, but it keeps the lights on in a tough market.
3
The History
Founded in the late 1990s, it carved out a niche insuring properties in the notoriously tricky New York State market, where many bigger carriers feared to tread.
4
The Secret
Its bread and butter is homeowners and dwelling insurance for properties in coastal and catastrophe-exposed regions that larger insurers routinely avoid.
5
The Lore
Headquartered in a small Hudson Valley city best known as a historic river town, this insurer quietly serves New York's underserved residential market while most competitors chase bigger states.
6
The Giveaway
Its name is basically a stone's throw from its home city — Kingston, New York — and its ticker is a royal four-letter crown: KINS.

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What's Driving KINS's Business? Latest 10-Q Breakdown

✓ 26/26 datapoints verified

AI-extracted from KINGSTONE COMPANIES, INC.'s 10-Q filed 2026-05-08 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q1 net loss of $5.8M on $55.9M earned premiums as severe winter catastrophes added 26 points to loss ratio; underlying loss ratio improved to 57.9% despite 19.6% premium growth.

Biggest Revenue Drivers

Total revenue: $59.8M+18.4% YoY

Net premiums earned$55.9M+28.4% YoY

Growth from market share gains via competitor exits and organic rate increases, partially offset by lower quota share ceding (5% vs. 16%).

Net investment income$3.3M+62.9% YoY

Higher yields on invested assets (4.3% vs. 3.7%) and increased cash from operations.

Ceding commission revenue$1.4M-52.6% YoY

Lower provisional commissions under new 5% quota share treaty with no contingent ceding commission structure.

Net losses on investments($1.0M)N/A

Unrealized losses on equity and other investments due to market volatility.

Largest Expense Items

Loss and loss adjustment expenses$45.6M+67.7% YoY

Catastrophe losses of $14.5M from winter storms (26 points of loss ratio) and higher non-catastrophe claims from large fire losses.

Commission expense$10.2M+9.5% YoY

Increased premium volume, partially offset by lower contingent commission accruals.

Other underwriting expenses$8.4M+12.9% YoY

Higher salaries for team expansion, premium taxes on growth, and increased DFS regulatory fees.

Other operating expenses$2.3M+118.2% YoY

Increased equity compensation for senior leadership and professional fees for board projects and internal control audit costs.

Margins: Net combined ratio deteriorated to 112.0% from 93.7% YoY, driven entirely by a 26-point catastrophe impact from January–February winter storms. Excluding catastrophes, underlying loss ratio improved 4.2 points to 57.9%, reflecting disciplined underwriting, low non-catastrophe frequency, and higher average premiums despite elevated large-loss severity.

Watch Items from the Filing

Catastrophe exposure elevated: Q1 experienced 11 catastrophe events in Jan–Feb 2026 (vs. minimal in Q1 2025); reinsurance treaties changed materially with new $125M catastrophe bond and reduced excess-of-loss coverage from July–Jan 2027.
Reinsurance treaty gap: No excess-of-loss or catastrophe coverage effective July 1, 2026–January 1, 2027; only 5% personal-lines quota share in effect, significantly raising net retention.
Material weakness in internal controls persists: SOC 1 Type 2 reports lacking for premium quoting and general ledger systems; expected remediation by Dec 31, 2026; disclosure controls not effective as of March 31, 2026.
KICO dividend capacity exhausted: Maximum allowable dividend dropped to zero as of March 31, 2026 due to losses; holding company funded KAIC with $5.1M in Q1 2026 with no return expected within one year.
Geographic expansion in progress: KAIC licensed in Connecticut (May 1, 2026); Cosi now licensed in California (April 2026); 5-year goal of $500M direct written premium by 2029 announced in 2025.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$59.8M

Net Income

Q1 2026

$-5.8M

Free Cash Flow

Q1 2026

$7.9M

D/E Ratio

Q1 2026

0.05

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+38.5% YoY

$214.9MFY 2025

FY22 $130.2MFY23 $144.2MFY24 $155.1MFY25 $214.9M

Net Income

+122.1% YoY

$40.8MFY 2025

FY22 $-22.5MFY23 $-6.2MFY24 $18.4MFY25 $40.8M

EPS (Diluted)

+94.6% YoY

$2.88FY 2025

FY22 $-2.12FY23 $-0.57FY24 $1.48FY25 $2.88

Total Assets

+20.9% YoY

$453.4MFY 2025

FY22 $320.3MFY23 $317.6MFY24 $374.9MFY25 $453.4M

Total Debt

-65.1% YoY

$10.2MFY 2025

FY22 $50.3MFY23 $70.1MFY24 $29.2MFY25 $10.2M

Op. Cash Flow

+30.9% YoY

$75.9MFY 2025

FY22 $-915.5KFY23 $-11.3MFY24 $57.9MFY25 $75.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$214.9M +38.5%	$155.1M +7.6%	$144.2M +10.8%	$130.2M -19.3%	$161.2M +11.1%	$145.1M
Net Income	$40.8M +122.1%	$18.4M +397.6%	$-6.2M +72.6%	$-22.5M -205.3%	$-7.4M -23.7%	$-6.0M
EPS (Diluted)	$2.88 +94.6%	$1.48 +359.6%	$-0.57 +73.1%	$-2.12 -202.9%	$-0.70 -27.3%	$-0.55
Total Assets	$453.4M +20.9%	$374.9M +18.0%	$317.6M -0.8%	$320.3M -3.3%	$331.3M +3.1%	$321.2M
Total Debt	$10.2M -65.1%	$29.2M -58.3%	$70.1M +39.3%	$50.3M -15.6%	$59.6M +102.4%	$29.5M
Operating Cash Flow	$75.9M +30.9%	$57.9M +611.6%	$-11.3M -1137.2%	$-915.5K -103.8%	$24.3M -18.5%	$29.9M

AI Insight: KINS Financial Trends

KINS equity surged 5x in 18 months as debt collapsed from $51M to $5M, but a $6M net loss in Q1 2026 breaks a six-quarter profit streak.

• Revenue grew 62% from $37M in Q2 2024 to $60M in Q1 2026, a consistent upward trajectory across all eight quarters.

• Total debt fell from $51M in Q2 2024 to $5M in Q1 2026, a near-total deleveraging of the balance sheet.

• Equity tripled from $41M in Q2 2024 to $123M in Q4 2025 before dipping to $115M in Q1 2026.

• Net income swung to a $6M loss in Q1 2026 after peaking at $15M in Q4 2025 — the first loss in at least six quarters.

⚠ Q1 2026 net loss of $6M erased equity built over prior quarters; whether this reflects seasonal claims or structural deterioration warrants close monitoring.

⚠ Operating cash flow dropped to $9M in Q1 2026 from $23M in Q4 2025 — consistent with loss but needs confirmation it recovers.

⚠ Debt ticked up slightly to $10M in Q4 2025 then $5M in Q1 2026; trend remains favorable but worth watching if losses persist.

AI Insight: KINS Ratio Trends

Q1 2026 swung sharply negative across all profitability metrics, reversing a strong four-quarter run of expanding margins and near-zero leverage.

• Operating margin collapsed to -12.4% in Q1 2026 from 32.7% in Q4 2025, the steepest single-quarter reversal in the dataset.

• ROIC swung from a peak of 56.0% in Q2 2025 to -24.7% in Q1 2026, erasing four quarters of exceptional capital efficiency.

• Debt-to-equity has structurally improved, falling from 1.24 in Q2 2024 to just 0.05 in Q1 2026, signaling a nearly debt-free balance sheet.

• TTM operating margin of 17.4% and ROA of 6.7% reflect underlying full-year profitability despite the Q1 2026 quarterly shock.

⚠ Q1 2026 net profit margin turned to -9.7% — determine whether this reflects one-off catastrophe losses or a structural underwriting deterioration.

⚠ ROE swung from +48.1% in Q4 2025 to -20.3% in Q1 2026 — severity and recurrence of this swing warrants close monitoring.

⚠ Near-zero D/E of 0.05 provides balance-sheet cushion; watch whether capital is preserved or deployed to absorb Q1 2026 losses.

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Available Research

13F Pro tracks comprehensive data for KINGSTONE COMPANIES, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of KINS

BlackRock, Inc.
$11.5M792,634 sh
ROYCE & ASSOCIATES LP
$7.8M535,657 sh
VANGUARD CAPITAL MANAGEMENT LLC
$7.2M495,779 sh
RENAISSANCE TECHNOLOGIES LLC
$5.7M393,489 sh
Cruiser Capital Advisors, LLC
$4.9M333,711 sh
AMERICAN CENTURY COMPANIES INC
$4.8M331,866 sh
Gator Capital Management, LLC
$4.6M313,652 sh
De Lisle Partners LLP
$4.4M304,037 sh
DIMENSIONAL FUND ADVISORS LP
$4.1M279,850 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.8M261,778 sh

Fund	Value	Shares
BlackRock, Inc.	$11.5M	792,634
ROYCE & ASSOCIATES LP	$7.8M	535,657
VANGUARD CAPITAL MANAGEMENT LLC	$7.2M	495,779
RENAISSANCE TECHNOLOGIES LLC	$5.7M	393,489
Cruiser Capital Advisors, LLC	$4.9M	333,711
AMERICAN CENTURY COMPANIES INC	$4.8M	331,866
Gator Capital Management, LLC	$4.6M	313,652
De Lisle Partners LLP	$4.4M	304,037
DIMENSIONAL FUND ADVISORS LP	$4.1M	279,850
GEODE CAPITAL MANAGEMENT, LLC	$3.8M	261,778

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Is KINS a good stock to buy?

13F Pro's AI-powered analysis of KINGSTONE COMPANIES, INC. (KINS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for KINS are available on the KINS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own KINS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling KINS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of KINGSTONE COMPANIES, INC.'s investment landscape.