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Kingstone Companies (KINS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Kingstone Companies (KINS) Q3 2026 earnings results →
Q3 2026 Revenue up 21% year over year to $67.5M · 26¢ of every $1 of revenue kept as net profit · operating margin 33.0%
Kingstone Companies made $67.5M in Q3 2026 (+21% Y/Y). Operating margin 33.0%, net earnings $17.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $67.5M in Q3 2026, up 21% year over year and up 3% from the previous quarter.
Operating profit was $22.3M, a 33.0% margin (up 8.4 points year over year). Of the extra revenue versus Q3 2025, 72% reached operating profit, above the 25% margin then. Total costs grew 8% against revenue growth of 21%. Net earnings were $17.6M, up 62% year over year. The effective tax rate was 21.2%.
Operating cash flow was $21.8M (down 16% year over year), 124% of net earnings. Non-cash charges added back $806K of depreciation and amortization and $663K of share-based compensation. Working capital and other items added $2.8M. Capital expenditures of $879K left free cash flow of $21.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $67.5M | +21% | 33.0% | $17.6M | $21.8M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $65.9M | +26% | 29.6% | $15.5M | $28.7M |
| Q1 2026 | 10-Q | May 8, 2026 | $59.8M | +18% | -12.4% | −$5.8M | $8.7M |
| Q4 2025 | 10-K | Mar 16, 2026 | $56.4M | +34% | 32.7% | $14.8M | $22.8M |
| Q3 2025 | 10-Q | Nov 12, 2025 | $55.7M | +36% | 24.6% | $10.9M | $25.9M |
| Q2 2025 | 10-Q | Aug 14, 2025 | $52.3M | +43% | 27.1% | $11.3M | $9.3M |
| Q1 2025 | 10-Q | May 15, 2025 | $50.5M | +41% | 9.3% | $3.9M | $17.9M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Kingstone Companies
As used in this Annual Report, references to the “Company,” “we,” “us,” or “our” refer to Kingstone Companies, Inc. (the “Holding Company”) and its subsidiaries. We offer property and casualty insurance products through our wholly-owned subsidiary, Kingstone Insurance Company (“KICO”). KICO is a New York domiciled carrier writing business through retail and wholesale agents and brokers. KICO is actively writing personal lines and commercial auto insurance in New York, and in 2024 was the 12th largest writer of homeowners insurance in New York. KICO is also licensed in the states of New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine. For the years ended December 31, 2025 and 2024, respectively, 98.0% and 96.0% of KICO’s direct written premiums came from the New York policies.
In its own words, from its 10-K, filed Mar 16, 2026.
Kingstone Companies against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +21% against the peers' median +3%. Operating margin: 33.0% against the peers' median 15.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| KINS Kingstone Companies | Q3 2026 | $67.5M | +21% | 33.0% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: Kingstone Companies 10-Q on SEC EDGAR · CIK 33992 · Fire, Marine & Casualty Insurance
13F: who owns KINS and who is buying
More on KINS
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results