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Kingstone Companies cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$21.0M in Q3 2026 · $78.8M over twelve months

Operating cash flow$21.8M
Capital spending−$879K
Free cash flow+$21.0M
Cash / net income1.2×

Analysis

In Q3 2026, Kingstone Companies generated $21.8M of operating cash flow and spent $879K on capital projects, leaving free cash flow of $21.0M. That is $4.3M less than in Q3 2025 ($25.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $82.1M; the largest uses were other investing ($79.8M), capital spending ($3.3M), dividends ($3.0M); besides operations, cash came from shares issued ($39K); the cash balance fell by $6.0M.

Operating cash flow was $21.8M against net income of $17.6M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: deferred revenue −$2.7M, payables +$1.4M, prepaid and other assets −$858K.

Free cash flow

Kingstone Companies: free cash flow by quarterKingstone Companies: free cash flow by quarter$22.4MQ4 2024$17.0MQ1 2025$8.7MQ2 2025$25.3MQ3 2025$22.1MQ4 2025$7.9MQ1 2026$27.8MQ2 2026$21.0MQ3 2026
Operating cash flow less capital spending.
Kingstone Companies: operating cash flow against capital spendingKingstone Companies: operating cash flow against capital spendingOperating cash flowCapital spending$23.0M$598KQ4 2024$17.9M$863KQ1 2025$9.3M$577KQ2 2025$25.9M$652KQ3 2025$22.8M$715KQ4 2025$8.7M$836KQ1 2026$28.7M$908KQ2 2026$21.8M$879KQ3 2026
Latest (Q3 2026): Operating cash flow $21.8M, Capital spending $879K.

Capital allocation, year by year

Kingstone Companies: where the cash came from (up) and went (down), by fiscal yearKingstone Companies: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $24.3MFY2021: Capital spending −$4.5MFY2021: Buybacks −$1.7MFY2021: Dividends −$1.7M$24.3MFY2021FY2022: Operating cash flow −$916KFY2022: Net borrowing −$191KFY2022: Shares issued $60KFY2022: Capital spending −$4.6MFY2022: Dividends −$1.3M$60KFY2022FY2023: Operating cash flow −$11.3MFY2023: Net borrowing −$1.1MFY2023: Capital spending −$1.8MFY2023FY2024: Operating cash flow $57.9MFY2024: Net borrowing −$1.2MFY2024: Shares issued $13.7MFY2024: Capital spending −$2.3M$71.6MFY2024FY2025: Operating cash flow $75.9MFY2025: Net borrowing −$1.2MFY2025: Shares issued $9.5MFY2025: Capital spending −$2.8MFY2025: Dividends −$1.4M$85.4MFY2025
Over these 5 years operating cash flow totalled $146M; the largest uses were capital spending ($16.0M) and operating cash flow ($12.2M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$20.8M
Debt$3.5M
Net cash$17.3M
Due within a year$1.4M

Kingstone Companies funds itself: free cash flow was $78.8M over the last twelve months, and $20.8M of cash and investments stands against $3.5M of debt ($1.4M due within a year, 15.3× covered by cash).

Where the cash came from and went

Kingstone Companies: sources (+) and uses (−) of cash, Q3 2026Kingstone Companies: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$21.8MOther investing−$15.8MCash drawn (+) / kept (−)−$3.9MCapital spending−$879KDividends−$869KNet borrowing (+) / repaid (−)−$327KOther financing−$107K
Kingstone Companies: sources (+) and uses (−) of cash, TTM to Q3 2026Kingstone Companies: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$82.1MOther investing−$79.8MCash drawn (+) / kept (−)$6.0MCapital spending−$3.3MDividends−$3.0MNet borrowing (+) / repaid (−)−$1.3MOther financing−$671KShares issued$39K

From profit to cash

Kingstone Companies: net income to operating cash flow, Q3 2026Kingstone Companies: net income to operating cash flow, Q3 2026Net income$17.6MDepreciation & amortization$806KStock-based pay$663KDeferred taxes$593KPayables$1.4MDeferred revenue−$2.7MPrepaid and other assets−$858KIncome taxes payable−$392KOperating cash flow$21.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$21.8M−$879K−$869K−$327K—−$3.9M$21.0M
Q2 2026$28.7M−$908K−$724K−$322K$1−$5.6M$27.8M
Q1 2026$8.7M−$836K−$722K−$317K$41K$823K$7.9M
Q4 2025$22.8M−$715K−$707K−$313K−$2K$14.6M$22.1M
Q3 2025$25.9M−$652K−$707K−$308K−$6K$6.9M$25.3M
Q2 2025$9.3M−$577K—−$304K−$60K$3.8M$8.7M
Q1 2025$17.9M−$863K—−$6.2M$9.6M−$8.8M$17.0M
Q4 2024$23.0M−$598K—−$295K$4.6M$5.1M$22.4M

Kingstone Companies: income statement and cash flow

Kingstone Companies, Q3 2026: revenue $67.5M (+21% year over year), operating margin 33.0%. The chart follows the revenue to costs, profit and cash.

Kingstone Companies: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.