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/company/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/company/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 2026-08-07, the biggest revenue drivers are: Net premiums earned ($60.5M, +30.8% YoY); Personal lines ($56.9M); Livery physical damage ($3.6M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/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 ($23.9M, +33.5% YoY); Commission expense ($11.6M, +8.9% YoY); Other underwriting expenses ($8.7M, +12.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 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

67.7/100

Rank #349 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

87.2/100

Profitability

72.6/100

Balance Sheet

81.1/100

Earnings Quality

83.9/100

Free Cash Flow

87.8/100

Institutional Flow

41.9/100

Revenue Scale

26.0/100

Dilution Risk

67.6/100

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Why KINS Scores 68/100

exact factor attribution · 2026-09-11

KINS's composite is driven by revenue growth and free cash flow, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+9.9 pts

87th pct

Free cash flow

+5.7 pts

88th pct

Profitability

+4.5 pts

73th pct

Capital efficiency

+4.2 pts

81th pct

Earnings quality

+3.4 pts

84th pct

Earnings growth

+3.3 pts

100th pct

Shareholder dilution

+1.2 pts

68th pct

Institutional flow

-0.5 pts

42th pct

Scale

-4.8 pts

26th pct

Latest change (2026-08-07): 68 → 63 · ↓ Profit margin 72→61; ↓ Revenue growth 84→74

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

KINS Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 67.7/100 on a 32-signal composite quality model, placing it at rank #349 of 2,961 stocks — the top 25% of the AI-ranked universe. KINS scores in the top quartile across free cash flow (87.8), revenue growth (87.2), earnings quality (83.9). Areas of concern include revenue scale (26.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), KINGSTONE COMPANIES, INC. reports quarterly revenue of $65.9M, net income of $15.5M, free cash flow of $27.8M. 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 70 since 2024, currently 67.7 — an improving long-term trajectory across 55 quarterly and live scoring snapshots.

✦

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

✓ 25/25 datapoints verified

AI-extracted from KINGSTONE COMPANIES, INC.'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Kingstone posted its most profitable quarter ever, with Q2 FY2026 net income of $15.5M (+37.5% YoY) as net premiums earned rose 30.8% and the net combined ratio improved to 70.2%.

Biggest Revenue Drivers

Net premiums earned$60.5M+30.8% YoY

Increase in retention from reduced quota share reinsurance cession and organic premium growth

Net investment income$3.4M+49.1% YoY

Increase in invested assets and higher average yield on non-cash invested assets

Biggest Revenue Drivers

Total revenue: $65.9M+25.9% YoY

Net premiums earned$60.5M+30.8% YoY

Increase in retention from reduced quota share reinsurance cession and organic premium growth

Within Net premiums earned

Personal lines$56.9M

Livery physical damage$3.6M

Net investment income$3.4M+49.1% YoY

Increase in invested assets and higher average yield on non-cash invested assets

Ceding commission revenue$1.5M-50.2% YoY

Provisional ceding commissions fell as premiums ceded decreased under the new 2026/2027 quota share treaty

Largest Expense Items

Loss and loss adjustment expenses$23.9M+33.5% YoY

Higher frequency and severity of non-catastrophe losses, partly offset by favorable prior-year reserve development and lower catastrophe losses

Commission expense$11.6M+8.9% YoY

Driven by higher direct earned premiums, partly offset by a lower estimated contingent commission accrual

Other underwriting expenses$8.7M+12.0% YoY

Higher salaries and employment costs, underwriting fees, premium taxes, and DFS regulatory fees

Other operating expenses$1.4M+18.1% YoY

Increase in equity compensation and professional fees

Margins: The net combined ratio improved to 70.2% from 71.5% a year earlier as the underwriting expense ratio fell 2.1 points to 30.6%, even as the loss ratio rose 0.8 points to 39.6% on higher non-catastrophe loss frequency and severity.

Watch Items from the Filing

98.5% of KICO's direct premiums written in the quarter came from New York policies, up from 97.9% a year earlier, underscoring heavy single-state concentration.
Disclosure controls were deemed not effective as of June 30, 2026 due to a prior material weakness tied to missing SOC 1 reports for the premium quoting and general ledger systems, though management believes it has now remediated it.
Six-month 2026 catastrophe losses totaled $14.0 million (12.0 points of the net loss ratio) from winter storm events in January-February, versus just $1.0 million a year earlier.
The personal lines quota share reinsurance rate dropped from 16% to 5% (30% in California) under the new 2026/2027 treaty, increasing the company's retained underwriting risk.
The Board authorized a buyback of up to 1,000,000 shares through May 2028 and declared a $0.06 per share quarterly dividend, alongside geographic expansion into California and Connecticut.

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

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

Revenue

Q2 2026

$65.9M

Net Income

Q2 2026

$15.5M

Free Cash Flow

Q2 2026

$27.8M

ROIC

Q2 2026

58.1%

D/E Ratio

Q2 2026

0.04

Period

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

Free Cash Flow

+31.4% YoY

$73.1MFY 2025

FY22 $-5.5MFY23 $-13.2MFY24 $55.6MFY25 $73.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$214.9M +38.5%	$155.1M +7.6%	$144.2M +10.8%	$130.2M -19.3%	$161.2M +22.7%	$131.4M
Net Income	$40.8M +122.1%	$18.4M +397.6%	$-6.2M +72.6%	$-22.5M -205.3%	$-7.4M -858.8%	$972.4K
EPS (Diluted)	$2.88 +94.6%	$1.48 +359.6%	$-0.57 +73.1%	$-2.12 -202.9%	$-0.70 -877.8%	$0.09
Total Assets	$453.4M +20.9%	$374.9M +18.0%	$317.6M -0.8%	$320.3M -3.3%	$331.3M +4.3%	$317.6M
Total Debt	$10.2M -65.1%	$29.2M -58.3%	$70.1M +39.3%	$50.3M +6.9%	$47.1M -20.6%	$59.3M
Operating Cash Flow	$75.9M +30.9%	$57.9M +611.6%	$-11.3M -1137.2%	$-915.5K -103.8%	$24.3M +337.9%	$-10.2M
Free Cash Flow	$73.1M +31.4%	$55.6M +522.8%	$-13.2M -140.6%	$-5.5M -127.5%	$19.8M +246.3%	$-13.6M

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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.
$15.8M830,266 sh
ROYCE & ASSOCIATES LP
$11.6M611,067 sh
VANGUARD CAPITAL MANAGEMENT LLC
$9.5M501,114 sh
AMERICAN CENTURY COMPANIES INC
$7.4M390,632 sh
RENAISSANCE TECHNOLOGIES LLC
$7.0M369,889 sh
GEODE CAPITAL MANAGEMENT, LLC
$6.0M316,518 sh
Gator Capital Management, LLC
$6.0M313,652 sh
DIMENSIONAL FUND ADVISORS LP
$6.0M313,391 sh
De Lisle Partners LLP
$5.8M304,037 sh
Cruiser Capital Advisors, LLC
$5.8M304,701 sh

Fund	Value	Shares
BlackRock, Inc.	$15.8M	830,266
ROYCE & ASSOCIATES LP	$11.6M	611,067
VANGUARD CAPITAL MANAGEMENT LLC	$9.5M	501,114
AMERICAN CENTURY COMPANIES INC	$7.4M	390,632
RENAISSANCE TECHNOLOGIES LLC	$7.0M	369,889
GEODE CAPITAL MANAGEMENT, LLC	$6.0M	316,518
Gator Capital Management, LLC	$6.0M	313,652
DIMENSIONAL FUND ADVISORS LP	$6.0M	313,391
De Lisle Partners LLP	$5.8M	304,037
Cruiser Capital Advisors, LLC	$5.8M	304,701

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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. KINS is classified as a small company.

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.