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Kingstone Companies (KINS) investor relations material

Kingstone Companies Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary8 Aug, 2025

Executive summary

  • Achieved record quarterly net income of $11.3M, up 149–150% year-over-year, with diluted EPS of $0.78 and annualized ROE exceeding 50%.

  • Core direct written premium grew 17% year-over-year, with policies in force reaching 77,000 as of June 30, 2025.

  • Benefited from competitor exits in New York, capturing significant new business and shifting product mix toward more profitable, lower-risk policies.

  • Reinstated quarterly dividend, reflecting confidence in future growth and stability.

  • Five-year goal to double written premium to $500M through organic and inorganic growth, including expansion into new states.

Financial highlights

  • Net income for Q2 2025 was $11.3M, up 149–150% year-over-year; six-month net income was $15.1M, up 154.7%.

  • Net premiums earned increased 51.8–52.5% year-over-year for Q2 and six months ended June 30, 2025.

  • Direct premiums written for Q2 2025 were $61.1M, up 14.1% year-over-year; core business premiums up 17–19.5%.

  • Adjusted EBITDA for Q2 2025 was $14.8M, up 88% year-over-year.

  • Net investment income grew 30–33.1% year-over-year in Q2 2025, with average yield on non-cash invested assets at 4%.

Outlook and guidance

  • 2025 guidance: net premiums earned ~$187M, core direct premiums written growth 15–25%, combined ratio 79–85%.

  • Basic EPS guidance $2.10–$2.50; diluted EPS $1.95–$2.35; ROE between 30–38%.

  • Five-year goal to reach $500M in direct written premium through expansion and diversification.

  • Strategic expansion planned: +2 states in 2026 and +2 in 2027.

  • Guidance does not assume any major catastrophe events.

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Frequently asked questions

Kingstone Companies Inc is a property and casualty insurance holding company operating through its subsidiary, Kingstone Insurance Company. It offers personal and commercial insurance products including homeowners, renters, and business owners policies, primarily in the Northeastern United States. Kingstone Companies Inc is headquartered in Kingston, New York, and its shares are listed on the NASDAQ.

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