Kingstone Companies Inc. (KINS)
NASDAQ (CM) NASDAQ (CM) Primary 
XKUW 
Kingstone Companies, Inc. (KINS) Q2 2025 Earnings Call Transcript
Kingstone Companies, Inc. (NASDAQ:KINS ) Q2 2025 Earnings Conference Call August 8, 2025 8:30 AM ET Company Participants Meryl S. Golden - President, CEO & Director Conference Call Participants Robert Edward Farnam - Janney Montgomery Scott LLC, Research Division Gabriel McClure - Unidentified Company Karin Daly - The Equity Group, Inc. Operator Greetings, and welcome to the Kingstone Company's Second Quarter 2025 Earnings Conference Call.
Kingstone Companies: Staying Bullish Even After Pullback
Kingstone benefits from key competitors exiting the NY market, creating a clear path to scale and improve its competitive position. Strong Q1 results, with 23% growth in direct premiums and 45% EBITDA growth, highlight improving profitability and pricing power. Valuation is highly attractive, trading at just 6.4x 2026 EPS, with potential for a significant re-rating as KINS executes and gains visibility.
Are Investors Undervaluing Kingstone Companies (KINS) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Kingstone's Reinsurance Program: Why it is a Cornerstone of Growth
KINS boosts its catastrophe reinsurance limit by 57% with minimal cost impact, fueling capital efficiency and premium growth.
Kingstone's Policy Growth Steady: Will it Fuel Premium Acceleration?
KINS rides on new policies and premium growth as rivals exit key markets, aiming for stronger profits in 2025.
Kingstone Companies Stock Down 3% YTD: Should You Buy the Dip?
KINS stock lags the market YTD, but strong 2025 earnings guidance and margin gains point to a turnaround in motion.
Kingstone Unlocks Growth In The Wake Of Market Disruption
Kingstone is taking advantage of the retreat of competitors in New York and is quickly gaining market share through independent agents. Net profit grew 172% in Q1, driven by higher premiums, lower claims frequency, and lower reinsurance. The renewal rights deal with AmGUARD could generate $25–35 million in additional premiums from Q3 2025.
KINS Focuses on Personal Lines Business: Will This Accelerate Growth?
KINS sharpens its focus on personal lines, digital tools and underwriting discipline to drive regional growth.
Kingstone Returns to Profitability: Can It Retain the Momentum?
KINS returns to profit with a 1610 bps net margin boost and eyes growth as rivals exit the personal property space.
KINS vs. UFCS: Which Regional Insurer Offers Better Value Investment?
Despite a rise in catastrophic events, the property and casualty insurance industry is projected to grow, supported by a strong emphasis on personalized products and enhanced customer engagement through digital innovation. Higher premium volumes —driven by solid policyholder retention, broader exposure across business lines and favorable pricing — are helping insurers sustain profitability.
Kingstone Companies: Still Improving
Kingstone Companies delivered strong 1Q25 results, with top-line growth of 40% year-over-year, driven by higher prices and new business. Core business premiums surged due to a 68% increase in new business count and a 19% higher renewal average premium in property lines. Net profit margins improved nearly 400 basis points year-over-year, despite a typical seasonal dip in first quarter profitability.
KINS Trades at a Premium to Industry: Will You Still Buy the Stock?
KINS' focus on growing its core business, strengthening its niche market, improving pricing and combined ratio and expanding margins bodes well for growth.
